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Cash Advance Loans
A small advance of $200 to $750 against your next paycheck, with the full cost shown in dollars before you commit and funding as soon as today.
A cash advance loan is the smallest and simplest product we offer: $200 to $750, repaid in one payment on your next payday. It works exactly like a payday loan but at lower amounts, which makes it a better fit for the kind of gap that is measured in tens of dollars rather than hundreds.
| Key loan information | Details |
|---|---|
| Loan amount | $200 – $750 |
| Term | Until your next payday, typically 14 – 30 days |
| Finance charge | $15 – $25 per $100 borrowed |
| Representative APR | 261% – 652% |
| Collateral | None |
| Credit check | Soft inquiry, no FICO® impact |
| Funding | Same day if accepted by 11 a.m. ET |
| Application | About 5 minutes, fully online |
Cash advance loan, cash advance app, or credit card cash advance?
The same phrase covers three different products, and the costs are not comparable at a glance.
| Option | Typical amount | Cost | Speed |
|---|---|---|---|
| Our cash advance loan | $200–$750 | $15–$25 per $100 | Same day |
| Cash advance app | $25–$750 | Subscription plus optional instant fee, or a tip | Minutes to 3 days |
| Credit card cash advance | Up to your cash limit | 3%–5% fee plus interest from day one | Immediate at an ATM |
If you only need a couple of hundred dollars and can wait a day or two, an app is usually cheaper. We compare them honestly in cash advance apps vs payday loans.
What people use it for
Groceries before payday, a prescription, a tank of gas to get through the week, a utility bill that would otherwise attract a late fee larger than the finance charge. Small, immediate, and clearly covered by the next paycheck. You do not have to tell us the reason.
How it works
Apply online, get a decision in minutes, and review an offer that lists the amount, the finance charge in dollars, the single due date and the total to be repaid. Nothing is owed until you e-sign. Funds arrive by ACH to your checking account, and the repayment is drafted automatically on the due date you agreed.
Eligibility
- 18 or older and resident in a state where we are licensed
- At least $1,000 a month in verifiable income after tax
- An active checking account in your name, open at least 30 days, with no recent returned payments
- Government-issued ID and a Social Security number or ITIN
If you need more than $750
Move up to a payday loan for up to $1,000 on the same single-payment structure, or an installment loan from $500 to $5,000 if you would rather spread the cost over months. Need it today? See same day loans.
Frequently asked questions
What is a cash advance loan?
A small single-payment loan, from $200 to $750, that you repay in full on your next payday. It is unsecured, funded to your checking account, and priced with a flat finance charge per $100 borrowed rather than a monthly interest rate.
Is a cash advance loan the same as a payday loan?
The structure is the same. The difference is size: cash advance loans cap at $750 while payday loans go to $1,000. Both are repaid in one payment on your next payday.
Are cash advance apps cheaper?
Often, for small amounts, yes. Most apps charge a monthly subscription plus an optional instant-transfer fee rather than a finance charge per $100. They also advance less and can take up to three days without the express fee.
Can I have two cash advances at once?
No. We issue one short-term loan at a time and do not renew them, because stacking advances is the quickest way into a borrowing cycle that is hard to break.
Borrow $200 to $5,000 for any purpose
Apply in about five minutes and get a decision in minutes. Checking your rate won't affect your FICO® score.