Instant Payday Loans, also known as instant Cash Advances, are loans offered on a short-term basis perfect for covering the cost of unforeseen expenses like medical emergencies or unexpected bills. Availability of loan varies by state. See below for more information on instant Payday Loans.
You can apply for an instant Payday Loan from the comfort of your own home. All you have to do is fill out our short application form online. You’ll be able to complete it in minutes, especially if you’ve gathered all the right documents beforehand. You can also apply at one of our convenient locations .
No collateral required
With an instant Payday Loan, you don’t have to put your car, house, or other valuable asset on the line. You can take one out without any collateral.
Get funds as quickly as that same day
If you apply online and get approved for an instant Payday Loan anytime between Monday through Friday before am EST, you’ll receive your money that same day by 5:00 pm. Don’t worry if you get approved after am because the funds will be in your account shortly after, on the morning of the next business day.
You don’t need good credit
You can get approved for an instant Payday Loan even if you don’t have great credit. We look beyond your credit score and consider other factors like your employment status and income.
Instant Payday Loan options?
You can get an instant Payday Loan by either applying in-store or online, where offered. If applying in-store, you’ll receive money on the spot. If applying online, expect to have your money deposited into your bank account as soon as the same day*.
- Apply In-StoreVisit your nearest Advance America center. One of our knowledgeable staff members will quickly guide you to select a loan that fits your needs. Filling out your loan application and the approval decision only takes a few minutes. You’ll then receive money on the spot.
- Apply OnlineThe online application requires a few simple steps to complete. Select a loan option, provide personal contact information and details, as well as employment and banking details, then just sign and submit.
*Online approvals before AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after AM ET are typically funded in the morning the next banking day.
The Advance America advantage
Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
Certain limitations apply. Subject to approval. See your local store for more details and additional disclosures. Checks or money orders may be issued instead of cash. Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Licensed by the Delaware State Bank Commissioner to engage in business in Delaware. Delaware Licensed Lender License #s: 6996; 4472; 9644; 4474; 8061; 6971; 7092; 8052; 6076; 7400; 4473; 7556; 010431 and 012075. Rhode Island Licensed Check Casher. In Ohio, loans offered by Advance America Cash Advance Centers of Ohio, Inc., Lic.# ST. 76, main office located at 135 N. Church St., Spartanburg, SC 29306. In Texas, loans arranged with an unaffiliated third-party lender by ACSO of Texas, LP. d/b/a Advance America, a registered credit services organization (“CSO”), and subject to lender’s approval.
*Advance America makes title loan referrals to LoanCenter at no cost to you and does not qualify you for a loan. Loans made by First Electronic Bank, member FDIC, or Wilshire Commercial Capital, LLC. Not available in all states. Loans subject to lender’s approval. In California, loans are made pursuant to a Department of Business Oversight California Finance Lenders License, with a minimum loan amount of $2,510.
Short-term loans are not intended to be long-term financial solutions. Customers with credit difficulties should seek credit counseling. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive.