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The Best Cash Advance Services

Where Can You Find the Best Cash Advance Loans?

Cash advances provide a much-needed service to millions of people. There are many times when short-term debts outrun the ability to pay. In times like this, a cash advance (a loan against a future paycheck) can provide the cash necessary to meet those needs.

The advantages of cash advances are many. Often they don't require a credit check from the major three credit bureaus. The best cash advances offer amounts that can range from a few hundred dollars to $1,000. And you receive your loan very quickly; sometimes as soon as tomorrow.

Monday, June 21st

2021 Cash Advance Service Reviews

Cash Advance Review Top Consumer Reviews Best-In-Class Blue Ribbon Award 5 Star Rating

Cash Advance

5 Star Rating Top Consumer Reviews Best-In-Class Blue Ribbon Award

With over 400 lenders in their network, Cash Advance has the largest pool of lenders competing for your business that we've seen. Combined with an easy-to-use website and over 15 years in business. Cash Advance is a strong choice for your next cash advance.

Honest Loans Review 3.5 Star Rating

Honest Loans

3.5 Star Rating

Honest Loans is a loan referral service like many of the cash advance providers in our review. We like that their partners offer more money than some lenders, and that they're upfront with the fact that interest rates may be high. However, there are many states that aren't served by Honest Loans, and we were unable to find any customer reviews - positive or negative - to get an idea of the quality of the service provided.

Cash Central Review 2.5 Star Rating

Cash Central

2.5 Star Rating

Cash Central is a good upstanding lender, not just a cash advance broker. Their downfall is that they are only licensed in the western half of the U.S., and can only loan up to $500 cash.

Cash Net USA Review 2 Star Rating

Cash Net USA

2 Star Rating

Cash Net USA provides cash advances for customers in 30 States. We liked the quick approval and payment turnaround with this provider, but were concerned with their low BBB rating and issues in the state of California.

My Payday Loan Review 2 Star Rating

My Payday Loan

2 Star Rating

With a no-fax, no-credit check loan application process, My Payday Loan offers an easy way to get an advance on your next paycheck. While their website may not be as professional as others in our review, it does offer helpful information to those in need of a short-term loan.

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Drawbacks? Cash advances typically charge service fees that are greater than traditional loans. These service fees can range from $10 to $30 per $100 loaned, and sometimes even more. Many states have regulations stipulating the amount of service fees that can be charged. Obviously, the best cash advances are meant to address quick cash needs, and should not be used as a long-term solution.

Still, in order to meet short-term obligations, cash advances can provide a fast and easy solution. When evaluating different cash advances, there are certain factors you want to consider. Some of these include:

  • Loan Amount. How much money do you need? A variety of loan amounts are offered by different lenders.
  • Service Fees. Look for companies that state their fees up front or guarantee lowest fees.
  • Convenience. Can your application be processed entirely online, or will you need to fax in documents? How quick will the money be deposited to you?

TopConsumerReviews.com has reviewed and ranked the best cash advances available today. We hope these reviews help you meet your short-term financial needs!

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Cash Advance Service FAQ

A cash advance provides you with a loan where you are essentially borrowing from a future paycheck. If you just need a little bit of money to hold you over until your next deposit, a cash advance loan could help.
That depends on the lender you select and the laws in your state. Most cash advance services offer smaller loans to first-time customers and increase the amount available to repeat clients. You can expect to qualify for a loan amount between $100 and $1000, possibly up to $2500.
No, and that's part of the appeal of a cash advance loan. You have to provide proof of income, and that doesn't depend on your credit score.
You'll usually have a service fee that's a percentage of the loan amount, in addition to any interest you're charged. Be aware that interest rates on cash advance loans are extremely high: you may see APRs of over 2,000%! In other words, cash advance services should probably be considered as a last resort.
Most providers of cash advance loans can get your funds deposited as quickly as the next business day, once you've been approved. The quicker you fill out the application and provide any requested documentation, the sooner your funds will be transferred.
Because your loan is borrowing against your next paycheck, you'll typically have until that pay date to repay what you borrow. For example, if you're paid twice a month, you'll probably have a loan term of 15-17 days, or up to 31 days if you get paid once a month.
Frankly, yes. These are some of the highest-interest loans on the market, and you could get stiff penalty fees and other charges if you don't pay them back on time. Laws vary by state; you could have a grace period if you can't pay your loan off by the due date and you request an extension beforehand.
Yes. There are many lenders that have been in business for decades and that have a positive reputation for providing funds to clients in desperate situations without taking advantage of them. However, because of the higher-risk nature of cash advances, you should take the time to read all of the fine print and verify that the lender you're considering is trustworthy before you commit.

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