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Need cash? Get what you need.

What You Should Know before You Apply

Rates & Terms

With cash advances, interest rates are usually expressed as finance charges. The finance charge is a specific fee the borrower pays for the amount borrowed. For example, a provider might assess a $15 finance charge per every $100 borrowed. This would amount to an interest rate of 15%. To comply with federal law, all lenders must report the APR (annual percentage rate) of the loan in the documents that accompany it. The APR should be listed in bold on your loan agreement. The APR is more inclusive than a traditional interest rate in that it reflects all fees and charges associated with the cash advance. In some cases, the APRs can be as high as 600%-700% (varies by company).

Your provider should make it clear when you apply that the terms of these loans are extremely brief. Typically, borrowers have just a few weeks to repay the loan in full (varies accordingly). Cash advances are intended to address short-term financial needs, which is why they must be paid back fairly quickly. Many providers will require payment of the loan when you are paid next (varies accordingly). Some companies may be willing to extend your term if you pay extra fees, but not all offer this option.


Every provider will have different qualifications borrowers must meet. If you fail to meet these standards, you will not qualify for relief. Here are the most common qualification requirements of lenders (varies accordingly):

Distribution of Funds

Once you apply for and receive approval from your provider, the next step is the receipt of the funds. Usually, the funds are distributed via electronic transfer. In other words, your lending company will wire the money to your checking or savings account. The electronic transfer is instantaneous and typically performed quickly after your application is approved (varies). After the transfer of funds is complete, you will have immediate access to the proceeds of your loan. You can spend the money however you wish.

Repayment Strategies

The amount of the loan and any applicable finance charges are due in full on the due date specified in your loan agreement. Most companies handle the repayment transaction electronically, meaning the funds will be deducted from your bank account automatically on the due date (varies). Your loan agreement will tell you how the provider will handle repayment and when the withdrawal will take place. If you do not have sufficient funds in your account for repayment, you will need to let your lender know ahead of time. Some companies may be willing to give you additional repayment time, but you will need to fork over additional finance charges for this convenience.