General Cash Advance FAQ

What is a cash advance?
A payday advance is a short term financial assist without the long term obligation. It's a quick, easy and confidential way to get some cash.

How do I qualify for a cash advance?
You would only need a couple of things: Open and active checking account for at least two months. Full time employment or government income for at least six months. To view a full list of qualifications, please visit our cash advance rates and terms section.

How much of a cash advance can I get?
You will be able to apply for a cash advance from as little as $25.00 to anywhere up to $600.00. The amount that you will be approved for will be determined by the information you provide Instant Cash Advance.

What types of fees are applicable and how much are they?
Our fee for a cash advance is based on a $100 rolling structure fee chart. For a complete fee breakdown, please refer to our cash advance fee schedule.

Can I still get a cash advance if I have bad credit?
YES!! We do not require that you have good credit, for that matter, any credit at all.

Is my payday loan secure and confidential?
Yes, Instant Cash Advance has the highest standards. We do not disclose your information other than what is required to obtain approval.

Why choose a payday loan over other alternatives?
Because it is quick, easy and confidential, and is ALOT cheaper than NSF fees and other bank charges.

There are rumors that Payday Loans are a scam and only take your money.  Is this true?
No, paydays loans are an excellent alternative to conventional loans in many instances.  ICA will always act in your best financial interest, guaranteed.

If Applying at a Physical Location

How soon can I receive my cash advance?
If you are applying at one of our physical locations, the process will take about 15-20 minutes. You will then walk out with some money the same day!

How do I repay my cash advance?
It’s simple; you have the choice to pay with cash or a money order.

How is my re-payment due date calculated?
All cash advances are due on your next payday, unless your next payday is 7 days away. In this case, your check will be held until your second payday.

Can I pay my loan back early?
Yes, you can pay back early. You will be entitled to a refund of the fees, depending on the date of payment. (If paid within 1 business day)

After my existing cash advance is paid, how soon after can I apply for another payday loan?
You can apply for a cash advance the same day.

Are there any application or processing fees?
There is no application or processing fees. Our $100 rolling scale fee is the only charge you will have and first loans will get up to $29 off.

If Applying Online

How soon can I receive my cash advance if I apply online?
If you are applying online and your application is approved and signed before 6:00pm, the money will be automatically deposited into your account at midnight and available for you first thing in the morning!

How do I repay my cash advance?
It’s simple; Instant Cash Advance will automatically deduct your cash advance from your account on your pay date!

How is my re-payment due date calculated?
All cash advances are due on your next payday, unless your next payday is 7 days away. In this case, your due date will be your second payday.

Can I pay my loan back early?
Unfortunately no.  An electronic ACH is set to transfer on your payday and Federal Law does not allow for an early ACH.

After my existing cash advance is paid, how soon after can I apply for another payday loan?
As soon as the ACH clears your account, you can apply for another payday loan.

Are there any application or processing fees for applying online?
There is no application or processing fees. Our $100 rolling scale fee is the only charge you will have.