Welcome to Instant Cash Advance Corporation of Michigan "We can help you with that!"

We are Michigan’s premier provider of cash advances and payday loans. If you’re in need of some fast cash, we’re here to help, with great service at our Instant Cash Advance locations. With cash advances of up to $600.00, our payday loans provide short-term financial assistance without a long-term obligation.

ABOUT PAYDAY ADVANCES

Payday Loans

At Instant Cash Advance, we strive to make your payday loan as quick and easy as possible.

Applying for a cash advance is simple, just stop into any of our 11 Michigan locations.

The application process takes about 15 minutes for a first-time customer.

Pay Day Loan Requirements
What You’ll Need to Apply for a Payday Loan:

-Government Issued ID
-Proof of Income
-Active Checking Account (open at least 60 days)
-Bank Statement (showing 60 days of activity)
-Social Security Number
-Personal Check

How Much Money Can I Qualify For?
The amount of your cash advance is based on your net monthly income. At Instant Cash Advance, we can provide payday loans up to $600.00.

Getting Your Cash Advance
Upon qualification, you will write us a check for the advance amount, plus fees, and we will hold that check until your determined due date.

Repaying Your Cash Advance
You are obligated to come in on or before your due date to repay your cash advance. All payday loans must be repaid with either cash or money order. Upon payment, we will return your original check to you. You could also request that your check be deposited and presented for payment to your bank.

WE BUY GOLD!

In need of some quick cash?
Bring in any of your unwanted or broken gold jewelry and walk out with cash on the spot.

How Gold Buying Works
Selling your gold at Instant Cash Advance is easy. Bring in any broken or unwanted jewelry and we will pay you cash on the spot for it. With our cash for gold services, walk out the door with money in your hand!

Simply bring in your jewelry to any of our gold buying locations where our trained gold buying professionals will examine your jewelry, measure its weight, and assess its quality right on the spot.

After our initial examination, we will offer you fair market value for your gold or other precious metals. You choose to accept or not.

It’s that easy!

Best Gold Buying Rates in the State
Our gold buying services offer the best rates in the State of Michigan. We invite you to call or stop into any of our gold buying locations statewide for the most current rates.

Gold Buying Rates
The price of gold is at all time record highs. The time to sell your unwanted or broken jewelry is now!

At Instant Cash Advance, we offer the top price for gold in the State of Michigan and accept all precious metals including silver and platinum.

We invite you to stop into our gold buying locations or give us a call for the latest gold buying rates.

11 CONVENIENT LOCATIONS

APPLICATION
Print and fill your application below, prior to visiting a branch near you.
For your security, please do not email your completed forms.

PRINT APPLICATION

VIEW FEE CHART HERE

FREQUENTLY ASKED QUESTIONS

How much of a cash advance can I get?
What types of fees are applicable and how much are they?
Can I still get a cash advance if I have bad credit?
Are there any application or processing fees?
How is my re-payment due date calculated?
Can I pay my loan back early?
After my existing cash advance is paid, how soon after can I apply for another payday loan?

How do I repay my cash advance?
What types of fees are applicable and how much are they?
Is my payday loan secure and confidential?
Can I still get a cash advance if I have bad credit?
Are there any application or processing fees?
Why choose a payday loan over other alternatives?

Payday loans are quick, easy, and confidential. Other loan processes require hidden fees, are lengthy processes, and often require much deeper background information. Our fees are also much more affordable than overdraft fees that are incurred from a banking account.
There are rumors that Payday Loans are a scam and only take your money. Is this true?
Am I able to renew my loan?

In order to renew a loan, their past loan must be paid off and must have remained up to date on past payments. The customer must update their contact information to the most current information and bring in your most current bank statement and check stubs. Amount of the new advance will vary on if your financial situation has changed. A loan fee is applied to the advance amount (amount varies depending on size of the loan taken out – see our loan fee page), along with a state fee.
Do I have repayment options or what are the implications if I cannot repay the loan back right away?

If the customer is eligible for a re-payment plan (RPP) and wishes to exercise their right, it can only be entered into an RPP at the branch location in which the advance was originally taken out. After entering the appropriate information into the Repayment Plan Contract, the employee will verify the customer’s next 3 pay dates, the total due will include the RPP fee and be divided into 3 equal payments. Customer must pay each installment in cash, cashier’s check or money order. Payments may be made on or prior to an installment due date and must be applied toward the most current installment due. Defaulting on the repayment plan includes missing a scheduled due date and/or paying less than the determined amount. We send the check to the bank for the entire face value.
Are there implications if I just can't repay the loan?

We will make numerous attempts to contact you with the information that you provided. Failure to contact us immediately to satisfy this debt will leave us no choice but to pursue other avenues in the collection of your contractual obligation. This could include civil litigation or sale of the debt to a third-party collection agency. Other than if the customer entered the RPP (as listed above) no additional fees other than the RPP fee or NSF fee (if necessary) is applied to the loan.
How soon can I receive my cash advance?

CONSUMER INFORMATION
Web Loans No Longer Available
Dear Webloans Customers:
After many years of offering this service, we have decided to take down Webloans. We have decided to refocus our energy on the growth of our Branch Locations, community service and customer service.
If you have an existing contract, this will not cancel any agreements and your balances will be due as scheduled. You will not, however, be able to re-advance online.
We apologize for any inconvenience this may have caused, and we are very grateful to your patronage. We wish to extend an invitation to you to come into one of our Branch Locations. Just as with our Webloans, our Branch Locations provide, convenient and confidential access to the cash you need, when you need it. We are open 5 days a week and provide cash in hand, on the day of your visit. No waiting for deposits to post and you can pay back with cash, so you can re-advance as soon as you need to. You can even use coupons in our stores, something unavailable to our Webloans program due to State Laws. Along with these benefits, you can take advantage of our exceptional, personal and friendly customer service.
We look forward to meeting you.
Sincerely,
Instant Cash Advance Corp.

Fake Collection Calls
It has come to our attention that people around the U.S. are receiving calls from “collectors” purporting to be employees of Instant Cash Advance Corporation. These calls are happening across the country, from Alaska to New York.
We would like to notify you that if you received one of these calls, it was most likely a scam. We apologize for the confusion, and we are actively investigating the occurrences.
In the meantime, if you receive one of these calls and any of the following is true, please gather as much information as possible and send it to – scamalert@instantcashmi.com
If you have never resided in the state of Michigan, the call is a scam. We only do business with Michigan residents.
If the call originates from any state other than Michigan, it’s not from INSTANT CASH ADVANCE Corporation and is a scam. We only have offices in the State of Michigan.
Caller threatens any kind of criminal prosecution – for example “The police will be notified and will be knocking on your door.”
Other folks have called the scammers bluff and tell them to go ahead and collect.
Frequently Asked Questions
How did they have my personal information? – Most likely you requested a payday or personal loan from a fictitious company online at some point – unfortunately, you probably gave it to them.
Why do they use the INSTANT CASH ADVANCE CORP Name? We have a web presence – they most likely found our web site and see people can find us on Google – so it makes the scammer look legitimate.
Do you prosecute people criminally for delinquent cash advances? No, Instant Cash Advance Corp. only makes loans in the State of Michigan. As a means of last resort, we would only use Michigan civil courts, never criminal.

Large Value Loans
Note that Instant Cash Advance Corp located in Michigan ONLY lends in Michigan, maximum loan amounts are $600 and we do not solicit customers via robo calls with “preapproved” as a part of that call.
People around the U.S. are receiving automated calls from a company CLAIMING to be “Instant Cash Advance” or other legitimate lenders – but in reality, they are a criminal organization taking advantage of folks. We are sharing this information with U.S. Governmental agencies in an attempt to stop these abuses. Please send your stories to scamalert@instantcashmi.com and we will share them with the Consumer Financial Protection Bureau and other agencies responsible for stopping these activities.
How this scam is working is the representatives will encourage the consumer to purchase a Green Dot card or other prepaid visa and load it with a few hundred dollars. They capture the information for this card, with the proposed intent of loading the loan of up to thousands of dollars. But in reality, they strip the card of any monies loaded on it.
Frequently Asked Questions
Would I EVER have to pay money to be able to borrow? – We are not aware of any legitimate short term lending firms that require a “payment” prior to lending.
What is the most money Cash Advance companies will lend? – This varies state by state. In the case of www.instantcashadvancecorp.com, we are capped at $600 per license, though in some cases folks can get up to $1,200 by getting two loans from different licensees.
Where does Instant Cash Advance Corp. provide loans? www.Instantcashadvancecorp.com ONLY lends money to Michigan residents.

WELCOME

Welcome to Instant Cash Advance Corporation of Michigan "We can help you with that!"

ALPENA

CARO

CLARE

EAST TAWAS

GLADWIN

HOLLAND

OSCODA

SAGINAW

WEST BRANCH

WESTLAND

WYOMING WEST

APPLICATION Print and fill your application below, prior to visiting a branch near you. For your security, please do not email your completed forms.

FREQUENTLY ASKED QUESTIONS

Fake Collection Calls

Large Value Loans