Cash Advance

$100 to $5,000 paid out by 05:03am

  • Same day payouts!
  • 100% US Based
  • 100% Online Service
  • Borrow up to $5,000

Choose your desired loan amount and enter your details below.

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms & Conditions of Use. I understand that by submitting my information, I may be contacted by telephone by one lender.

The Best Options for a Quick Cash Advance

Seeking a cash advance doesn’t seem like it’s too much to ask for when you have a good-paying job or another source of income that you can prove. Sometimes, even the most financially responsible individuals need some relief between paychecks, and there are many lending services available that are designed to help with that.

How much would you like to borrow?

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms & Conditions of Use. I understand that by submitting my information, I may be contacted by telephone by one lender.

Even if you have relatively poor credit, many times all you’ll need to gain approval for a cash advance is solid proof of income. There are a number of ways to find quick cash advances both locally and online, but not all of them will be worth your time, particularly if you don’t have the best credit.

Since some applications for fast lending can cause hard inquiries to show up on your credit report, it’s important to be strategic about which kind of loans you apply for and how many lenders you attempt to borrow money from. To help you avoid additional hardships and point you in the right direction of finding the fastest and most lenient cash advances available to you, we’ve put together the following comprehensive guide on finding and applying for a quick cash advance:

Payday Loans are the Most Lenient Kind of Cash Advances

The definition of a cash advance is a quick loan that spots you an amount of money comparable to what you’ll be able to pay back from your next upcoming paycheck or another source of income. Thus, one could argue that payday loans are the closest thing to a true cash advance. When it comes to the speed of being approved and how quickly you can have the money available in your checking account, very few borrowing options can compete with payday loans.

Many payday lenders will provide same-day approval and often within minutes. From there, you’ll see the funds in your bank account within 1-3 business days. Furthermore, many of these lenders can also give you a prepaid debit card that can be loaded as soon as your application is approved, so this is definitely an option worth considering if you have a few payday loan places in your area.

While having good credit will always improve your chances of being approved for a quick cash advance, having a good job and steady proof of income is really all that is required nowadays. Just by meeting those prerequisites, you’ll qualify for loan amounts ranging from $100 to $5,000. Of course, you’ll also need to be over the age of 18 and have a valid checking account, preferably with direct deposit enabled.

The best part is that payday lenders do not report to the credit agencies and most of them do not run hard inquiries on your credit either. While you may need to deal with high interest rates, it only makes sense to list payday loans as the most applicable option for an individual that are searching for a quick cash advance because they provide the highest odds of approval.

Invoice Factoring

If you run a company and can show that you are owed money by clients on outstanding invoices, you may be able to get a cash advance on those funds by applying for an invoice factoring loan. In this process, the lender will examine your company’s payment and invoicing history to determine whether you represent a high risk before granting approval. If you’ve been receiving large payments from the same clients for many months, invoice factoring might be the most ideal way to get your hands on the money you need in the short-term. However, keep in mind that this could also start a negative cycle for your business, as you could wind up sacrificing a significant amount of your upcoming profits in order to stay current on your loan repayments.

For that reason, it’s usually best to see if there are any personal options like fast loans for bad credit before you put your company’s reputation and financial future at stake. Likewise, if you do opt for invoice factoring services, try not to commit to excessive repayments that will consume your profits and potentially cause your business to become insolvent. Any decision that could lead to the downfall of your business is not something that you want to put on the table unless it’s absolutely necessary.

Borrowing from Your Employer

If you’ve been working for your employer for a while and have established some trust with them, they might be open to the idea of advancing you some funds towards your next paycheck. This is an unofficial yet somewhat common practice that is often met with approval. As long as you haven’t made a habit out of doing this in the past, there’s a good chance your employer might consider it if you have a good relationship with them.

This is one of those options that isn’t evergreen though – you can only do it a few times before the next request is turned down, as many employers don’t like to get into the habit of paying their employees for work that hasn’t been done yet. Similar to invoice factoring, it’s important to exercise caution when taking out cash advances from your boss, as it could put you in a bad position on your next payday and then you’ll be right back in the same position.

If you do decide to ask your employer for an advance, it might help your case to present a written statement that guarantees you’ll pay them back – that way they’ll feel comfortable knowing that they have the legal grounds to deduct the amount you owe them from your next invoice or paycheck.

Family and Friends

When it comes to getting cash in your hand quickly, simply asking your family or friends can often be the best route to take. This is by no means a first resort, which is why it’s mentioned further down this list, but it’s definitely a method worth mentioning if for no other reason than to remind you of the fact that you do still have this option available.

While the idea of humbling yourself enough to ask someone close to you for money might seem embarrassing, the people closest to you probably would be the most lenient when it comes to demanding timely repayments, so that’s one benefit of swallowing your pride. However, this is understandably a course of action that many adults are not willing to take. In that case, consider having one of your family members or friends co-sign for you on a loan application. That way, you won’t be borrowing money online from them directly, but they’ll still be helping you out of the current situation.

Using Your Belongings as Collateral

As you can see, your options for quick and guaranteed cash advances regardless of credit score become a bit more desperate as you go further down the list. At this point, if you won’t be approved for a payday loan or invoice factoring deal, your employer won’t let you borrow money, and you don’t have any family and friends who can come through for you, it might just be time to hit the pawnshop or your local vehicle title pawn place.

This is never a first recommendation, but because such places typically pay immediately in cash, it would be remiss to not mention this method for obtaining quick cash advances. Of course, you should expect to pay high-interest rates and make your payments on time, otherwise, you risk losing the property that you put up as collateral. Also, you should expect to receive a loan amount that’s only a fraction of what your pawned belongings are actually worth. This is done as a protective mechanism for the lender because they know that you won’t want to miss your payments and lose the pawned item(s).

Why Use Us?
How much do you offer?
$100 - $5,000
No charges
Approval Chance?
High approvals!
Is poor / bad credit accepted?
All can apply
How do I get a loan?
Apply Online
2 min Application
Do I pay it all back at once?
Easy repayments

Raising Business Funding

Finally, if none of the recommendations above were fruitful then you must really be in a pinch. If that’s the case, you might need to put your creativity to work in order to get out of this bind. You’d be surprised how many entrepreneurs have bootstrapped their way to success simply by convincing investors that their business idea was worthwhile. Some people have said that ideas themselves aren’t worth anything, and while that’s mostly true, if you can pitch the right idea to the right person, you could wind up seeing that cash advance you’ve been looking for and then some.

Although this method represents some extra effort beyond the usual process of just applying for a loan or asking for help, it could also wind up being the most rewarding if you are able to get that advance. This is a technique that is especially worth considering if you already have a small business that’s operating in a disruptive niche or has been seeing recent growth. Some of the most successful entrepreneurs have gone from zero to hero by leveraging the investments of others, so keeping this option on the table is always a good idea.