Cash Advance
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Options for Cash Advance

What’s your best bet when you don’t have enough funds in your checking account before your next paycheck? Most Americans turn to short-term borrowing. They are usually looking for small-loans that put a couple of hundred dollars in their pocket. This amount is then used for car repairs, overdue rent, due bills, medical expenses, groceries, etc. Learn how you can obtain online cash advances within the next 30 minutes.

Applying does NOT affect

your FICO® credit score!

What are cash advances?

An advance is a cash you receive before getting your actual salary. You’re expected to pay for the advance from your paycheck. Cash advances are usually short-term and small-dollar loan products. When can I get my cash advance?

Anytime, and there are lots of places you can obtain cash advance loans online. Most people are aware of two main choices:

  • Payday loans
  • Credit card advances

Other sources for these forms of credit include peer-to-peer lending platforms, apps, and credit union alternative payday loans depending on your credit history.

Now, let’s explore the two main options:

Credit card advances

The card company will allow you to borrow a percentage of your remaining credit or up to your limit. You get cash from an ATM or over the bank counter.

This online cash advance option is expensive. You’ll pay online cash advance fees (a flat rate of $5 or $10), ATM fees, etc. The interest rate will be higher than if you used your card for normal purchases plus it starts accruing immediately.

Payday loans

Traditionally, they have been offered at cash stores. Customers would walk in and walk out with cash. However, applying from in-store locations does have its challenges.

For one, it’s not private –anyone can see you. Secondly, we are living in a world where it’s hard to find spare time. Though payday loan stores approve loans in under one hour, you still have to drive to the store, submit documents to the lender, wait in line, find somewhere to park, etc.

Can you get a cash advance online?

Yes, the internet is the new frontier of lending. Borrowers favor applying for their loans online because it’s simple, secure, time-saving, and confidential. What’s more, you get access to more loan companies, making chances of loan approval easier. Out-of-state lenders will need licenses to offer loans in your jurisdiction.

How does cash advance work?

A cash advance loan allows you to get a loan against credit cards for a short period. Unlike a bank account withdrawal, you need to pay back these loans just like anything else on your card. It is a way to buying “cash “from your card instead of a good or service.

Can you get two cash advances?

Yes and No. If you have already paid the previously taken payday loan, then the lender will check that and will approve you based on your previous repayment history. If you have failed to repay the already taken advance loan, then it will be tough to get a second or next online cash advance before clearing the due one.

Applying does NOT affect

your FICO® credit score!

How do I apply for cash advance loans?

There are various ways to apply for cash advance loans. First, you can go to your nearest cash advance lender and ask them for payday advance locally. Second, you can search for the nearest lender online or a company that serves in your state or area. Third, you can take help from a loan matching service like and get matched with the best lender as per your financial profile and get funds the next business day. It is hard to search for online cash advance one by one; it takes time, and you never know if any one of them will approve your application.

How can I get a cash advance?

It’s straightforward to obtain your online cash advance. Just follow these steps:

  • Step 1: Submit your application

You can apply through Realistic Loans. We don’t offer loans directly. Our service matches you to online loan companies, primarily based on the loan amount you need and zip code (to find companies licensed in your state).

  • Step 2: Complete the rest of the loan steps

After submitting the loan application, lenders in our network will receive and process it. Only lenders that find you suitable will send loan offers.

The loan offer tells you about the particulars of the loan you’re going to obtain. It also comes with further instructions on how to proceed. You’re not obligated to accept any loan offer. If you choose to abandon your application at this stage, there will be no consequences.

How much can I borrow with an online cash advance?

You’ll have the chance to borrow up to $1000. Now, if payday loans are not offered in your state, lenders in our network will provide installment loans with loan amounts starting from $500. Most online loan companies also offer lines of credit. The lowest you can borrow is $100 if you receive an approval.

Most Frequently Asked Questions on Cash Advances

Is my score going to get affected? How much does it cost? Is my information secure? Is a payday loan the same thing as a cash advance? When are cash advances due?
Not likely. Most short-term lenders don’t report to the 3 main credit bureaus. On average, borrowing $100 costs $15 with payday loans. Nation21Loans protects your data through standard encryption as it’s sent to lenders in our network. Yes, the two terms both describe short-term and small-dollar loans. On your next payday.

Will Cash Advance Online Hurt Credit Score?

Taking a cash advance might affect your score indirectly, not directly. Cash advances come with high-interest rates. If this affects the ability to repay the advance online monthly, then it might have an impact on your credit rating negatively. So, make sure you always pay back these loans on time.

Does a cash advance lender check credit score?

No, cash advance loans company will not perform a credit check. It will not even show up on your credit report. It just adds up to your total credit card balance since these are against your credit cards.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?