Rates & Fees

Getting a cash advance with USACashAdvance.com is simple. Although USACashAdvance.com does not directly serve as a lender or provide lending services, it helps you connect with an expansive network of potential lenders. After you submit a request, USACashAdvance.com will attempt to connect you to a reliable lender with a loan that can work for you. If you are connected to a lender, the lender will disclose all the details of the rates, fees, and overall cost of your loan.

USACashAdvance.com does not decide the fees and interest rates concerning the cash advance loan. The lender will review your submitted request and set suitable loan fees and interest rates based on that information.

While the the lender sets the final interest rates and fees, it is important to know that maximums, minimums, and other aspects of payday loans may be dictated by state or federal regulations. State regulations can vary greatly depending on where you reside. Our lender network includes state and Tribal lenders. Tribal lenders’ rates and fees may be higher than state-licensed lenders, and are subject to federal and tribal laws, not state laws.

After your request’s approval, your cash advance loan lender will send you information concerning fees and rate. Your lender will also provide you with an e-signature page after the search and approval process is complete. Thoroughly review the e-signature document to gain a complete understanding of the lender’s fees and interest rate information. After you have reviewed the provided information, you can agree to the terms of the lender provided by USACashAdvance.com. In addition to traditional loans, some lenders in our network may offer line of credit.

You won’t be kept in the dark when it comes to the cost of cash advance loans. Thanks to the Truth in Lending Act, lenders are required to divulge all loan fees and interest rates that may occur during the process, giving you a chance to fully evaluate the service. If you are unsatisfied with the given fees, interest rates or other aspects of the cash advance loan, you can opt to discontinue the process.

Loans offered by banks often come with strict terms and specific requirements that may seem like a hassle. In addition, these bank loans may take some time to process, leaving you waiting for the needed funds. In fact, when dealing with a bank, you may have to wait days or even weeks for your request to gain approval and funds to be transferred. USACashAdvance.com won’t leave you staring at the clock or marking days off the calendar. Your cash can be transferred as quickly as the next business day, if approved.

It is important to note that the rates set by the lenders may be higher than the rates of a typical bank. The reason for this is nothing sinister. Banks demand collateral and good credit to minimize their risk when lending. In the absence of collateral, as is the case with payday loans, lenders charge higher fees to help them stay in business.

Our network of lenders works with bad credit. So less than perfect doesn’t have to stand in your way of requesting a loan.

The easiest way to find out if you qualify, and to learn exactly how much you would pay for your loan, is to simply start the request process. You will be under no obligation to complete the process until you actually sign a contract, so you can decide whether to continue or not without any pressure.