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FREQUENTLY ASKED QUESTIONS

General questions

Complete our online loan application from the convenience of your own home. Our friendly and knowledgeable staff will review your application and contact you at the number you provided to complete your installment loan application. Your information may be submitted to Teletrack, CL Verify, Factortrust, Clarity or DataX. Once approved, the funds will arrive in your account the following business day. Your payment schedule will be customized to meet your pay schedule. Your payments will be debited from your account on your pay dates. Once you’ve signed your loan documents and Electronic Funds Transfer (EFT) agreement, there is no need to return to the website until you are ready for your next loan. We will even send helpful reminders when you have a payment coming due.

The maximum loan amount for an installment loan is $1200.00. Our friendly and knowledgeable staff will review your application and qualify you for an amount based on your current income. Sometimes you may not receive as large a loan as you would like; but our goal is to help you. As a responsible lender we understand what our customers can comfortably repay. We don’t want to loan you more money than you can afford.

Our interest rates are competitive and in accordance with state and federal laws. We strive to offer the best possible service at a competitive interest rate. The loans have a maximum APR of 790% but in many cases can be lower. Loan amounts average $200 to $1,200.

America’s Cash Advance does not use traditional credit bureaus. We use Clarity, DataX, Factor Trust and Teletrack. We also use Decision Logic to perform the Instant Bank Verification to verify your bank account and income. Traditional credit reporting agencies are not utilized for application processing. Even if you have bad credit, or have filed bankruptcy, we may be able to help you.

Our friendly and knowledgeable staff will review your application and contact you at the number you provided to complete your installment loan application. Once approved, you will be notified immediately, and we will get your payment schedule set up.

Once approved, you may qualify to receive your funds the same day (restrictions apply) or the next business day.

America’s Cash Advance is dedicated to professionally, fairly, and lawfully collecting past due accounts. If your payment is returned by your bank, we will contact you. It is YOUR responsibility to make sure that we have accurate contact information for you at all times. There is a returned check fee on all returned payments.  This fee varies by the state you reside in. Please understand that your bank may also charge an additional fee for returned checks. You are responsible for paying your account in full; including any late fees, returned check fees, or additional interest due. If it becomes necessary, we may take you to small claims court. If that happens, you will likely be responsible for court costs, attorney’s fees, and service fees in addition to the amount owed on your loan.

Once you have made a loan repayment, and as long as your account is in good standing, our friendly and knowledgeable staff will help you with your next loan as soon as your final payment has cleared.

ACH services enable us to electronically collect payments from our customers for either one-time or recurring payments by directly debiting our customer’s checking or saving accounts.

The states of Idaho, Missouri, Wisconsin, Texas, Utah

Account questions

You may log-in to your account at anytime to change your password or update your account information.

You may log-in to your account at anytime to change your password or update your account information by using the personal details tab.

When logging into your account, if you forgot your password, click on the “forgot password” and follow the simple instructions. If you require assistance, please don’t hesitate to contact us.

You may update your banking information by using the personal details tab or contacting our friendly and knowledgeable staff.

FAQS

Installment loans are loans with a fixed repayment schedule. Payments are divided into equal installments with payment dates personalized to match your pay schedule. These loans provide our customers with an easy and affordable way to meet obligations while enjoying a longer repayment period. America’s Cash Advance specializes in helping people in times of financial need by providing installment loans of up to $1200.00, with no collateral, for a minimum of 120 days up to a maximum of 1 year. The process is quick and convenient. Your installment loan can be electronically deposited into your checking or savings account as soon either on the same day of your approval (restrictions apply) or the next business day.

Your payment schedule will be customized to meet your pay schedule. Your payments will be debited from your account on your pay dates – whether that is weekly, bi-weekly, semi-monthly, or monthly. If you wish to pay your balance in full, you may contact our friendly and knowledgeable staff to arrange the extra payment at any time. You can pay off your loan at any time without a pre-payment penalty.

In most cases you will not have to fax or email any documents.