What is a Cash Advance?

A cash advance is a short-term loan that usually lasts no longer than two weeks. Often referred to as the same thing as a payday loan,  amounts for this type of short term loan typically range from $100-$1000. Typical fast cash advance loans require you to fill out a quick simple form for qualification. If the lender approves it, you can receive the money in your bank account or via a check as soon as the next business day. There is no such thing as instant cash loans no matter whether you have good or poor credit history, but remember you will still have to meet the eligibility criteria set by the lender and the laws of your state. Start with our secure form here or start by filling in the form to the right of our company site.

How does taking out a cash loan work?

Applying for a cash loan online requires you to fill out our simple and secure form at OnlineCash4Payday.Com. This process should take no more than a few minutes if you have all the required information close at hand. Most providers inform you of the application’s status shortly after. Our leading network of 100+ nationwide lending institutions typically approve applications with-in minutes after submission. Once approved, you will be informed of approval amounts and all rates and fee’s associated with your submission. Please review all terms and conditions before finalizing your loan.

If you’re looking for a fast cash advance, know that you have limited options. Not all lenders accept online applications and allow you to collect approved funds in-store. Typically, cash loans give you access to money the following business day when the money is transferred into your bank account. This principle also applies to online cash loans as well. Other websites claim phrases of same day lending and money deposited instantly are typically not the case in the real world. Our partner platform provides some of the fastest funding times in the industry and still takes a day or two to process and accurately fund applications. Beware of online sites and companies that promise to provide an instant cash advance as there is not a financial product available that provides borrowing services instantly.

Why would I take out a quick cash advance?

The reason for taking out an instant short term advance varies from customer to customer. Unexpected utility bill spike, life incidentals, vehicle repair issue, etc. We cannot predict the future or when financial windfalls may happen. However, when they do, its nice to have an online option when other alternatives dry up.

What perks are offered when I get a fast cash advance online?

Make sure to do your due diligence and go through online reviews to find a fast cash advance that works for you, then compare your results with these features to choose your best option:

A simple online process. A good cash advance provider provides a user-friendly application that should take only about 5 to 10 minutes. Many lenders also accept digital signatures on their loan contracts, further simplifying the process. Once approved, your funds will be available as soon as the next business day.

Your choice of various store locations. Store fronts are still very popular. If you’re looking for a cash loan, find lenders who allow in-store pickups. This type of transaction recorded face to face can speed up the timeline. Certain cash advance lenders have extensive store networks across the US, meaning you can apply online and receive your funds in cash. Our online platform here at OnlineCash4Payday.com performs strictly online and although is much easier to use, our network turn around time is usually 24-48hours.

State-specified fees. States are very independent when it comes to cash advance lending and the rules they allow. State laws and the amount you borrow affect the fees you end up paying, and lenders can also charge loan fees differently. Our nationwide partner network practices industry best practices and adheres to state and federal laws and statutes.

Lenders who accept good and bad credit. While receiving a conventional loan with bad credit isn’t easy, most cash advance lenders have relaxed criteria when compared to traditional loans given by banks and credit unions. Good credit is always welcome. However, if you have had a few hiccups in the past, our streamlined nationwide lenders provide favorable terms and conditions on small dollar loans. Fast cash advances are now at your fingertips when in financial need.

Benefits and drawbacks of getting a cash advance online

What are the benefits?

Apply from anywhere. You can apply for a cash advance online from just about anywhere if you have an Internet connection.

Quick access to money. Depending on the lender you apply with and the time you apply, you could see your approved cash loan amount in your account fast, as soon as the next business day.

Use the funds for any purpose. Providers of cash advances give you the freedom to do what you want with the approved funds as long as it’s legitimate.

What are the drawbacks?

High fees. Fees charged by cash advance providers are high, especially when compared to standard cash loans. It’s best to only use these for short-term financial solutions or when there are no other options available. Typical rates range between $15-$30/per $100 borrowed. These rates would not be sustainable for larger amounts with longer terms, however, when in a financial pinch, the emergency cash can come in handy.

Disreputable lenders. Because you happen to be on our SSL secured site, you have nothing to worry about. We cannot say the same for unscrupulous lenders out there. While many loan providers follow the laws, there are some online cash advance lenders who are predatory. Before you take out what they claim are instant cash loans, be sure to confirm that the lender you’re dealing with is practicing legally in your state. With us, rest assured our 100+ nationwide partner lenders practice industry best rules and regulations.

Am I Eligible for OnlineCash4Payday.Com’s lender network?

If our network offer’s cash loans in your state, you must meet the following minimum requirements:

  • You must have an active email address
  • You must have an active checking account
  • You must have a driver’s license
  • You must have been employed for at least one month
  • You must be a US citizen or permanent resident
  • You must be at least 18 years old

Why is a cash advance from OnlineCash4Payday.Com a good option for those in need of a short-term cash solution?


Online lenders alliance does great work helping to maintain a competitive and user friendly online lending environment for lenders as well as consumers. Unscrupulous lenders and online fraud is not tolerated and the OLA and the CFPB together are making the online lending world more favorable everyday.

Our partner network cash advances are quick – Upon approval funds are typically available as soon as the next business day.

Our partner network cash advances are reliable – We’ve been serving cash-strapped customers for over a decade online.

Our partner network cash loans are convenient –Upon approval funds are deposited directly into your bank account. This streamlines the approval process. You do not need to leave your house or office.

Our partner network cash loans are safe – Our partner network adhere’s to state and federal payday loan/cash advance regulations as well as Community Financial Services Association of America (CFSA) best practices for responsible lending.

Our partner network cash advances are accessible — The qualifications are simple and the application for cash advances can be completed in minutes.

Our partner network cash loans are straightforward. All fee and terms are up front for you to read before finalizing.

Our partner network cash advances are transparent – There are no hidden fees or rates with our cash advance loans.

By using a cash advance online instead of racking up credit card debt or overdrawing your bank account, you can avoid costly fees and penalties.