Our goal at Instant Cash Advance Loans is to help you find a short-term solution during times of financial stress. Our application process is simple, quick, and 100% secure.

1. First, complete our no-obligation loan application and leave the rest to us. Based on the information in your application and requested loan amount, we will match you with an appropriate lender. Once approved, you will then be presented with a pre-qualified loan offer. In most cases, faxing over documents is not necessary so you can conveniently complete the loan application online. If we are unable to verify any part of your application, we may ask you to fax information to your payday loan lender.

2. Once you've been approved and matched with a lender, carefully review your loan amount, the terms of the loan agreement and rates. If you are satisfied with the terms presented to you, you may accept by providing an e-signature on the agreement. There is no obligation to accept the loan offer, and you may quit the process at any time.

3. Upon approval of your application and agreement, your cash is deposited into your bank account by the participating lender. Depending on when your application was submitted, the deposit will either occur the same day or be made the following business day.

Disclosure Policy

The loans provided by the participating lenders in our network are short term loans, which are designed to provide cash to you to be repaid within a short amount of time. These types of loans are not a solution if you are facing long term debt and credit difficulties, and should not be used on a long-term basis. You should only borrow an amount that can be repaid on your next pay period date.

Representative APR Range - Instant Cash Advance Loans is not a lender and does not provide short-term loans but refers consumers to lenders who may provide such loans. Instant Cash Advance Loans is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to the information supplied by you in your loan request and your lender. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. We are not the lender and do not have access to the full terms of your loan.

The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APR. By law, the lender must show you the APR before you enter into the loan. Many states have laws limiting the APR that the lender can charge you. APRs vary from 390% to 1960%. Loans from a state which has no limiting laws, or loans from a bank not governed by state laws may have an even higher APR. Please be sure your lender gives you the APR along with the other terms of your loan before you sign their agreement.

Implications of Non-Payment and other Considerations - Each lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan be sure you read and understand the implications of making late payments. Also, each state has rules and regulations in place that payday lenders must follow when assessing fees for late payments.

Implications of Non-Payment, Late Payment or Partial Payment - When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full or if you make a late payment. Instant Cash Advance Loans cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Payday Loans Solution has no control of knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. Instant Cash Advance Loans does make an effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair and reasonable manner.

Fees and Interest - If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. Instant Cash Advance Loans is not a lender and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.

Credit Implications - Instant Cash Advance Loans does not make credit decisions nor does Instant Cash Advance Loans conduct a credit inquiry on consumers. Some lenders on the Instant Cash Advance Loans network may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders typically do not conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. Ultimately, your credit score may or may not be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score.

Renewal Policy - Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Cash Advance loans are intended to be a short term financial instrument. Instant Cash Advance Loans encourages all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees.

Collection Practices - Instant Cash Advance Loans is not a lender and Instant Cash Advance Loans does not engage in debt collection practices. Your lenders’ collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender we recommend that you discuss this issue with your lender directly. Instant Cash Advance Loans makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct.