Frequently Asked Questions

CashAdvanceLocal.com is a matching service which submits your inquiry to its network of lenders. There is no cost for submitting an inquiry. The fees and rates are quoted directly by the lender which is matched to your profile. CashAdvanceLocal.com is not a lender and will not provide you or anyone else with lending services.It is understandable for new customers to have questions about CashAdvanceLocal.com which is why we have compiled the most common questions into this FAQ. If you have any question not answered in this FAQ we'll be glad to answer them. All you've got to do is to contact us and allow some time to receive an email response.Any questions pertaining to loan payments, application status and extensions etc need to be directed to the lender to whom you submitted your application to. Once your application has been submitted on the lender's website you'll receive the lender's contact info.

This is a short term loan aimed at helping people who need some extra cash prior to their pay day. The amount here is often between $100 and $1000.
Most lenders require you to: · Be employed in your current position for around 90 days at least · Be employed in your current position for around 90 days at least · Be older than 18 years of age, be a US citizen or a permanent resident · You should have a salary of $1000 each month after tax deductions · Have a valid email address, work phone number, and home phone.
You can get anywhere from $100 to $1000. The approved amount will be predetermined by the lender.
Once your cash advance has been approved the money is wired electronically to a checking account of choice.
Yes, you can still get it despite bounced checks, charge-offs, bankruptcy and also credit related issues.
It can take as few as just 2 minutes to fill out the inquiry form. you'll get your loans within 1 or few business days.
You should have a printer in order to print out the loan documents. Also, the lender who receives your inquiry will also need for you to fax over the information to them. Information such as your bank statement and a pay stub will need to be faxed over. If you do not have a fax machine you can always use ones available at Office Max, Kinkos, Mail Boxes, Stables etc.
There is no cost to use CashAdvanceLocal.com matching service. The fees of the loan will vary depending on the amount and the lender. The lender will notify you of the exact fees for the loan once on their website. However, please bear in mind that cash advance loans have been designed with emergency needs in mind and will be lower in terms of expense as compared to late charges, check fees etc. which you may incur if you are late with payments.
Yes, you may qualify, even if you have another outstanding loan you can still qualify. But you'll need to be sure to disclose this outstanding loan to the lender.
Both the loan fees and the amount is withdrawn directly from your checking account once the due date has been reached. You will not have to think twice about it! This saves you from having to visit any store. An extension can be requested by contacting your lender prior to the due date. But there will be additional fees which apply to the extension.
There are different policies followed by different lenders in our network. It is advised that you review the policies pertaining to late payment often found in the lender's documentation prior to inserting your e-signature on that document. However, many states have laws that dictate how much lenders are allowed to charge for late payment.
We use state of the art security systems. All your private information is kept securely in an encrypted format to ensure your security and privacy. More details can be found by reading our privacy policy.
Usually, after 2 hours you can apply again. However, if you have already previously been approved for a loan then ensure that this info has been disclosed to the lender.
The state laws on this differ and dictate if a lender can grant you an extension often referred to as a 'rollover'. While some states allow for multiple rollovers, others do not allow it at all. You should ask your lender about anything concerning rollovers/extensions. Also, make sure to contact your lender with an extension request prior to the due date of your payment. If you do not do it in time the lender will charge you an additional fee and ask for immediate payment of the remaining balance. Also, additional fees and other charges may be levied on you if you default.
Lenders are always determined to pursue collections after the due date of their accounts to the fullest legal extent. You may have to face criminal charges and additional fees if you do not repay on time.

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Cash Advance Local - United States

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Important Disclosures. Please Read Carefully.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where CashAdvanceLocal.com does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. CashAdvanceLocal.com is not a lender and does not make loan or credit decisions. CashAdvanceLocal.com connects interested persons with a lender from its network of approved lenders. CashAdvanceLocal.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. CashAdvanceLocal.com receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, CashAdvanceLocal.com’s service is always free to you.

CashAdvanceLocal.com does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to CashAdvanceLocal.com, you are giving lenders in CashAdvanceLocal.com’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. CashAdvanceLocal.com has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments May Affect Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments. Lenders are required to follow the Fair Debt Collections Practices Act and related state law when collecting money from you.