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Cash Advance Loans – Apply Online Today

Designed To Help Borrowers Who Need a Cash Injection Quickly

If you need a cash advance before payday, we’re here to help by connecting you with lenders that offer cash advances before your next paycheck. From $100 to $35,000, Harpsey can help you via our network of cash advance loan providers. Click Apply Now to get started!

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Cash Advance Loans Online

Loans With
No Credit Check

Loan Terms

How To Apply for Cash Advance Loans


Apply Online

Fill out a free online loan enquiry application form, which takes no more than 5 minutes to complete. You will choose how much you want to borrow and over what period of time.

Instant Decision

Receive an instant decision with your loan offer. If you wish to proceed with your loan offer, you will be asked to electronically sign the terms of the loan offer in order to complete the approval process.

Receive Funds

Once the approval is completed, you will receive the funds straight you’re your checking account within 24 hours, but usually within 1 hour from approval. The money is yours for you to use as necessary.
Benefits of a Cash Advance Loan

Vetted Lenders

Quick Cash Advance Service

What Is A Cash Advance Loan?

Understand The Benefits Of A Cash Advance

A cash advance is a type of short-term funding option that is available for borrowers to help them meet certain financial commitments before their next paycheck comes in. Although cash advances are often associated with specific services offered by credit card companies, what we mean here, is the cash advance as a form of short-term payday loan.

A cash advance has a number of benefits compared to other loan products. The main one being that less reliance is placed on the borrower’s credit score by the lender. If you are borrower with a below par credit score, then a cash advance may be a helpful and useful option to obtain a fast injection of cash to cover certain financial commitments.

 Free Online Service

 No Impact On Your Credit Score

 No Credit Check Loans Available

 Bad Credit Accepted

 Short Enquiry Form

 Instant Decision

 Receive Funds Within 24 Hours

Am I Eligible For a Cash Advance?

The usual criteria for being eligible for a cash advance is based on satisfying the following conditions:

  • Be over 18 years of age
  • Have income of more than $800 per month to make repayments
  • Have an active checking account to receive funds
  • Be a US or Canadian citizen or resident
  • Bad credit considered

Those with bad credit can still be successful in obtaining a cash advance with our lenders. Simple fill out our loan enquiry form with your details and begin the search for the best cash advance options available today.

What To Consider Before Getting A Cash Advance Loan

When we surveyed some of our applicants, many of them told us that they needed a cash advance as a quick and short-term way to pay emergency expenses that they were just not expecting. Our applicants often cited car repairs, home remodels and plumbing issues as the main reasons why they needed a cash advance.

However, there are many other valid reasons why a cash advance may be beneficial for people.

The important consideration for a cash advance is that it’s a fast source of cash that bridges the gap between one paycheck and the next for cash flow purposes. With regular monthly bills needing to be paid, most people just don’t have the necessary funds to pay for unexpected emergency expenses that sometimes emerge in-between paychecks.

Once payday arrives, they can usually pay off the cash advance and return to their regular monthly pattern of managing their usual income and expenses.

Before deciding to make the cash advance, lenders want to make sure that borrowers have a solid plan to repay the cash advance usually from their next paycheck. They will carry out a quick check that the income from a paycheck is sufficient from an affordability standpoint to repay the cash advance. Once satisfied, the cash advance is paid without delay.

Harpsey scans the entire market to ensure we match our applicants with lenders that can accommodate each cash advance request.

Although we cannot guarantee that 100% of our applicants will be successful in receiving a cash advance, we work with lenders across the whole of the US and Canada to ensure each applicant’s cash advance request is welcomed and supported on its own individual merits.

Whether you’re in California, Texas, Florida or any other state in the US, Harpsey gives you the best chance of success to secure a cash advance where it is available as a quick and important source of short-term funding.

Getting an instant cash advance makes great sense if you have a repayment plan or budget in mind and you can afford to pay back this loan.

It’s possible to get approved in minutes and have the money in your bank account as early as an hour after approval. Certain loans can take more time. For instance, a secured loan where you put up collateral (something you own of value) against the loan.  It takes time to check the value of that collateral.

Once you’re approved, the funds for most small payday loans land in your account within hours or the next working day. But this process is much quicker than working with a bank to get a loan.

Our loan providers do the necessary checks to make sure that you can afford the product they’re matching to you. They also want to make sure they’re well suited to your situation. They will confirm how much you make, what your credit rating is, and whether or not you can afford this loan.

If you are looking for a quick source of funding, our experts consider a cash advance as high up on the list for the fastest out there. You will receive an instant decision online after completing the loan application form and usually receive funding within 15 minutes to 1 hour of being approved. This is typically on the same day as completing the application form.

Our panel of lenders will carry out their standard checks on a few key finance areas such as your income and some affordability due diligence. They may also look at your credit score.

However, less reliance is placed on credit scores when it comes to cash advances as it’s a short term form of finance. With all of this information, Harpsey allocates the best lender amongst our panel, matched and tailored to your loan request and financial standing.

The best time to make an application for a cash advance through Harpsey is during working hours, ideally between 9am-5pm. This will give you the best chance of securing your cash advance when our lenders are looking to allocate their loan capital to cash advance borrowers.

The rate can seem high but remember that cash advance loans generally will only last a few weeks or months. When calculating APR for a cash advance, it assumes that the loan lasts for an entire year which can make the APR seem quite high.

Yes, you will have a good chance of receiving a cash advance provided you have a reliable plan to repay the debt. Lenders typically are not basing their decision to make the cash advance on credit scores alone.

They understand cash advances are popular with borrowers who have less than perfect credit scores. Having bad credit is a not a hindrance or burden to receiving a cash advance.

What lenders look for, before making the cash advance, is indicators that they will be repaid the cash advance on time and without problems. This usually boils down to:

  • Stable employment
  • Regular income
  • Affordability for the amount borrowed
  • Age

Cash advance lenders typically base their criteria for offering a cash advance on two main considerations:

Cash Flow

Lenders must feel confident that the borrower has sufficient cash flow to make the loan repayment on a short-term basis. This is usually within a few days or within a few weeks.

Cash advance lenders will typically look at the borrower’s paycheck to see how much they earn from their job and when they receive their next paycheck.If the paycheck is enough to cover the cash advance loan repayment, this usually means the borrower will qualify for the cash advance and receive the funds.

Local State Regulation

Each state has its own rules relating to cash advance loans and the amount of interest and fees (APR) that a lender can charge for the cash advance. Find out more information on maximum APR rates for each state via our state pages.

Certain states also stipulate what lenders must do before making the cash advance so that borrowers have sufficient protections. Harpsey works with lenders on a state-wide basis and are experts in matching you with the best lenders across the entire US, whether you’re in California, Texas, Florida or any other US state where cash advances are permitted.

Representative Example

Note this is an example of a typical loan. Real terms will vary from lender to lender.

Borrow $300 over 3 months, at 400% APR3 repayments of $218.91, total repayable $518.91

Key Features Of A Cash Advance Loan


Loan Amounts $100 to $35,000
Loan Terms 1 to 60 Months
APR 200% to 400%
Same Day Funding Yes
Bad Credit Yes
Direct Lenders Yes
Upfront Fees No


Frequently Asked Questions

Cash Advance Loans

The cash advance loan market is one of the quickest forms of lending. Harpsey’s online service enables borrowers to obtain a cash advance into their checking account as quickly as 15 minutes for small amounts up to $500.

For larger amounts, we usually work with lenders who lend the cash advance within a few hours from approval. This is often the same day as completing the cash advance loan enquiry form with Harpsey.

If your loan is declined because of your circumstances (which is rare), nothing happens. The service is 100% free. If your application is not successful, no fees are charge and you can carry on as normal.

It is also important to state that your credit score is not affected either by the application. So you do not need to worry about the effects on your credit score as there are none.

Lenders will typically carry out a credit check as part of their normal due diligence checks for each applicant. It is a standard industry check that all lenders have to do as part of their processes.

However, cash advances can be paid even with a bad credit score. You will usually have a good chance of obtaining a cash advance even with a below par credit score because of the amount of lenders that want to lend cash advances to borrowers despite their poor credit scores.

Cash advance lenders are mostly interested in the borrower’s ability to repay the cash advance. Affordability and cash flow checks are the main things they will look to before making the cash advance.

If you have a bad credit score, and do not have sufficient income to repay the cash advance, then lenders may ask you put up what’s called “collateral” as security for the cash advance. This can be in the form of property such as real estate, your car or other property you may own.

No, Harpsey is not a direct lender, we are a free online loan connection service that match lenders with borrowers via our loan enquiry form.

We are passionate about the loan finance industry and have gained a wealth of knowledge through working with many different types of lenders and borrowers over the years to make the perfect match.

We try to only work with those vetted lenders who are able to offer affordable and competitive rates to borrowers applying through our online service.

We offer cash advances in many states across the US and Canada.

In the US, cash advances are available in the following states:

Alabama, California, Colorado, Florida, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Nevada, Tennessee and Texas.

Cash advance loans can often attract a high level of interest, often referred to as APR.

APR on cash advance loans can vary between 300 – 600% depending on the US state and other factors such as affordability and credit score.

Although the APR is high, cash advance loans are usually only taken out for a short period of time to bridge the gap between paydays.

APR is typically calculated as if the cash advance loan lasts for an entire year which can make the interest level of the APR seem inflated.

The key is to be clear on the costs of the cash advance for the period you are wanting to borrow it for.

The lenders we work with are vetted and are under strict disclosure rules to make the full costs 100% clear to borrowers. This includes both the costs during the period of the cash advance and any costs if the cash advance is not repaid on time.

This allows borrowers to understand the full financial conditions of the cash advance before they commit to it. Many of our borrowers review the offer of the cash advance before deciding to move forwards with it or say no to it if they are not comfortable with it.