Universal Cash Advance
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Details About Cash Advances
What is a Universal Cash Advance loan?
How do I apply for a Universal Cash Advance loan?
How does a cash advance work?
What if I have bad credit?
What fees apply to this cash advance?
When do I have to pay back my cash advance?
How much can I borrow?
When will I receive my cash advance loan?
Do you keep my information private?
Applying for an Advance
What is the fastest way to process my application?
How will I know if I'm approved?
Will the application be processed if I don't fax in all the necessary information?
What is your fax number?
Where do I find a fax machine?
Can I print the forms now and fill out an application later?
Why am I unable to view my loan documents online?
Questions About Your Current Cash Advance
I could use more time to repay my cash advance. Can I refinance the cash advance?
Can I apply for a second cash advance if I have an outstanding balance?
Can I prepay in full?
What is a Universal Cash Advance loan?
A Universal Cash Advance loan is a loan of $100 to $500, made by a lender that you agree to repay in a short period of time. You repay the loan by voluntarily preauthorizing an electronic withdrawal from your checking account for the full amount of money owed, to include applicable finance charges, typically on your next payday.
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How do I apply for a Universal Cash Advance loan?
The first step is to fill out an application by clicking here. If you elect to apply by fax, you will need to print out the application and sign it. Next, fax the application back to us with a recent pay stub, benefits check, or other income documents; a recent bank statement; and a voided check or deposit slip. We will review your application and will call you if you are approved or if we need more information from you.  Upon approval, we will fax you the loan documents to sign and fax back to us.
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How does a cash advance work?
After you are approved for the loan, typically the next business day, the amount of the loan is electronically deposited into your bank account and is available to you unless applied to an outstanding obligation. On your loan due date (typically your next payday), the amount of the loan plus applicable finance charges are deducted electronically from your bank account. You may have the opportunity to apply for a loan refinance shortly before your loan is due in case you find you cannot repay the loan on the due date.
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What if I have bad credit?
Because you have regular income and agree to pay back your cash advance in a short time, we are usually able to lend you money even if you have credit problems. Click here to view the loan requirements.
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What fees apply to this cash advance?
The fees for the advance are based on the amount of money borrowed and the number of days you borrow it for. The documents we send you after you are approved will provide detailed information about fees.
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When do I have to pay back my cash advance?
Generally, you must pay the loan back, including applicable finance charges, on your next payday. You may be able to apply for refinancing in which you may pay the current finance charge due and refinance the loan until your next payday. If you would like to refinance, you must contact us by 6:00pm Eastern Time the day before your loan due date.
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How much can I borrow?
Up to $500, subject to approval. First time borrowers are eligible for a maximum loan amount of $300.
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When will I receive my cash advance loan?
If all information is received by 6:00pm Eastern Time and can be verified, you will typically receive your money on the next business day on initial transactions.
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Do you keep my information private?
Please see the privacy policy.
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What is the fastest way to process my application?
The fastest way to process your application will be to sign your loan documents electronically on the E-sign page that follows your loan application page. If you choose not to E-sign you must then complete the application online (click here to fill out your application), print the application, and fax it with your most recent bank statement (dated within the last 45 days), voided check or deposit slip, and most recent pay stub, benefits check, or other income documents (dated within the last 30 days).
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How will I know if I'm approved?
We will call you to follow up on your application if we need more information or to let you know that you were approved for a loan. If your application is denied, you will receive a notice by mail.
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Will the application be processed if I don't fax in all the necessary information?
The application will be considered incomplete after three days. We will call or email you for the missing information.
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What is your fax number?
Please refer to the fax number noted on your loan documents.
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Where do I find a fax machine?
Your work, the library, and many copy stores such as FedEx Kinko's (http://www.fedexkinkos.com/), Office Depot (http://www.officedepot.com/), and the UPS Store (http://www.theupsstore.com/). Some convenience stores also have fax machines.
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Can I print the forms now and fill out an application later?
Yes, select the blank application and print, fill it out, and sign. Attach your pay stub, benefits check, or other income documents (dated within 30 days); bank statement (dated within 45 days); and voided check (or deposit slip) and fax to 1-800-431-3558.
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Why am I unable to view my loan documents online?
If your computer is set to block pop-ups, you may not be able to view loan documents. To adjust settings go to Tools/Internet Options / Privacy.
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I could use more time to repay my cash advance. Can I refinance the cash advance?
Yes, you can request a refinance by completing a Refinance Request. However, you are limited to four refinances before you will be required to pay down part of the balance of your advance plus any finance charges. All refinancing requests are subject to approval.
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Can I apply for a second advance if I have an outstanding balance?
Unfortunately, you cannot be approved for a second advance until your existing balance has been paid in full.
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How can I pay off my loan in full?
On your loan due date (typically your next payday), the amount of the loan due plus the applicable finance charges are deducted electronically from your checking account. You simply must be sure you have the necessary funds in your checking account.
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First time customers are eligible to receive no more than $300. Loans are currently not available to residents of GA , IN , IA , MD , MA , NJ , NY , NC , or WI .
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