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CashAdvance.com Review: A Secure Service with a Long History but a Mixed Reputation

What is CashAdvance.com?

CashAdvance logo

Established in 1997, CashAdvance.com is an online matching service owned by Arrow Hawk, LLC. Its goal is to help people with any credit history to apply for payday loans through their trusted network of direct lenders. This website is a one-stop shop for online short-term loans, where customers can select a suitable lender from the extensive network, submit their application, and learn all the details about their loans: rates, terms, and conditions. CashAdvance claims to help millions of people receive quick loans every year. The company is also proud to be an active member of the Online Lenders Alliance (OLA), an organization that ensures its members be compliant with the best practices of lending. Besides, the company provides educational resources on its website that helps people make smart financial decisions.

Loan typesMin.amountMax.amountPeriodAPRDocumentsBad credit
Short-term loans$100$1000Up to 12 monthsVaries by lenderSSNYes

Types of Cash Advance loans

CashAdvance.com claims to work with only the trusted and experienced lenders who comply with the best current practices.

The company helps to find the best cash advance loans. These loans are also referred to as short-term loans or payday loans. They are designed to help in an emergency situation, should be used only as a last resort option and repaid on a customer’s next payday.

Once a borrower completes his application and selects a lender, the money will be sent to his banking account as soon as the following business day.

Terms of Use

Using this website is completely free and you can use the services of CashAdvance as often as you want.

The company offers loan amounts ranging from $100 to $1,000.

amount of loan

It’s important to understand that CashAdvance.com is not a lender and will not lend you the funds. They will not provide you with the terms, rates, and conditions. They do not know how much you will have to repay. They can say who will lend you the funds until you choose a lending company. They only mention that the APR can vary greatly depending on the lender, the APR, the loan duration, loan fees, penalties, renewals, and other factors.

The network includes different lenders. Some of them are operated by Indian tribes, while others are regulated by independent lenders. So it’s important to understand what laws your lender complies with.

In order to qualify for a loan with CashAdvance.com, an applicant must:

  1. Be employment for at least 90 days;
  2. Be 18 years of age or more;
  3. Be a legal citizen or resident of the U.S;
  4. Earn $1,000 or more per month;
  5. Hold a personal checking account;
  6. Have a home and work phone numbers and an email address.

An applicant will learn all the loan information after completing the request form. The lender will send him instructions and details including the APR and other fees. You are not obliged to accept the terms if you do not like them.


The company guarantees a quick and easy application process.

application online

You just need to complete an online form and click the SUBMIT button. After that, your personal data will be shared with direct lenders in the network of CashAdvance. If you are matched with the lender, you will be transferred to the page where you can complete your request. If you are approved, the lender will contact you via email or phone you provided. If you accept a loan offer, you will receive your money as soon as the next business day.

Below you can find the documents and information you need to provide during application:

  1. Personal data including name, birthday, email address, home phone number, and social security number;
  2. Your employer’s name and work phone number;
  3. Monthly income and the next date you get paid;
  4. Banking account details

They mention that borrowers do not need to have a fax machine or printer at home. You may print out a loan agreement for your personal records but it is not obligatory.

Loan Repayment

Every lender in the network of CashAdvance has the specific loan repayment terms. So you should carefully review any loan offer made by the lender. Some lenders require that you pay back the funds on the day you get paid while others allow you to repay your loan in several installments over a specified period.

On average, the payments are scheduled and automatically withdrawn from your banking account (the one where the loan was deposited). If you feel that you will not be able to make a payment on a due date, you need to call your lender as soon as possible and ask whether you are allowed to extend a loan.

If you fail to pay off the funds and have not informed your lender that you will be late with the payment, the later most likely will refer your debt to a collection agency, which will negatively affect your credit score. CashAdvance does not make any decision on loan collection measures since it is not a lender but an intermediatory.

The company advises all potential borrowers that all short-term loans should only be used in emergency situations and should be paid off in time. Otherwise, you may be charged enormous APRs that can reach 780%.

Loan Extension

You cannot make a timely payment, you may request a renewal of the loan. For this, you need to contact your lender before the due date. Extension policies are governed by current state laws and you’d better review the loan renewal options prior to signing your loan agreement. Remember that loan extension may carry additional fees that also vary by lender.

CashAdvance.com Bad Credit

According to the website, customers with a poor credit may also apply for short-term loans using this online matching service. Bankruptcy may become a reason for loan disapproval, however, fetting a cash advance with a bankruptcy is still possible.

bad credit

Remember that CashAdvance does not check customers’ credit score but some lenders from its network may conduct a credit check in order to ensure that you will be able to repay your loan. Unlike other lenders, partners of this matching service usually do not conduct a credit check using the three major credit bureaus: Transunion, Experian, or Equifax.

Besides, if you fail with your loan repayment, the lender may report this failure to credit bureaus, which will negatively affect your credit score.

So, lenders from the network of CashAdvance accept bad credit, as long as borrowers comply with the applicant requirements.

Technical Characteristics of the Website


One of the benefits of CashAdvance.com is the advanced encryption level that it provides to all its clients. Using this service, you may be sure that all your personal and financial information are secure. This is a good thing especially if you are searching for a safe site which will never steal your personal and bank information.

Every loan request is secured with256 bit secured encryption verified by COMODO CA Limited. In addition, the left corner of the browser contains the information about the website’s owner – Arrow Hawk, LLC:


I’m quite satisfied with security measures used by this company. This is the most advanced security level an online service can provide.

Mobile Version

A mobile version is essential for companies providing online services since more and more people prefer using mobile devices for applying. Fortunately, CashAdvance.com is mobile-friendly and can fully satisfy all your needs. Google tool confirmed that this mobile version is successful:


Using it, you can easily fill out an application at any place with the Internet access. The text is readable, the elements are enlarged. There is no scrolling or other inconveniences. Nothing distracts an applicant’s attention.


I was glad to see that CashAdvance.com is regularly tested by Norton antivirus so you may feel safe when visiting this website. The risk of getting infected with viruses is minimal.


Using antivirus programs is a prerogative of large and trusted websites so I was really happy to see a Norton icon on this website.

The Convenience of Using CashAdvance.com

You can apply for a cash advance through this website at any time without registration. However, if you plan to use the services of this company in the future, you can make your experience maximum convenient, You are offered to register in the Existing Customers box at the top of the front page. You need to enter your email address and password sent by the lender after your first request and you will find your next application is already completed. You need to simply review the details, update your next day you get paid and click the submit button.

existing customers

In general, it is very simple to use CashAdvance.com. You only need to enter your full name, email address, zip code, choose the loan amount and you may start your application.


The loan request form is standard. During application, you need to provide your employer details, your SSN number, address and some other details.

application 2

Once you have completed your application, you will be offered a list of suitable lenders for your individual needs. Each of them will offer various terms, conditions, and rates. You need to choose the lender you like most. But if you do not like all of them, you may simply interrupt the process without any associated fees.

The whole process can be completed in about 5 minutes. I also like that the website provided a convenient loan calculator which can be used to learn approximate loan rates:


I think using this website you will have a positive experience since it is very easy to navigate. This site is well-designed and guarantees a fast approval.

Is CashAdvance.com Legit?

To ensure that CashAdvance.com is legitimate, I check its trust rating and background via ScamAdviser. According to the analysis results, this service looks safe to use and has a high trust rating – 97% out of 100. This is an excellent result!


According to ScamAdviser, there is a small chance of risk when using this website. The domain age is very impressive — over 21 years. ScamAdviser determined that the website was located in the USA but could also relate to Australia. The website enjoys a popularity and has a lot of visitors. So, there are some confusing aspects but nothing indicates that CashAdvance.com is a scam. The service seems legit and you will most likely have a good experience with it.

CashAdvance.com Reviews

On-site Reviews

Customer reviews are important to check because they indicate whether a lending service is trusted or not. Good reviews prove that the company provides good services and products. Negative comments, on the contrary, warn potential customers that this service is probably a scam and may be risky.

Regretfully, the official website of CashAdvance does not have any reviews left by previous clients. The site’s developers did not pay attention to this aspect but I think clients should have a possibility to write comments and rate the company.

I was not able to assess the real performance of CashAdvance.com since not a single user shared his experience with this matching service. So far, I cannot say whether this company is a good place for requesting loans or not.

Reviews on Third-Party Websites

I found about 30 reviews about CashAdvance.com. It turned out that this company had a mixed reputation.

There are a good number of positive reviewers stating that they have never a problem with this website and never got a single phone call from them. They say the company was reliable and trustworthy.

Anoner borrower said that this company gave him loan options to chose from and it was very convenient. He was never called. At first, he was skeptical about CashAdvance but decided to try it because I found many good reviews.

One more client stated that this company helped him when he needed to take care of his family but didn’t have the necessary amount of money. According to his, you will not have any problems if you repay your loan quickly.

Another borrower got the funds same day and everything was simple. CashAdvance didn’t need much information from him and he completed the application in about 15 minutes.

A user from TrustPilot wrote that everything was just like he expected and with clear terms.

Read what else people say about CashAdvance.com:

good reviews

However, an equal number of customers were disappointed with the service provided and recommended staying away from this website. People called this company “thieves”, “liers” and “scam“, which worries me.

Besides, I noticed that CashAdvance.com is not BBB accredited and BBB.com contains 12 complaints about this company in last 3 years. The most common complaints were about receiving threatening phone calls, unethical lenders, and unfair services.

Read some of the CashAdvance.com complaints I found on the web:

bad reviews

I also found out that CashAdvance has suffered a decrease in visitors since last month, which is a bad sign, and mixed customer reviews testify that using this website, not everything can be as you expect.

Customer Support

Contact Information

According to the Contact Us page, CashAdvance.com is owned by Hawk, LLC. The company is headquartered at 12850 West 331 North Suite 60, Altamont, UT 84401 and has been operating since 1997. Customers can visit their office between 6 A.M. to 7 P.M. On business days.

Other provided contact details included an email address [email protected] and CashAdvance.com phone number 1-800-590-0078. I like that the company provided a detailed contact information and tries to be transparent.

CashAdvance.com Locations

CashAdvance loans are not available in all 50 states.

You will not be able to get a short-term loan using this website if you live in Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Maine, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, and Vermont.

The service is available to customers living in Alabama, Alaska, California, Colorado, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
CashAdvance availability may change so you may always use their location guide to see what types of loans are available in your state:


Getting a Consultation

The company promises to provide the most reliable customer service. They promise to answer any question about CashAdvance.com services instantly. You can contact the company’s representative via email, phone number, or a contact form which is available on the Contact Us page.

CashAdvance phone number

However, if you have questions about loan details including the APR, terms, and rates, you need to contact your lender directly since this online matching service does not possess such information.

Since they did not have a live chat, I decided to reach them using a contact form. I was interested in whether I could repay my loan before the due date without any fee. I waited for 4 hours but nobody responded. It seems that their customer support team works not as well as was promised.


CashAdvance.com is a link between customers and a network of short-term lenders. First of all, let’s sum up what I liked about this service. The company has been operating for almost 20 years and seems to be transparent about their business. Applying for a loan is fast and simple, and their website is user-friendly. The funds are deposited into your account quickly and they accept bad credit. All transactions are safe and secured by the highest encryption technologies. Repaying a loan is convenient, as the money is automatically withdrawn from your account on the due date. There are some nuances that concerned me: CashAdvance has stricter eligibility criteria than other online lenders, exact loan rates and terms are not displayed on the website until you have completed an application and chosen a lender. Their customer service is a real disappointment. Besides, all recent customer reviews are negative which means that Cash Advance has lost its popularity and does not work well for all customers. Despite all these drawbacks, this company seems legit and may be a suitable solution for your emergency needs. However, I recommend you to only use this website as a last resort, when there are no options left for you.

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About the Author

Stephanie Reyes
Stephanie Reyes

Stephanie Reyes is a 30 years old women with an extensive experience in IT sphere. She started creating and posting such a content already in the University. She has graduated from University of Chicago. Now she doesn't bind to any location and travel the world in parallel cooperating in cardinalbank.com.

She posts financial reviews. It will help many people to get to know whether it is possible to issue a bank loan if not - take out payday loans and other online financial services. Stephanie with her husband met in the university and developed the main ideas of SMM.