Online Cash Advance: Borrow $200–$1,000 and Repay on Your Next Payday
When a bill lands a week before your paycheck does, a Cash Store cash advance bridges the gap. Apply online in about 5 minutes, get a decision in minutes, and repay it all in one simple payment on payday.*
What Is an Online Cash Advance?
An online cash advance is a small, short-term loan — $200 to $1,000 at Cash Store — designed to bridge the gap between today's expense and your next paycheck. You borrow once, and you repay the full amount plus the fee in one single payment on your next pay date. No months of payments, no lingering balance.
Pricing is simple: you'll see the exact fee and the exact total you'll repay, in writing, before you sign. That's the whole cost — there's no application fee and nothing hidden. Because everything is repaid at once, a cash advance is best kept small: if you need more than $1,000, or you'd rather spread repayment across several months, an installment loan is usually the better tool, and vehicle owners can unlock larger amounts with a title-secured loan.
Cash advances shine for genuinely short-term, one-time needs: a utility bill due three days before payday, a co-pay you didn't plan for, or a tank of gas and groceries that can't wait. Borrow only what your next paycheck can comfortably cover after your regular bills.
Is a Cash Advance Right for You?
A good fit if you…
- Need a small amount, fast. For expenses under $1,000 that genuinely can't wait until payday.
- Get paid on a regular schedule. A predictable paycheck makes single-payment repayment straightforward.
- Want it over with quickly. One repayment and the debt is done — no months-long commitment.
- Prefer simple pricing. One flat fee disclosed upfront; the total you'll repay is fixed from day one.
- Have imperfect credit. Approval weighs income and ability to repay, not just a credit score.
Look elsewhere if you…
- Can't repay it all at once. If a single payday payment would strain you, fixed payments on an installment loan are safer.
- Need more than $1,000. Larger expenses fit an installment or title-secured loan better.
- Face a recurring shortfall. If money runs short every month, borrowing repeatedly makes the gap worse — see our responsible lending resources.
- Qualify for cheaper credit. A credit union PAL, paycheck advance from your employer, or a payment plan will cost less.
- Might need to re-borrow. Back-to-back advances are a warning sign, not a plan.
How It Works: From Application to Cash
No branch visits, no paperwork marathons. Most people finish the whole process before their coffee gets cold.
Apply Online
Tell us how much you need and share basic details — about 5 minutes, fully encrypted.
Get a Fast Decision
We look at your full financial picture — income and ability to repay, not just a credit score.
Review Clear Terms
See your rate, payment schedule, and total cost in plain English — before you commit.
Receive Your Money
Funds go to your debit card or bank account — as soon as the same business day.*
See What a Loan Could Cost Before You Apply
Slide to your amount, pick a product and term, and get an instant estimate. Free, no obligation, and no impact on your credit to check.
Which loan fits your needs?
How long to pay it back?
6 monthly payments
- Loan amount$1,500
- Representative APR189%
- Est. total interest & fees$210
- Est. total to repay$1,710
Estimate only, shown for illustration. Your actual rate, term, and payment depend on your application and state, and are disclosed in writing before you sign. Checking your rate won't obligate you to accept a loan.
Installment Loan vs. Cash Advance vs. Title Loan
All three get you cash fast — the right one depends on how much you need and how you want to repay it.
| Installment Loan | Cash Advance | Title-Secured Loan | |
|---|---|---|---|
| Amount | $500 – $5,000 | $200 – $1,000 | Up to $5,000 |
| Repayment | Fixed scheduled payments | Single payment on payday | Monthly installments |
| Term | 3 – 12 months | Until next payday | 3 – 12 months |
| Collateral | None | None | Vehicle title |
| Best for | Larger one-time expenses | Small payday-gap bridges | Bigger amounts using car equity |
| Learn more | Installment loans | You're here | Title loans |
Availability, amounts, rates, and terms vary by state — see Rates & Licenses for the disclosures that apply where you live.
What You Need to Apply
Government-issued ID — a driver's license, state ID, or passport showing you're 18 or older.
Proof of income — a recent pay stub or benefits statement showing your next pay date.
Active checking account — where we send your funds and collect the single repayment.
Working phone & email — so we can verify your application and send your documents.
Cash Advance FAQ
What is an online cash advance and how does it work?
It's a small short-term loan — $200 to $1,000 — repaid in one single payment on your next payday. You apply online in about 5 minutes, see the exact fee and total repayment before signing, and if approved, funds can reach your account as soon as the same business day.
How much does a cash advance cost?
You pay one flat fee based on the amount you borrow, disclosed in writing before you sign. As an illustration, borrowing $500 with a 15% fee would mean repaying $575 on your next payday. Exact fees vary by state — see our Rates & Licenses page for the disclosures where you live.
How fast will I get the money?
Most applicants get a decision within minutes. If approved, funds can be sent to your debit card or bank account as soon as the same business day, depending on approval time and your bank's processing.
Is a cash advance the same as a payday loan?
They're very similar — both are small loans repaid in a single payment on your next payday. "Cash advance" and "payday advance" are the terms we use; whatever the name, always compare the fee, the repayment date, and the total you'll owe.
Can I get a cash advance with bad credit?
Yes — all credit types are considered. Approval is based on your income and ability to repay rather than a single credit score. Approval isn't guaranteed.
What if I can't repay on my payday?
Contact us before the due date — working out a solution early always beats a missed payment, which can add fees. If you're not confident a single payment will fit your budget, consider an installment loan with smaller scheduled payments instead.
See Your Cash Advance Offer in About 5 Minutes
Checking is free, won't obligate you to accept, and shows your exact payment schedule and total cost before you decide anything.
Start My Application