Cash Advance Cash Loans |‌ ACFA

Cash advance are usually short-term, small cash loans. Some cash advances, such as online cash advance loans, can be approved quickly.

A small cash advance can be an option if you quickly cover unexpected expenses or need cash for an emergency. ACFA is both an online lender and credit service provider. This means that they might be a viable option for people with bad credit. Unlike other short-term personal loans with high-interest rates, a cash advance loan must be repaid within a very short time. These small cash advances should only be used responsibly.

ACFA offers cash advance loans

ACFA offers two types of cash advance loans: Installment loans and Lines of Credit.

Installment loans

Installment loans work in the same way as payday cash advances. You’ll get your money in one lump sum, but you won’t have to repay it all by your next pay date. Instead, your payments will be spread over several months.

Lines of Credit

A Line of Credit is a way to have a cushion in case of an emergency or your savings are insufficient. You can withdraw funds up to the limit of your credit if approved. You can continue to draw from your credit as you pay down your principal balance.

Installment loans

You might be interested in applying online for a cash advance. Read our article about the differences between installment loans and payday loans to make an informed decision.

Payday loans are not available to new customers at the moment. However, installment loans are offered through ACFA. See our Rates and Terms Page for more information.

Lines of Credit

A line credit may be an option. You can withdraw any amount from your credit line as you wish if approved. You will pay no interest or fees on the amount you withdraw in most cases.

Two types of Lines of Credit are available through the ACFA website: The ACFA Line of Credit (or the CC Flow Line of Credit) provided by Capital Community Bank, a Utah Chartered Bank located in Provo, Utah, and Member FDIC. Each state has a different credit limit. Check out our Rates page for whether this product is available in your area and how much you can get.

Cash Advances in Other Forms

Credit Card Cash Advance

These cash advances generally come with very high-interest rates, which are higher than the rate you would pay on regular credit cards purchases. As there is no grace period, interest will begin to accrue immediately.

Payday Loan

Payday loan organizations typically issue these small-dollar personal loans. The amount of loans issued varies from one state to the next. They come with high fees and interest rates, just like other cash advance loans.

Credit Card Cash Advance

Borrowing money via your credit card is one common form of cash advance. These cash advances typically have very high-interest rates higher than the rates you would pay on regular credit card purchases. A cash advance may come with an additional fee. The fee could be a percentage based on how much money you withdraw or a flat rate.

It is important to remember that interest will begin accruing right away, and there may not be any grace period. This is a significant distinction from regular credit cards purchases, where interest will typically begin to accrue after a specified time. ACFA does NOT offer this product.

Payday Loan

Cash advances are a very common form of cash advance. Payday loans are usually short-term and must be repaid by the next paycheck. These personal loans of small amounts vary from one state to the next. They are typically subject to high-interest rates and fees, just like cash advance loans.

Lenders may ask you for proof of income and a bank account to approve your application for a payday cash loan.

ACFA does not offer payday loans to new customers at this time.

What are the benefits of a cash advance loan?

Cash advances are short-term, high-cost solutions for financial emergencies. A cash advance loan may be a good option for unexpected or temporary expenses. These are just three situations in which an online cash advance loan might be helpful:

  • Medical emergency
  • Unexpected auto repair
  • Emergency home repair

How to repay your cash advance

To maintain a positive standing account, it is crucial to use an online cash advance responsibly. Depending on which type you choose, you will repay the cash advance in full or in small installments.

Remember to plan before applying for a cash advance online. If you miss payments, some lenders might charge additional interest or late fees.

Take the time to consider all options

A cash advance online could be a good option if you have an unexpected expense that you cannot afford to pay. It is essential to understand and borrow responsibly before you apply for a loan.

Before making a final decision, make sure that you can afford to repay your loan on schedule. You can learn more about possible lending options by visiting our Financial Articles hub.

Why choose ACFA’s online cash advance loans?

Since 2011, ACFA has helped more than 400,000 people. ACFA offers many benefits to customers who apply online for cash advance loans.

  • ACFA’s customer service team is available via phone, email, or chat, seven days a week, including most holidays.
  • It’s easy to apply online for a loan.
  • Your funds may be available as quickly as the next business day.
  • Friendly and fast customer service
  • Transparency without hidden fees

Most Frequently Asked Questions

Qualification Inquiries

How can I get a Cash Advance through ACFA

You must meet the following requirements to be eligible for a loan or line of credit:

  • You must be of legal age to enter into a contract in your state.
  • You can be a US citizen, a permanent resident, or a US citizen.
  • You must be a resident of the state in which the product is being offered
  • Maintain an active bank account
  • A regular source of income is important
  • A valid contact number and active email address are essential

ACFA currently does not offer credit products that meet the requirements for lending to US Armed Forces members or their dependents.

How can I tell if my application has been approved?

If you have been approved, we will inform you by email. To view the status of your Loan/Line of Credit, you can log in to your account.

Can I electronically verify my bank information?

Yes, you might be able to verify your bank information electronically during approval using ACFA’s service provider DecisionLogic. This is a free, secure service that provides a snapshot of recent transactions from your bank account. It helps us quickly process credit requests. This service cannot be used with any other banks.

Some of these benefits include:

  • We can process your request quicker by allowing instant account verification
  • More convenient: You can verify your identity electronically in minutes without having to call your bank.
  • Secure authentication: Online verification of your banking information. Your bank will keep your login details private and confidential.

Payment Inquiries

How can I find out my next due date?

Log in to your ACFA account for your next due date.

What is the best way to make an early payment?

As long as your account remains in good standing, you can make additional payments at no cost. To make an advance payment.

What are the best ways to pay my loan off?

Your loan can be paid in full at any moment. You won’t be penalized or charged fees for early repayment. To pay the full amount, contact one of our Customer Support agents at 1-866255-1668. If your account is in good standing and your loan has been paid off, you may be eligible for another loan.

Requests for Account Information

What can I do to update my information?

Your online account allows you to update certain information. An agent will assist you if you have any questions or need help.

What does ACFA do to protect my information?

ACFA respects your privacy and will protect your personal information according to lending industry standards. We have implemented secure socket layer encryption (SSL) to protect your data when it travels between your computer’s server and our servers, and we have implemented secure socket layer encryption (SSL).


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