Emergency or unexpected expenses can be disheartening, especially when they spring-up when you are short of money. So, what do you do if this situation rears its ugly head? For most Americans, cash advance loans is the go-to option. As the name implies, you can get a cash advance loan and pay back at an agreed or convenient time.

Cash advance loans are easy to acquire and can help you sort out your pressing need. Whether you’re looking to repair your car, get a new apartment, or pay the medical bills, cash advance loans can make it happen. Keep reading to find a brief review of the editor’s top cash advance loans providers in the United States. 

Best Cash Advance Loans – Quick Overview

Best Cash Advance Loans Online Guaranteed Approval With Bad Credit 2022

Here are the best cash advance loans direct lenders in November 2022 and what make them the best:

Green Dollar Loans: Best Overall for Advance Cash Loans 

Green Dollar Loans won our hearts by proving to be a convenient and ideal option at connecting borrowers with lenders that offer advance cash loans. This site stands out in the advance cash loans world and holds a lot of promise for individuals with any credit type or those without any loan option to lean on.

You will find the application process simple and secure. Simply spare a few minutes and you are good to go. In this case, you need not worry about sending faxes, making calls, or submitting paperwork physically. Instead, every action happens on the Green Dollar Loans website. 

You’ll be connected to lenders that can provide you with the advance cash loan, varying from $100 to $5000. Immediately this happens, Green Dollar Loans allows you to interact with the lenders without interfering with your conversation. The interest rate attached is between 5.99% to 35.99%, depending on the loan amount requested. No doubt, getting advance cash loans doesn’t get better than this. 

Eligibility Requirements For Advance Cash Loans

  • Must possess a recognized ID
  • Over 18 years old
  • Earn at least $1000 in a month

Pros Of Advance Cash Loans

  • No paperwork, no hidden fees 
  • 100% Secure transaction
  • Same-day instant decisions 

Cons Of Advance Cash Loans 

  • Higher interest rates than banks demand

Heart Paydays: Best for Small Cash Advance Loans Online 

Heart Paydays promises to help borrowers when they need it the most — and they stay true to their word. Hence, we couldn’t help but mention them as one of the go-to loan-providers for cash advance loans online.

Heart Paydays is especially good for you if you are looking for small cash advance loans online as low as $100 until you get your next paycheck. You can also go as high as $5000 if need be and pay back within 3 months to 2 years. Here, the interest rate varies. The interest rates of some lenders on Heart Paydays start from 5.99% while other lenders charge as much as 35.99%.

You can be sure of transparency when you apply for small cash advance loans online on Heart Paydays, thanks to the reputation of each lender on the platform. Here, all the lenders are accredited and the application process is straightforward. Nonetheless, you can quicken the process by having the required supporting documents ready ahead of time.

Eligibility Requirements of Small Cash Advance Loans Online 

  • Valid current or savings account with direct deposit
  • Must be at least 18 years of age
  • Earn a regular income of at least $1000
  • Possess a permanent address 

Pros of Small Cash Advance Loans Online 

  • Readily available customer support
  • Smooth application process
  • Flexible repayment plan

Cons of Small Cash Advance Loans Online 

  • Not accessible in some states within the U.S.

Low Credit Finance: Cash Advance Loans Online No Credit Check

Low Credit Finance is renowned for connecting borrowers that have bad credit history to reputable lenders for cash advance loans online no credit check. This site allows borrowers to request cash advance loans online no credit check ranging from $100 to $5000. Here, the interest rate vary from one lender to the other, from 5.99%  to 35.99%.

Low Credit Finance is ideal for individuals who do not have formal jobs and are worried that it hinder their chances of borrowing money loans after a credit check. 

Rather, they only need to know that you earn an income of at least $1000 every month. In other words, if you’re a freelancer, investor, landlord, or self-employed individual, you can get cash advance loans online no credit check here. To get started, fill out the application form and await a feedback, which comes within a few minutes. 

Eligibility Requirements of Cash Advance Loans Online No Credit Check

  • Legal US citizens or permanent residents only
  • Applicant must be 18+ years old
  • Must earn no less than $250+ every week 

Pros of Cash Advance Loans Online No Credit Check

  • Transfer of funds within 15 minutes after approval
  • High approval rate (9/10 approvals daily)
  • Doesn’t hurt your credit score

Cons of Cash Advance Loans Online No Credit Check

  • Loan interest rate is on the high side

Viva Payday Loans: Payday Online Cash Advance Loans Instant Approval

Payday online cash advance loans can help you with the cash you need, allowing you to repay the loan on your next payday. But in some cases, you need to wait for days to get your loan request approved and funds deposited into your account. This is why Viva Payday Loans online cash advance loans instant approval caught our eye. Viva Payday Loans has built a reputation for connecting borrowers with lenders that process your request quickly.

Viva Payday Loans website provide borrowers with payday online cash advance loans as low as $100 or as high as $5000 with an interest rate ranging from 5.99% to 35.99%, the standard rate in today’s online loan world. Here, the loan application process is as simple as they come. You will be done in no time and you’ll get a quick response from the lender.

Also, the repayment plan is flexible, allowing borrowers to repay every week, two weeks, or monthly, and can spread across 3 to 24 months. Hence, borrowers can repay their loans conveniently.

Eligibility Requirements of Payday Online Cash Advance Loans Instant Approval 

  • Possess a US account that accepts direct deposit
  • Must be at least 18+ years old
  • Earn at least $1,000 per month
  • Permanently reside in USA or possess USA citizenship 

Pros of Payday Online Cash Advance Loans Instant Approval 

  • All FICO scores are acceptable
  • Rapid payout
  • Hassle-free registration process

Cons of Payday Online Cash Advance Loans Instant Approval

  • High interest rate

Big Buck Loans: Cash Advance Loans Bad Credit 

In times past, borrowers with bad credit or poor credit scores have found themselves in the bad books of most traditional lenders, leading to consistent rejection every time they apply for loans. Most times, they need more money than their family and friends can loan them. This is why they run to lenders. However, since these lenders have slammed the door in their faces, they are left with living life uncomfortably. 

But these days, the tables have turned, thanks to the introduction of cash advance loans bad credit offer that Big Buck Loans brings to the table. Now, any bad credit borrower can get the much-needed cash to sort out any pressing need. Big Buck Loans allows bad credit borrowers to apply for loan amounts between $100 and $5000 with an interest rate of 5.99% to 35.99%.

Applying for a loan is quick and straightforward. You will have to provide some supporting documents and a list of your monthly expenses to help the lenders handling the cash advance loans bad credit conduct the routine affordability assessment.

Eligibility Requirements for Cash Advance Loans Bad Credit

  • Must be up to 18+ years
  • Earn no less than $1,000 every month
  • Bank account in the US that allows direct deposit
  • Must be a US citizen or permanent US resident

Pros of Cash Advance Loans Bad Credit 

  • Quick funds delivery
  • Bad credit is considered 
  • Flexible pay back time

Cons of Cash Advance Loans Bad Credit 

  • Can be expensive 

What Are Cash Advance Payday Loans and How Do They Work?

Cash advance payday loans are short-term loans that provide borrowers — especially those that have nonexistent or bad credit — with the instant cash they need, allowing them to pay back when they receive their next paycheck. Therefore, they ensure you live well even before your payday.

However, some of these loans are relatively expensive as they charge high interest rates and are approved based on the income of the borrower. Hence, borrowers only get loan amounts that their income can cover. Some cash advance payday loans providers demand proof of income, identification, and a bank account.

How To Apply for Cash Advance Loans No Credit Check in Quick Steps

Below is a simple step-by-step guide on how to apply for cash advance loans no credit check via Green Dollar Loans:

Step 1: Choose from the Available Cash Advance Loans No Credit Check Loan Amounts

The loan amounts you will find are between $100 to $5000. Choose a loan offer that suits your budget and needs. 

Step 2: Complete the Cash Advance Loans No Credit Check Application Form

Access the cash advance loan no credit check application form on the Green Dollar Loans homepage. Follow the instructions and fill out the form with your accurate data.

Step 3: Wait for a Decision on Your Cash Advance Loans No Credit Check Application 

After submitting your application for cash advance loans no credit check, wait for a decision. This barely takes time. In most cases, it takes no less than two minutes, so you’re not in the dark for long.

Step 4: Get Your Cash Advance Loans No Credit Check

Go through the terms and conditions stated in the loan contract. After which, you can sign and return it to the lender. Bad credit cash advance loans no credit check are usually paid out immediately after approval.

Cash in Advance Loans Features and Factors To Consider

Cash in Advance Loans Approval Rate

The approval rate plays an important role in determining when you get your cash in advance loans request accepted and funds delivered to your account. So, don’t take this factor lightly, especially when you need an instant loan.

Instant Cash Advance Loans For Bad Credit Interest Rate

Don’t be in haste to take cash advance loans for bad credit from lenders without confirming their interest rates. Sometimes, these interest rates can be unbelievable and hard to pay back. Ensure you steer clear of lenders with interest rates you can’t afford.

Reputation of Lenders Offering Bad Credit Cash Advance Loans

Before opting for any lender, make sure you confirm if you can trust them. This is where Google search comes in handy. You can search for their name and get more information about them. Also, you can read articles and customer reviews before moving forward with your bad credit cash advance loans contracts.

Repayment Plan for Cash Advance Loans With Bad Credit 

It’s ideal if you understand the a lender’s repayment plan before choosing. This will save you the troubles in future. Find a repayment plan that works for you. If you want a flexible repayment plan, only request cash advance loans with bad credit from a lender that has this offer.

How Did We Choose The Best Instant Cash Advance Loans Lenders

Nothing beats the peace that comes with getting loans through reputable providers whenever you need one. Hence, we had to put in the work to ensure we shortlisted the best instant cash advance loans providers that tick these boxes:

  • Reasonable interest rates between 5.99% to 35.99%
  • Flexible payback plan that range from 3 months to 2 years
  • Cash advance loans as high as $5000 to cater for a wide range of budgets
  • Transparency in lenders loans application processing and approval
  • Logical eligibility requirements for the average American.
  • Loan alternatives for bad credit, nonexistent credit borrowers and individuals without formal or white-collar jobs.
  • Simplicity of the online application process — not requiring calls, faxes, or physical paperwork
  • Swift response and high approval rate
  • Prior customer feedback and reviews 


Getting cash in advance or before the next payday was once an uphill task, especially for bad credit borrowers, no credit borrowers, and individuals without white-collar jobs. However, these days, there are some options out there that make it possible for every Tom, Dick, and Harry to get loans to sort out pressing needs without delay. An ideal example is the Green Dollar Loans. 

Of course, you’ll be glad when you finally find the perfect lender for your needs. Hence, if you would love to find lenders that most likely will provide you with suitable cash advance loans and reasonable repayment terms, visit the Green Dollar Loans website now. 


What Are Tax Refund Cash Advance Emergency Loans?

Tax refund cash advance emergency loans are no-interest short-term loans ranging from $200 to $4,000 that you can take out and repay with your tax refund from the Internal Revenue Service (IRS). Hence, tax refund cash advance emergency loans 2022 procedures are no different from the tax refund cash advance emergency loans 2021 procedures.

Where Can I Get Cash Advance Loans?

If you need cash loans in advance and afford to repay them within a rigid or flexible timeframe, consider any of the loan-finder websites discussed in this post. Our pick of the bunch is Green Dollar Loans, thanks to their wide loan range and flexible repayment term. Nonetheless, you may also strike gold with Low Credit Finance, Heart Paydays, Big Buck Loans, or Viva Payday Loans.

What Are The Basic Requirements To Qualify For Cash Advance Loans?

Here are the basic requirements:

  • You must be over 18 years old
  • Possess proof of income 
  • Possess a valid identification
  • Have an active current or savings account 

Disclaimer: The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice, please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only.

David M. Higgins II, Publisher/Editor

David M. Higgins was born in Baltimore and grew up in Southern Maryland. He has had a passion for journalism since high school. After spending many years in the Hospitality Industry he began working in...

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