Americash Advance is a financial lending institution that specializes in payday cash advances and loans. They are in the business of helping their customers obtain a quick payday loan when an emergency financial situation comes up before the next payday. The first time you apply for a payday cash advance loan from Americash Advance, you may be able to qualify for up $1000. Americash Advance will be able to approve your loan amount based on your monthly net income. They are not able to approve any loans for an amount that is more than you can reasonably pay back on your next payday.

Americash Advance charges a $20 fee for each $100 you borrow. It only takes about 30 minutes to apply and get approval. Once you are approved for a payday loan with Americash Advance, they will electronically deposit the amount you borrowed into your checking account by the next business day. If you need your funds faster, they have an AmeriCash Express ATM Card that you can ask for and there is no extra fee charged for it. The AmeriCash Express ATM Card will enable you to have your funds in about an hour. The most you can get loaded onto your AmeriCash Express ATM Card is $1000.

You can go online to apply at their website, www.americashadvance.com. New Americash Advance customers who are applying for the very first time will be asked to fax certain documents to verify the information that they have submitted online. For instance, new customers will need to fax a voided check and a current active bank account statement. If you are already an Americash Advance customer, you will also need to fax a new bank statement and voided check if your Americash Advance account is more than 90 days old and you are applying for a new payday cash advance loan. The Americash Advance fax number (877) 369-6702.

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Once you have accepted the terms and conditions of your payday cash advance loan, Americash Advance will be pre authorized to transfer the loan amount into your checking account. They use the EFT (Electronic Funds Transfer) or ACH (Automated Clearing House) to do this. This is a federally regulated way to electronically transfer money into and out of bank accounts. The amount that you owe, plus the fees, will be withdrawn from your account using the same federally regulated method on the due dates that are listed in the terms of your loan.

At Americash Advance, a bad credit rating is no problem at all. However, Americash Advance will use TeleTrack and CL Verify to check on your payment and check writing history. At Americash Advance, you will not be required to put up any collateral for your payday cash advance loan. Your checking account acts as sufficient collateral or guarantee for your payday cash advance. Your payday cash advance loan will be due on your next payday or up to a maximum of 18 days. For instance, if you are paid every week, your loan due date is the next week. For those who get paid twice a week or every other week, the loan is due the next payday unless it is less than 5 days away. Americash Advance will allow prepayment of your loan and does not charge any prepayment penalties. If you pay off your loan before the due date, they will give you a prorated rebate on the unearned finance charge.

If you need and extension on your payday loan, the approval will depend on which state you live in. Each state has regulations that govern extension. However, additional fees will be charged if you are not able to pay your loan off in full on the due date, even if you get an extension approval. When you need and extension or want to make prepayment arrangements, you can call Americash Advance and speak to a customer service representative to make the necessary arrangements. Their toll free number is (877) 369-6700.

The Americash Advance website safe guards all of your personal information and is a secured by GeoTrust. If you have applied for a payday cash advance at Americash Advance and would like to change your mind about the loan, just let them know before 5 pm on the next business day. They will not charge any fees if you let them know by then. Americash Advance is in the business of helping people in a time of financial need and they are proud to have many satisfied customers. Their customer service representatives are there to guide you through the loan process and offer any help and financial advice you may need.