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Why OpenCashAdvance?

  • We can help you get emergency funds when you need them.
  • Our Online Cash Advance Service is completely free.
  • Our Online Cash Advance Service is completely free.
  • Our secure technology keeps your information safe.
  • We make the process of finding a Cash Advance quick, simple, and secure.
  • Get money into your bank account as soon as the next business day.
  • Even those with less than good credit may be eligible.

Scam Alerts

Recognize a Scam

The Fair Debt Collections Act (FDCA) dictates how loan agents and debt collectors can conduct business. All lenders are required to abide by these regulations. Understanding how lenders can legally operate will keep you from being the victim of a scam. Below are some illegal and questionable behaviors which may indicate a scam:

  • Calls or emails soliciting your personal and financial information.
  • Notification that you have been pre-approved for a loan without you having applied for one.
  • Being asked to send a ‘good faith’ deposit or pay a ‘processing fee’ to secure a loan.
  • The use of scare tactics, abuse, threats, deception, or unfair practices to collect debts.
  • Being threatened with prosecution or jail time for debts, either real debts or debts a person doesn’t owe.

Protect Yourself from Scams

To help you protect yourself from scams, some helpful tips are listed below:

  • Legitimate lenders display their license. When applying for a loan, request the location of their license on their website or ask for a copy.
  • Be suspicious of emails or phone calls requesting personal or financial information. Legitimate businesses will not solicit this type of information.
  • Protect your social security number and banking information and never share this with an unverified person or source.
  • If you receive a call or message from a questionable source asking for immediate action regarding your finances, don’t respond. Instead, call the lender or bank at a phone number found on a statement, on the back of a credit or debit card, or some other verifiable source.
  • If you are approached about paying a debt, ask for written verification (this is required by law).
  • If you believe you are being targeted by a scammer, report it to the proper authorities. If you believe the name of a legitimate lender is being used under false pretenses, report this activity to the lender.
  • Maintain accurate, up to date financial records so that you will be aware of your outstanding debts as well as payments you have made. Also be on the lookout for unauthorized transactions by keeping track of your bank statements and credit card statements.
  • Every few months, check your credit score through a company like Experian, Equifax, or TransUnion.
  • Make sure that the security on your computer, laptop, smart phone, or tablet is up to date.

Education Center

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If this is your first cash advance, or if you’ve recently moved to a new state, then you might not know about your state’s cash advance regulations. Each state has its own unique rules pertaining to cash advances. Click on the map for more information on your state. Here a few regulations you should look out for:

  • Maximum Loan Amount – This is the highest amount of money you are able to borrow through a single cash advance. The limit varies by state. Depending on where you live, you may be able to borrow up to $1,000 with a cash advance or up to $5,000 with an installment loan – or more based on your salary.
  • Maximum Loan Term – This is the longest amount of time you’ll have to pay off your loan. Remember, the less time it takes you to pay off your loan, the less interest you’ll end up paying.
  • Limit on Simultaneous Cash Advances – Some states won’t let you borrow multiple cash advances. This is to keep you from taking on more debt than you’ll be able to pay off.
  • Rollovers Allowed – In some states, a lender may charge you a fee for a loan extension. Other states prohibit this from being an option by not allowing loan extensions (a.k.a. rollovers)

Everyone has financial emergencies and goes through times when money is tight. You might need to get your car fixed or you might need money to cover unexpected medical costs. Getting a cash advance is one way to get money in a short amount of time.

However a short term loan is not a long term solution to financial hardships and is not a solution for your bigger financial needs. Repeated use of these types of loans can actually make your financial situation worse in the long run.

These days, the average American household carries $15,000 in consumer and credit card debt. That is a staggering sum of money to owe and it can seem hopeless to ever pay it off.

People who are this deep into debt are rarely able to get out without help. And by ‘help’ we don’t mean having a rich uncle offer to pay off your debts! One of the best ways to get out of debt is to learn how to handle your money, which is probably not something you can do alone. A credit counselor offers help to those who want to get rid of their debt problem. Some credit counselors offer an initial counseling session for free. After that you might contract them to help you on an ongoing basis.

Since many people never take the time to understand their finances, credit counselors help you to take stock of your financial situation – how much money you make, how much debt you have, how much money you have in the bank or invested. Once you understand your situation, you can begin to learn ways to change your spending habits and better handle your money.

A credit counselor helps you make a realistic plan for paying off your debts. The counselor may help you to recognize and change certain habits. They will probably make suggestions such as altering your spending habits, cutting monthly expenses, or negotiating payment plans for existing debts.

If you have tried to read books about finances, but couldn’t make changes, it might be helpful to have a real person to talk to face to face when you need advice or help and to keep you accountable. Or maybe you have gotten poor financial advice from family and friends. A credit counselor can help you overcome their poor advice.

If you are in debt, a credit counselor could help you on a number of levels. To find a legitimate credit counselor, consult your local Better Business Bureau, the National Foundation for Credit Counseling, or the United States Trustee Program.

Whenever you sign a short term loan agreement, you agree upon a payment schedule. This dictates how often you will make payments and how long it will take to repay your loan. Sticking to that schedule will get your loan repaid on time, but what if you chose to pay it off sooner rather than later?

You might be asking, ‘Why should I repay my loan ahead of schedule?’ One reason is to save money because you will pay less interest on the loan. Another reason to pay it off early is that you won’t have stress of having an unpaid debt.

Since your finances may already be stretched thin, you might think you can pay your loan off early’ but even if money is tight, there still might be ways for you to pay off your short term loan faster. Below are some suggestions:

  • Limit unnecessary spending – Also called ‘discretionary spending’, this represents the money that you choose to spend on the things that you want. To pay off your loan faster, you can purposely limit discretionary spending. If you eat out a lot, eat at home or take your lunch to work. If you enjoy buying new things – clothes, shoes, things for your home or car, etc – buy fewer things or just wait until your loan is paid off.
  • Get rid of ‘luxury’ expenses – You might enjoy cable TV, but you could also be spending that money repaying your loan. Temporarily cancel your cable or some other luxury expense and use that money towards repaying your loan faster.
  • Prioritize your loan – The first money that you should spend when you get paid should go towards repaying your loan. Make your loan payment your priority before spending money elsewhere.

Your lender won’t penalize you for paying more than the agreed upon amount or for paying off your loan early. By following these suggestions, you can redirect your money towards repaying your loan and get out of debt faster.

Payday Advance Cash for Christmas 2016

According to a recent Gallup poll, U.S. shoppers plan to spend an average of $752 on Christmas presents this year. That’s down seven-percent from last year. This is still good news for retailors, but for many families on a paycheck-to-paycheck budget, it means either stretching the pocketbook or taking out a loan to get the money needed to pay for the most expensive holiday of the year. If you find yourself on the wrong side of your next paycheck, we can help you get started as you look for a payday advance cash for Christmas.