CashAdvanceFinder.com

Disclosures

Important information about our role, representative costs, and state availability.

Our Role

CashAdvanceFinder.com is not a lender, broker, or creditor and does not make loan or credit decisions. We are an advertising and referral marketplace that connects consumers with third-party lenders, cash advance app providers, and financial service providers. We do not charge you a fee to use our site or services.

If you are connected with a lender or service provider, we may receive compensation from that provider. This compensation may impact how and where products appear on our site. Submitting a request through CashAdvanceFinder.com does not guarantee that you will be approved for a loan or credit product.

Representative APR Examples

The following are representative examples for informational purposes only. Actual APRs, fees, and terms vary by lender, state, and your individual creditworthiness. You will be provided with full disclosures by the lender before you agree to any loan.

Loan TypeLoan AmountFinance ChargeTotal RepaymentApprox. APR
Payday Loan$200$30$230~391%
Payday Loan$500$75$575~391%
Payday Loan$1,000$150$1,150~391%
Cash Advance App$100$0-$5$100-$105~0% (no interest)
Credit Union PAL$500~$10-$15~$510-$515Up to 28%

Important: These examples are illustrative only. Your actual costs will depend on the specific lender, your state of residence, loan term, and other factors. Always review the Truth in Lending disclosure provided by the lender before accepting any loan.

State Availability

Payday loan regulations vary significantly by state. Some states have banned payday loans entirely, while others impose strict interest rate caps or limit the number of concurrent loans. Cash advance apps are generally available in more states but may have their own restrictions.

States with Rate Caps (36% or less)

Colorado, Connecticut, Illinois, Montana, Nebraska, New Hampshire, Oregon, and others. These states limit the maximum APR that payday lenders can charge.

States with Prohibitions or Heavy Restrictions

Some states have banned payday lending entirely or require specific licensing. Always verify that any lender is licensed to operate in your state.

States with More Permissive Regulations

In some states, payday lenders may charge higher APRs and offer larger loan amounts. Even in these states, individual lenders may have their own limits.

Credit Checks

Submitting a request through CashAdvanceFinder.com may result in a soft credit inquiry, which does not impact your FICO credit score. However, if you are connected with a lender and proceed to apply for a loan with them, they may perform a hard credit pull, which can temporarily affect your score. Cash advance apps typically do not check credit at all.

Responsible Borrowing

Short-term loans, cash advances, and payday loans are not intended for long-term financial solutions and should be used responsibly. Before borrowing, consider whether you can repay the loan on time, explore lower-cost alternatives, and create a plan to avoid future emergency borrowing needs. If you are struggling with debt, consider contacting a nonprofit credit counseling agency such as the National Foundation for Credit Counseling (NFCC).

E-Consent

By submitting a request through our site, you provide your express E-Consent to receive electronic communications from CashAdvanceFinder.com and our network of lending partners. This includes but is not limited to loan offers, disclosures, and marketing materials. Consent is not a condition of service. You may withdraw consent at any time by contacting us.

Disclaimer: CashAdvanceFinder.com is not a lender and does not make credit decisions. The information provided on this page is for educational purposes only. Rates, terms, and availability are determined by individual lenders and may change. Always review the full terms and conditions before accepting any loan offer.

CashAdvanceFinder.com

Helping Americans find fast, transparent cash advance and payday loan options since 2024.

Material Disclosure

APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, and APRs for installment loans range from 6.63% to 485%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans and up to $5,000 for installment loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Be sure to review our Disclosures for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site's Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender's renewal policy.

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