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  Amscot Cash Advance

Amscot Cash Advance

in Payday Loans from Amscot

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Amscot Cash Advance

Unaffiliated

in Payday Loans from Amscot

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Highlights
Loan Amount Up to $500
Loan Fee N/A
Minimum Monthly Income N/A

Amscot Cash Advance Review

Amscot Cash Advance is offered by Amscot, a direct lender founded in 1989 and based in Tampa, FL. Amscot Cash Advance is available in 1 state across the USA.

Amscot Cash Advance FAQ

What are the Amscot Cash Advance rates & fees?

These loans are meant as a short-term source of credit but if you calculate the annualized percentage rate of those fees you get rates ranging from 271.14% to 365%.

How much can you borrow from Amscot Cash Advance?

Loan amounts start at $ and go up to $500.

What do you need to qualify for Amscot Cash Advance?

When it comes to credit scores, Amscot doesn't have a set minimum or maximum. People with all types of credit scores can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Amscot Cash Advance does not have or does not disclose a minimum annual income eligibility requirement. Amscot Cash Advance only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Amscot Cash Advance product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Amscot Cash Advance. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid personal checking account
  • Driver's license
  • Government issued photo ID
  • Proof of citizenship or residence permit

Does Amscot Cash Advance run credit checks?

No, Amscot Cash Advance will not run your credit with the three national credit reporting agencies (Equifax, Experian, and TransUnion). However, they may look at other databases to check your payment history.

What is the estimated funding time for a payday loan via Amscot Cash Advance?

Amscot Cash Advance will typically provide a credit approval decision in less than an hour and fund the loan within 0 business day.

Does Amscot Cash Advance report your account activity to credit bureaus?

Yes, Amscot Cash Advance reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

For more information on payday loans, tribal loans, and their alternatives, read this guide.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Amscot Cash Advance

The first Amscot location opened at 4808 East Broadway, Tampa in 1989. Today, Amscot is Florida’s leading non-bank financial services company, operating locations all over Florida and processing over 31 million customer transactions a year totaling over $8 billion. From check cashing and cash advance services to free money orders and wire transfers, Amscot offers a wide range of financial services at some of the most competitive rates in the financial services industry. We are also open evenings and weekends, seven days a week. Some locations are open 24 hours.

When things come up, apply for an Amscot Cash Advance and get up to $500 cash with no credit checks. Cash Advance (also known as a payday loan) is fast, convenient and often times less than late fees on an overdue bill.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About Amscot Cash Advance

Availability

  Available in 1 state
Florida
Availabile in all of Florida

Feature Breakdown

Checking Account Required
Credit Score Range 300 - 850
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Non-Military
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Government Issued Photo ID
  • Social Security Number
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Funding Time Range 0 days
No Credit Check
Direct Deposit
Instant Decision
APR 271.14% - 365%
Loan Amount Up to $500

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