Advance.Cash Claimed


Net Recommendation Score +50  


This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
1 user is unsure
0 users don't recommend
Explore a similar product
Try this top product in Personal Loans.
Spotloan 22 reviews
Community Rating

Rating not yet determined  

APR  (Fixed APR) 472% - 841%
Loan Amount $300 - $1,000
Loan Term (Months) 1 - 6 months

Advance.Cash Review

Advance.Cash is offered by Makes Cents Inc., a direct lender founded in 2012 and based in Parshall, ND. Advance.Cash is available in 38 states (and Washington, DC).

Key Takeaways

  • APRs starting at 472%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Advance.Cash are on the higher end of the spectrum.
  • Small-dollar loans. Advance.Cash has a maximum loan amount of just $1,000.
  • Short loan terms. Advance.Cash have loan terms as short as 1 month.

Advance Cash Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • APRs as high as 841%.
  • Charges an origination fee.
  • Short loan terms (maximum of 6 months).
  • Small loan amounts (maximum of $1,000).
  • Do not offer pre-approval with soft credit pull.
  • Advance.Cash does not report to credit bureaus.
  • Charges a late fee.

Advance Cash FAQ

What interest rates and personal loan terms does Advance Cash offer?

Advance Cash has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Advance Cash offer?

Advance Cash offers a fixed APR personal loan product that ranges from 472% APR up to 841% APR.

How much can you borrow via Advance Cash?

Business loan amounts start at $300 and go up to $1,000.

What is the maximum loan term you can get with Advance Cash?

Advance Cash offers loans with terms of up to 6 months.

Advance Cash Interest Rates & Loan Terms
Personal Loan Amount $300 - $1000
Loan Term 1 - 6 months
APR 472% - 841%

What fees does Advance Cash charge?

Does Advance Cash charge an origination fee?

Advance Cash may charge a personal loan origination fee.

Does Advance Cash charge a late fee?

No, Advance Cash will not charge you a late fee if you miss one of the monthly payments.

Does Advance Cash charge prepayment fees?

No, Advance Cash does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Advance Cash Fees
Origination Fee No
Prepayment Fee No
Late Payment Fee No

What do you need to qualify for Advance.Cash?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Advance.Cash does not have or does not disclose a minimum annual income eligibility requirement. Advance.Cash 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 Advance.Cash 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 Advance.Cash. 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
  • Proof of income
  • Blank personal check and/or debit card
  • Driver's license
  • Proof of identity
Advance Cash Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
  • Credit Score 300 - 650

    Is Makes Cents Inc. a legit company?

    Makes Cents Inc. was founded in 2012, it is a well-established company that has been in business for 10 years.

    Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

    SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    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.


    About Advance.Cash

    Icon for Personal Loans
    View all personal loans offered by Makes Cents Inc.


      Available in 38 states and Washington, D.C.
    • Alaska
    • Alabama
    • Arizona
    • California
    • Colorado
    • Washington, DC
    • Delaware
    • Florida
    • Hawaii
    • Iowa
    • Idaho
    • Illinois
    • Indiana
    • Kansas
    • Kentucky
    • Louisiana
    • Maryland
    • Maine
    • Michigan
    • Missouri
    • Mississippi
    • Montana
    • North Carolina
    • Nebraska
    • New Hampshire
    • New Jersey
    • New Mexico
    • Nevada
    • Ohio
    • Oklahoma
    • Oregon
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Wisconsin
    • Wyoming

    Feature Breakdown

    No Prepayment Fee
    Checking Account Required
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Retired
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    Verification Documents Required
    • Driver License (or other photo ID)
    • Proof of Income
    • Proof of Identity
    • Social Security Number
    • Blank Personal Check and/or Debit Card
    Credit Score Range 300 - 650
    APR Type Fixed APR
    Loan Amount $300 - $1,000
    APR (Fixed APR) 472% - 841%
    Loan Term 1 - 6 months

    Advance.Cash Community Reviews


    Would you recommend Advance.Cash to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    (will require moderator approval)


    This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.


    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

    sorted by

    Other Personal Loans

    Makes Cents Inc. Personal Loans