in Personal Loans from Makes Cents Inc.




in Personal Loans from Makes Cents Inc.

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.

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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.
  • Hard credit pull required. You can't check your rates or see if you prequalify for Advance.Cash without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • Short loan terms. Advance.Cash offers loan terms as short as 1 month. Most personal loans have a minimum term of 12 to 36 months.
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 rates and terms does Advance.Cash offer?

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

What APR rate 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?

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 personal loans with terms ranging from 1 to 6 months.

Advance.Cash Rates & Terms
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 loan origination fee.

Does Advance.Cash charge a late fee?

Yes, Advance.Cash may charge borrowers a late payment fee.

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 loan off early.

Advance.Cash Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

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
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    • Headquarters
    •   PO Box 10
      Parshall, ND 58770

    About Advance.Cash

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


      Available in 38 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • California
    • Colorado
    • Delaware
    • Washington, DC
    • Florida
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Michigan
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • North Carolina
    • 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
    • 1099 Misc. Income
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Verification Documents Required
    • Blank Personal Check and/or Debit Card
    • Proof of Identity
    • Proof of Income
    • Social Security Number
    • Driver License (or other photo ID)
    Credit Score Range 300 - 650
    Loan Amount $300 - $1,000
    APR (Fixed APR) 472% - 841%
    Loan Term 1 - 6 months

    Advance.Cash Community Reviews


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    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.

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