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Last Updated: 12/28/2025

Advance.Cash

from Make Cents Inc.

Last Updated: 12/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Rating not yet determined3 total votes

1 users recommend

1 users are unsure

1 users don't recommend

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Highlights

APR (Fixed APR)

472% - 841%(Verified 06/21/2024)

Disclaimer popup with additional information

Amount Range

$300 - $1,000

Loan Term (Months)

1 - 6

Advance.Cash Review

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

Key Takeaways

APRs starting at 472%. Personal loan interest rates typically range between 9% 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

No prepayment penalty.
Considers applicants of all credit types.

APRs as high as 841%.
Charges an origination fee.
Short loan terms (maximum of 6 months).
Small loan amounts (maximum of $1,000).
Does not offer pre-approval with soft credit pull.
Advance.Cash does not report to credit bureaus.
No co-sign option available.

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?

Personal 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?

Advance Cash does not disclose whether it charges late payment fees.

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

Prepayment Fee

Late Payment Fee

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.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Advance.Cash.

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 or other government photo ID
Proof of identity

Advance Cash Eligibility Criteria

Minimum Age

Bank Account Required?

Yes

Application Types Accepted

Individual Applications

Credit Score

300 - 650

Does Make Cents Inc. perform a hard credit pull?

Yes, Advance Cash performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Are Advance.Cash legit?

Make Cents Inc. was founded in 2012, it is a well-established company that has been in business for 14 years.

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

SuperMoney Disclosure: SuperMoney.com 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.

Contact

Headquarters

PO Box 10

Parshall, ND 58770

Visit Site

Email Support

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Advance.Cash Community Reviews

Would you recommend Advance.Cash to your friends?

Jessica S.

Sep 12, 2024

May or may not recommend

I was approved for a loan of $1,200.00. I got the approval paperwork and signed all parts of the agreement. 45 minutes after signing I got a call stating that they will no longer honor the agreement due to lack of information they failed to report. I needed this loan for medical bills and will now lose insurance due to this. They offered no resolution or support for their failure. ...Show More

Alex W.

Dec 18, 2020

May or may not recommend

I'm unsure about Advance.Cash as first they charge an origination fee, second they add late fees, and third don't report to any credit bureaus making it seem not that legit as some lenders. I took a gamble on this one for their minimum amount. Strongly don't recommend it for people on a fixed income, or college students trying to pay debts.