Top 5 Cash Advance Loans of 2022 Apply Online For Quick Cash Guaranteed Approval Same Day Deposit
news PARTNER Friday, September 02, 2022 - 18:12

Nothing feels sweeter than knowing there’s enough cash in your bank account to cover your expenses and comfortably get through the month. That’s a luxury not all Americans have. Cash advance loans have been keeping thousands, if not millions, of Americans financially stable for years now, and if you find that you’re in a sticky financial position and need a boost, cash advance loans can do the same for you too. 

Below, we present our editor’s pick of the top five providers of cash advance loans. Consider each of these loan finders when hunting for cash advance loans online. You stand to save time and money!

Best Cash Advance Loans Online – Quick Overview

Best Advance Cash Loans With Same Day Guranteed Approval - No Credit Check 2022

1.Viva Payday Loans – Best Overall for Cash Advance Loans Online

Last-minute emergencies and unexpected expenses are reason enough to apply for cash advance loans online via Viva Payday Loans. There are some basic requirements that a borrower has to meet to qualify for a same day payout. A borrower should be able to prove they meet the eligibility criteria and has all their documents ready to upload. Some key documents include proof of a stable income source, proof of address, and photo identification. 

But there's more to finding online cash advance loans than simply searching the internet for fast online loans. Viva Payday Loans offers loan-finding services by connecting borrowers with cash advance providers most likely to approve their loan. Once your loan is approved, the money is deposited in your bank account within the hour. Interest ranges from 5.99% to 35.99% and you can choose from loan amounts starting at $100 up to $5000.

When applying for instant cash advance loans at Viva Payday Loans, you will find that the process is simple and quick. And while you cannot get cash advance loans no credit check at Viva Payday Loans due to regulatory compliance. However, they do offer loans to those with a bad credit rating.

Eligibility Requirements of Cash Advance Loans

  • • Earn at least $1000 per month
  • • Minimum of 18 years old
  • • USA bank account with direct deposit

Pros of Cash in Advance Loans

  • • 60-minute payout
  • • Bad credit borrowers welcome
  • • Flexible terms and loan amounts

Cons of Bad Credit Cash Advance Loans

  • • High interest rates

Click Here to Get Cash Advance Loans Through Viva Payday Loans >

2.Low Credit Finance – Best for Cash Advance Loans Bad Credit

Low Credit Finance is a loan-finder service that prides itself on providing customers with excellent customer service and a wide range of quality loan options. If you've been in an emergency situation, you know that finding instant cash advance loans that payout within an hour can make all the difference. Low Credit Finance understands that urgency.

The application process is quick and easy, and borrowers can expect to receive their funds within 24 hours. The bad credit cash advance loans are between $100 and $5000, with 3 and 24-month repayment periods. The interest rates attached to cash advance payday loans range between 5.99% and 35.99%. 

In order to apply, customers must provide their personal details, such as their full names and surnames, bank information, employment status, and a list of their monthly expenses. The data is submitted via an online application, and applicants can expect to hear back from the lender in 2 minutes.

Eligibility Requirements for Bad Credit Cash Advance Loans

  • • Earn at least $250 per week
  • • 18 years+ to apply
  • • USA bank account with direct deposit

Pros of Instant Cash Advance Loans

  • • Quick approvals and payouts
  • • Options for bad credit borrowers
  • • Flexible amounts and terms

Cons of Cash Advance Loans Near Me

  • • Interest up to 35.99%

Click Here to Get Cash Advance Loans Through Low Credit Finance >

3.Big Buck Loans – Best for Same Day Advance Cash Loans

When trying to find an online cash advance provider that can assist people who have poor credit and offer them same day cash advance loans, Big Buck Loans is the place to go. Here you will find many options, from $100 to $5000, with 3 to 24 months to pay and average interest rates of 5.99% to 35.99%. All that is required is to fill out the online application form, and within a few minutes, you'll know if a lender can approve your loan. Big Buck Loans doesn't offer cash advance loans online no credit check due to regulatory compliance, but we did note that they have several cash advance loans available for bad credit borrowers. 

Eligibility Criteria of Alternatives to Cash Advance Loans Online No Credit Check

  • • $1000 per month min earning requirement
  • • must pass an affordability assessment
  • • Only people 18+ can apply

Pros of Cash Advance Loans Bad Credit

  • • Low FICO scores welcome
  • • Speedy loan processing
  • • Loans paid out in 15 to 60 minutes

Cons of Alternatives to Cash Advance Loans with No Credit Check

  • • Interest of between 5.99% and 35.99%.

Click Here to Get Cash Advance Loans Through Big Buck Loans >

4.Heart Paydays – Best for Online Cash Advance Loans for Unemployed Individuals 

If you're in search of emergency loans and are looking for quick and hassle-free online solutions, Heart Paydays is the answer. Through the services of loan-finder sites, such as Heart Paydays, you can find suitable lenders who will allow you to take out a loan despite your poor credit score and employment status. 

When applying for a personal loan, you can get access to loans ranging from $100 to $5000 with up to 2 years to pay. The interest rate is pretty low, starting at 5.99% but can go up to 35.99%. We couldn't help but notice that this platform is geared towards helping people of all backgrounds. The loan-finder service offers all types of loans, including secured and unsecured loans, bad credit loans, and payday loans.

Unemployed individuals can get cash advance loans fairly easily when using the Heart Paydays platform. As long as you earn at least $1000 per month through other means and can prove it, you are eligible to apply for cash advance loans online.

Eligibility Criteria of Alternatives to Cash Advance Loans Online No Credit Check

  • • $250 per week minimum income
  • • Income vs expenses assessment applies
  • • 18 years and older only

Pros of Cash Advance Loans Bad Credit

  • • Bad credit borrowers welcome
  • • Fast processing of loans
  • • Speedy payout on loans

Cons of Alternatives to Cash Advance Loans with No Credit Check

  • • Interest can reach 35.99%.

Click Here to Get Cash Advance Loans Through Heart Paydays >

5.Green Dollar Loans – Best for Alternatives to Cash Advance Loans No Credit Check

Green Dollar Loans has an easy process when it comes to cash advance loans. You get to choose between different loan amounts and terms based upon your needs. Green Dollar Loans stands out for its reputation of having fast processing times for instant cash advance loans. After your application is accepted, you can expect the funds to be deposited in your bank within 24 hours. And with flexible payback terms, 3 to 24 months, you can prepare for your financial future with an affordable payment that works for you.

Having bad credit should not deter you from getting access to cash advance loans with bad credit. The beauty of Green Dollar Loans is that you can still be approved for a loan even with bad credit. Interest is typically higher on cash advance loans bad credit, ranging from 5.99% to 35.99%.

Eligibility Requirements of Cash Advance Loans Near Me

  • • 18+ years old to apply
  • • USA bank account with direct deposit
  • • Minimum income of $1000 per month

Pros of Cash in Advance Loans

  • • Same day or next day payout
  • • Loans for bad credit borrowers available
  • • Straightforward online application

Cons of Same Day Cash Advance Loans

  • • Interest up to 35.99%.

Click Here to Get Cash Advance Loans Through Green Dollar Loans >

What Are Online Cash Advance Loans & How Do They Work?

Getting a loan from a traditional lender can be a stressful experience. There are many things that you need to consider, and the process can be long and time-consuming. However, getting cash advance loans doesn't have to be. With an online loan-finder, you can find the right cash advance loans online for you in minutes. Don't waste time filling out multiple forms with lenders. Instead, you fill out one form, and the loan-finder does the rest, matching with a suitable lender most likely to approve your loan request. Most approved advance cash loans are paid out in 60 minutes, depending on the lender you're matched with.

When applying for cash advance loans for bad credit, the interest rates can be as high as 35.99%. However, if you apply for a loan through an emergency loan finder, the interest rates can also be as low as 5.99%. The rate you are offered will depend on your credit history, income, and other factors. The lender will present you with the rates and terms of the loan, but you are not obligated to accept it. Loan findings providing this service are completely free to the borrower.

How to Apply for Instant Cash Advance Loans

To apply for online cash advance loans, simply follow the steps below:

Step 1: Choose the Required Loan Amount & Term

Use the website’s sliders and drop-down menus to choose the amount you need to borrow, between $100 and $5000. Also, choose the terms you require between 3 and 24 months. 

Step 2: Complete the Application for Cash Advance Loans Online

Loan-finders provide quick and easy loan application processes. You will find an easy cash advance loans application form on the loan finder’s website. Follow the prompts to complete the form. Data required from all borrowers include: full name and ID, address, banking information, employment particulars, and a list of your monthly expenses. Make sure that you have your supporting documents with you too. This includes proof of address, ID, bank statements, and pay slips.

Step 3: Wait Two Minutes for a Decision 

Wait two minutes to receive feedback on your cash advance loans bad credit application. Lenders on the loan finder’s panel indicate if they can assist a borrower or not within a few minutes. If a lender can provide cash advance loans as required, you will be transferred to their site to complete the loan setup. Remember that loan finders are not lenders and, therefore, have no say in the outcome of your loan application. 

Step 4: Get Your Loan 

During the process of setting up your loan and finalizing all the terms and conditions, the lender will send you a loan agreement to read through. Only sign the contract and send it back to the lender if you are comfortable with its content. Once the loan agreement is received, you can expect the cash transferred to you within an hour.

Features and Factors to Consider When Applying for Cash Advance Loans Bad Credit

Costs of Cash Advance Loans For Bad Credit

Each of our editor's top pick loan finders offer interest rates of 5.99% to 35.99%. Keep in mind that some lenders have hidden fees that you should ask about. These include late and missed payment penalties and fees charged when borrowers wish to settle their loan accounts early.

Loan Amounts and Repayment Options of Cash Advance Loans Online No Credit Checks

Having options is important, and you will get many options to choose from when looking for cash in advance loans. On most loan-finder sites, the amounts range from $100 to $5000 with 3 to 24 months to repay. 

Lender Reputation Of Cash Advance Loans Near Me

Loan finders are committed to working with lenders that are fair, transparent, and reputable lender. If you use a loan-finder, you will have access to a panel of well-reputed lenders with excellent reputations in the industry.  It’s important to ensure that you’re not getting yourself into a financial commitment with a fly-by-night lender where you may be treated unfairly. 


Gone are the days of standing in queues, making phone calls, or faxing documents. Nowadays, getting a loan is quick and easy with an online application. The application process is absolutely simple and can be completed in a matter of minutes. No one wants to spend hours trying to process a loan application, and with a loan finder service, you can shorten the process exponentially. 

How We Selected Our Top Pick of Providers of Cash Advance Payday Loans

When deciding which loan-finder services to feature as our top pick of cash advance loans online providers, we looked for the following in the viable lenders:

  • • A straightforward online application process that can be completed in the shortest space of time.
  • • Fast turnaround on loan applications, ensuring borrowers aren’t kept waiting around for feedback or next steps.  
  • • Fastest possible payouts on approved loans. We specifically looked for lenders offering 60-minute or same day payouts. 
  • • Varied loan amounts and terms to suit all budgets.
  • • Interest that starts as low as 5.99% and doesn’t go higher than 35.99%. 
  • • Easy eligibility criteria to meet.


Advance cash loans are short-term, small-dollar, high-interest, and unsecured loans that are designed to help people get through a financial difficulty and get repaid quickly. Whether you need a $100, $500, $1000, $2000, $3000, $4000, or $5000 loan, an emergency loan-finder site can help you find the financing you need. We found that there are at least five viable loan finder sites available to assist borrowers of all backgrounds, and it’s these five that made it onto our editor’s top pick!


What Are the Requirements to Get Cash Advance Loans that Pay Out on the Same Day?

If you want advance cash loans that pay out within hours or on the same day, you need to put your application in as early as possible. Then, make sure that you have all the required supporting documents ready.  In order to process your loan application quickly, you must have the following documents on hand: your ID, proof of address, banking information, and your latest bank statements or tax returns. 

Can I Apply for Advance Cash Loans No Credit Check?

Unfortunately, you cannot because online cash advance loans no credit check don’t exist. That’s because cash advance loans with no credit check go against the lending regulations in place in the USA. Each borrower must have a credit check carried out on them. But, while online cash advance loans no credit check aren’t possible due to regulatory compliance, bad credit borrowers can still get the cash they need by applying for cash advance loans for bad credit via a loan finder site.

Are Instant Cash Advance Loans Available?

If you’re looking for instant cash advance loans, you need cash in a hurry. While no loans are genuinely instant because checks do apply, many can be concluded within 60 minutes.

Disclaimer: The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only.

Disclaimer: This article is published in association Payday Ventures and not created by TNM Editorial. Please do your own research before applying for loans from the above services and seek independent legal/financial advice if you are unsure.