FREQUENTLY ASKED QUESTIONS
What is cash advance?
A cash advance (also called a payday loan) is a short-term financial loan without the long-term obligation. It is a quick, easy and confidential way to get some cash.
How do I qualify for a payday loan?
How much of a payday loan can I get?
In Michigan, you will be able to apply for a payday loan from as little as $25.00 to anywhere up to $600.00 based on your income. The amount that you will be approved for will be determined by the information you provide Instant Cash & Access 2 Cash.
What types of fees are applicable and how much are they?
Can I still get a payday loan if I have bad credit?
How soon can I receive my payday loan?
How do I repay my payday loan?
Is my payday loan secure and confidential?
How is my re-payment due date calculated?
Typically, all cash advances are due on your next payday, based on your income.
Can I pay my loan back early?
After my existing payday loan is paid, how soon after can I apply for another payday loan?
You can apply for a payday loan the same day.
Why choose a payday loan over other alternatives?
Are there any application or processing fees?
There are no application or processing fees. Our State Michigan regulated fee is the only charge you will have and first advances will get up to $29 off.
Instant Cash and Access 2 Cash want you to be treated fairly throughout the entire payday loan process. All stores are licensed in the State of Michigan. Additionally, as a member of the CFSA we abide by responsible industry practices that ensure customers understand the cost and risk of short-term payday loans to facilitate the best financial decisions. Should you have any questions, complaints, or concerns, please contact us toll-free at 855-252-4244. The Community Financial Services Association of America (CFSA) was established in 1999 as the national organization for small dollar, short-term lending or payday loans. The CFSA works to promote laws and regulations that balance strong consumer protections while preserving access to short-term credit for millions of Americans.
CUSTOMER NOTICE: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.