Our fees are regulated by the state of Michigan so you have the ability to take out a payday advance as and pay it back according to your payday advance agreement.

† A $0.49 charge is always associated with Michigan payday advances that go directly to the State of Michigan to help regulate the payday advance industry in the State of Michigan.

FeeState Database
Percentage Rate

*The Annual Percentage Rate (APR) calculation in based on a transaction with a 14 day term. Your APR may be different if your transaction term is not 14 days. The APR of your transaction will be disclosed in the Federal Truth In-Lending Statement contained in your contract.​
** A $28.66 Returned Check Fee will be assessed for all Returned Checks

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Instant Cash and Access 2 Cash want you to be treated fairly throughout the entire payday advance 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 advances 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 advances. The CFSA works to promote laws and regulations that balance strong consumer protections while preserving access to short-term credit for millions of Americans. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions.