American Cash Advance: A Guide to Fast, Convenient Short-Term Loans

American Cash Advance may serve as a saviour when a rude shock clobbers you down- car repairs, hospital bills or utility bills you have lost track of. This Missouri-based lender, formerly and technically known as America's Cash Advance (a division of 391 Financial Inc.), was founded in 1999, and provides easy, fast and uncomplicated short-term loans online and through branch locations all over the State of Missouri. So, how does it work, what are your options when it comes to loaning it, what does it cost, and what do you have to know before doing it?

What Is American Cash Advance?

The instant lender is American Cash Advance, located at americascashadvanceinc.com. This implies that you will borrow directly from them, saving you high fees charged by the intermediaries. This is because helping customers has been their mission since 1999, and they are formally licensed in the state of Missouri as 510-20-5592 under the License Number and in Texas as OCCC License Number 1900065009-163134. They provide ten different types of loans, such as: 

• Payday loans- these are payday loans that have an increased interest rate 

• Instalment loans can be taken between 120 days and up to a year 

• Personal loans- this is a loan that can be utilized at that time. 

• Online payday loans at Quick Cash Zone range from $100 to $1,200.

 They make it clear that they will never demand any form of fees to process or approve your loan.

How Quick Cash Really Works

In just three steps, you can get approved and funded:

1. Apply online — Fill out your name, email, phone, amount, and state.

2. Sign your documents — Receive and electronically sign your paperwork.

3. Bank verification and deposit — On approval, funds land in your account—often the same day—with a follow-up call within 15 minutes..

Qualifying requires:

• U.S. citizenship or green card

• At least 18 years old

• Active checking account

• Steady income 

Loan Types and Repayment

Installment Loans

• Borrow up to $1,200

• Terms from 120 days to 1 yea

• Ideal for manageable, scheduled repayments Payday Loans

• Typically repaid in one lump sum or a short-term series of payments

• Commonly used when you just need a few hundred dollars quickly

Flexible Repayment

• Schedules matched to your payday—weekly, bi-weekly, semi-monthly, or monthly 

• Early payoff allowed with no penalty

Repeat Borrowing

• Once a loan is paid off and your account is in good standing, you can reapply—often immediately 

• Stats show 7 out of 10 borrowers repay on time (around 5 months), while 1 in 10 renew 1–4 times 

Why Choose American Cash Advance?

1. Speed & Convenience

• Online or branch-based applications

• Funds often available same day

• Transparent fee structure

• Immediate feedback after applying americascashadvanceinc.com

2. Accessibility

• No traditional credit checks—uses Clarity, DataX, FactorTrust, Teletrack, and Decision Logic to verify income and bank data Bad credit or bankruptcy? You may still qualify

3. Secure & Regulated

• State-licensed in Missouri and Texas, with oversight from Missouri authorities and Texas OCCC 

• No hidden fees—up-front transparency

4. Flexible Repayment

• Terms matched to your income schedule

• Early payoff option

• No prepayment penalties 

Considerations & Cautions

While American Cash Advance provides valuable financial access, users should proceed with caution:

• APR and fees are high, making these loans suitable only for short-term needs with tight repayment plans.
  
  

• Renewals compound costs—taking longer to repay could increase total repayment significantly.

• Understand your state’s legal limits on payday lending before borrowing.

Who Is It For?

American Cash Advance fits individuals with:

• Immediate, small-dollar needs ($100–$1,200)

• Checking account and steady income

• Poor or no credit history

• Urgent expenses (medical, auto, rent)

• A plan to repay swiftly—within weeks or a few months

How to Apply: Quick Tips

1. Gather info: ID, bank statements, proof of income.
   
   

2. Apply online or at a Missouri branch:

• Charleston, Caruthersville, Fulton, Brookfield 

3. Read full fee schedules before signing.

4. Set up reminders or automatic ACH payments to avoid late fees.

5. Early payoff? Contact them—no extra cost.

Frequently Asked Questions

Can I borrow again after paying off?
Yes—once your final payment clears and your account is in good standing, you can refinance or apply for a larger loan.

Do they check credit?
They skip traditional credit bureau checks. Instead, they verify income and banking history with Clarity and others.

Are there upfront fees?
No. Fees are part of the loan terms and disclosed upfront—application is fee-free.

What if I miss a payment?
Expect returned payment fees (~$30) and a late fee of $7.50 or 5% after 10 days. They may contact you for resolution.

Final Word

American Cash Advance gives you quick and easy access to short-term money, with clear terms and honest pricing. It's great for emergencies when you know you can pay it back fast. But remember, these loans aren't meant for long-term use. Plan your budget carefully, only borrow what you need, and make payments on time.

For More Information

• Check the Fees page for full details on costs.

• Look at the FAQ for helpful tips and guidance on getting a loan.

• Call customer service at 877‑689‑7747 or send an email for assistance.

Understanding how American Cash Advance works can help you make better choices when facing short-term money problems.

With good planning, this service can be a useful backup option—just use it carefully and responsibly.