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.
Many people have trouble paying back their cash advance loans, and rollover is common. In fact, 80 percent of cash advances are rolled over or followed by another loan within 14 days of the first.3 And far too often it doesn’t end there. The loan becomes due and borrowers still can’t pay back the lump sum they owe, so what do they do? They roll it over once more and the cycle starts again.
*You must be 18 years or older, a Florida resident, and you cannot have any outstanding cash advances with Amscot or any other provider. Some restrictions apply. Getting started online by clicking the Get Started Now button does not constitute an online application, to apply you must come into an Amscot branch location. If your check is dishonored a return check fee and non-sufficient funds fees may apply. As a member of CFSA, Amscot abides by the Fair Debt Collection Practices Act, as applicable, to collect past due accounts. Non-payment does not affect your credit score. Amscot does not offer automatic renewals. APR 271.14% to 365.00%. APR example provided is representative range based on a fourteen (14) day hold period with one payment. Amscot is licensed by the Office of Financial Regulation pursuant to Florida law governing Money Service Businesses. 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.
Amelia Josephson Amelia Josephson is a writer passionate about covering financial literacy topics. Her areas of expertise include retirement and home buying. Amelia's work has appeared across the web, including on AOL, CBS News and The Simple Dollar. She holds degrees from Columbia and Oxford. Originally from Alaska, Amelia now calls Brooklyn home.
Hard times fall even on the best of us, and sometimes they fall like dominoes, forcing us to scramble to cover our most basic bills or an emergency situation we never saw coming.  Anything from sudden unemployment to finding yourself with no money, to even have a business opportunity that you can’t pass up on, can cause a crisis that makes an online quick cash loan a major priority. If your credit is less than perfect, that fast loan may be very hard to get from a bank. We can help. We will assess your need once you simply fill out our online form and can match you to one of our many quick loans lending partners, and a loan that is right for you. Looming financial deadlines call for immediate action, so our fast loans will put you on the path to covering that expense and breathing easier.
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In an emergency, coming up with an extra hundred dollars can feel impossible, and for the 26 percent of Americans without any emergency savings, it is impossible — unless they're using fast cash loans. These short-term, small-dollar loans address gaps in your cash flow. If you got sick and took a lot of time off work or had weather-related absences that showed up in the form of a reduced paycheck, paying the bills this month may be more than a struggle. Fast cash loans can help you make up the gap until your financial situation improves.
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