How It Works

Have Bad Credit? We Can Help When Others Fall Short.
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A Few Easy Steps

Loan Amounts $500 to $5000
Repayment terms 3 to 36 months

Mycashadvanceexpress aims to remove the complexity when Requesting a loan.

Mycashadvanceexpress is an online lender connection service network, connecting and arranging consumers with online payday loan service loan providers. Submitting a loan request for a program offered by one of the service providers in the Mycashadvanceexpress lenders network is simple:

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Get started with your loan process by completing our simple online Loan Request Form.

Applying for a Payday loan, Personal Loan or Small Business Loan though the Mycashadvanceexpress Lenders Network is easy. Just complete our simple online loan request form to find out if you qualify, If your loan request qualifies for a program with one of the lenders in our network, the lender you will be working with will ask you to review and sign a loan agreement. The loan agreement will have the details of the loan including the terms, fees and interest rate chargeable to you under the lender agreement. During this process, we highly encourage you to review our how it works page and our how to calculate a personal loan APR, you can also email ( with any questions.

Basic Qualifications include:

  • Be at least 18 years old.
  • Provide proof of citizenship, such as a Social Security number, or legal residency.
  • Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.
  • Have a checking account in your name.
  • Provide work and home telephone numbers.
  • Provide a valid email address.
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Verification and Connecting Process

Once you've received an approval notice from a lender you will need sign your agreement and send it back to the lender who you will be working with, this lender may need to speak with you to verify your loan request details. We may also require additional third party verification: (i) from your bank; (ii) of your employment; and (iii) of your income details, before your payday loan or personal loan can be approved. Please know that you are never under obligation to accept the loan terms that a lender gives you.

Completion of your Loan Request does not mean approval.

  • Your request form will be presented to multiple lenders
  • Some lenders may perform credit checks
  • If connected, these lenders will communicate loan terms and conditions
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Loan Terms Agreement & Funding Process

Once you've gone through the verification process, and you've been approved for your loan or line of credit, the funds may be deposited into your bank account as early as the next business day*.

* The date and time that funds are deposited in your bank account are subject to the time of your financial institution.

Completing the online request form does not obligate you to accept the money.

  • Choose one of the several offers presented by lenders, or;
  • Decline by responding as such, or ignore the offer
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Repayment Of Your Loan

We work with many different lenders who may offer more than one product, each product may have a different repayment process. Please visit our Rates & Terms calculator page to see how rates and terms work. Many lenders work within a State lending model and are required to follow the state at which you reside in lending laws. Ask the lender you are working with which payday loan or personal loan you may qualify for based on your state of residence. Most lenders also send email payment reminders to their customers.

Online loans provide the funding needed to meet existing obligations or help with new ones. Only borrow what you can afford to repay, you must pay back the new loan with interest and origination fees. is not a lender.

  • This site will submit the information you provide to our network of online lenders
  • The lender who accepts your loan request may compensate the site for the referral

Note: You do not need to have a perfect credit score to be eligible for a loan. Customers with poor credit may still qualify for a loan; however, our lenders do not typically provide loans over $1,000 to bad-credit individuals.

Start Your Loan Requst Now »