Cash Advance

Can you get a cash advance online?

Whether you're relocating on short notice, need help covering a home repair, or your car has finally given up the ghost—we all end up a little short on cash from time to time.

Even the most solid budget can fall apart if you have to pay for something unexpected, and it can be tempting to use your credit card to get cash into your bank account quickly. 

If that time comes, it's good to know where to get a quick cash advance online.

Online cash advances are quick, convenient, and—when you partner with LendUp—affordable.

In this guide, we'll show you what to expect from a cash advance, and how to make it a part of your emergency expense management plan.

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Get a Cash Advance Online: How it works

Gone are the days when you would make an appointment, trek down to your nearest cash loan store to fill out an application, and wait for hours—or days—to find out if you'd been approved. The cash advance system has gone digital—and here's how it works:

Step 1. Gather your information

Since most of the information needed for a cash advance online is probably already at your fingertips, you may not even need to complete this step. But, for the sake of convenience, you may want to get your documents lined up:

  • Personal ID: proof that you are 18 years old or over
  • An active contact phone number
  • A residential address
  • A valid email address
  • A checking account that accepts electronic bank transfers

You will be also asked to confirm your employment status and details. If you can't provide these details, we may need to confirm other sources of recurring income that show you can repay your cash advance. You'll want to have this information on hand when you start your cash advance application.

Quick tip: Don't let past credit struggles stop you from applying for a cash advance online. At you can request a loan even with bad credit, or no credit at all and get an immediate decision on cash advances.

Step 2. Complete your online cash advance request

Now that you've gathered your information, a few quick clicks will take you through to's secure lending request form. Here, you can follow the prompts to enter your qualifying information.

We know that applying for even a small cash advance can be daunting, so we've made our process easier. Here's what you'll need to provide:

  • Your contact details: address, email, and phone number
  • Proof of ID: you'll need to show that you are at least 18 years of age
  • Social Security number
  • Recent pay stubs, proof of employment, or other proof of consistent income
  • Your checking account information
  • A device to access our online application portal—like your phone, tablet, or laptop

You'll also need to reside in one of the states where cash advances are legal.

Step 3. Choose your loan amount and payment options.

As part of our commitment to responsible lending and our desire to help with your short-term cash needs and support your long-term financial success, lets you choose from a few manageable loan amounts. 

Once you've selected your loan amount, you'll also be given the option (if your state supports it) to receive the loan faster. In some cases, the lender may be able to transfer your loan to your account on the same day.

*Transfer speeds vary from state to state and depend on different factors. Funds are made available depending upon processing times by your bank, regardless of how fast and the lender process the loan request.

Step 4. Receive immediate decision on approval

With 99% of online cash advance requests are reviewed within minutes—which means ultra-fast approvals and no long, stressful wait times for our clients.

You will get an immediate notification to let you know if your loan request has been approved, and the estimated processing time until you have access to that much needed cash in hand.

Get a Cash Advance online: FAQs

What is a cash advance?

A cash advance—sometimes known as a payday advance or payday loan—is a temporary fix to a short-term cash flow issue. Unlike a payday advance or payday loan, though, cash advances aren't always repaid in full on payday.

Like a personal loan, you apply for money through a lender, and if you get it, the money goes into your checking account. 

Cash advance loans are typically small.

How is a cash advance online different from a cash advance on my credit card?

Using your credit card for a cash advance is risky—and expensive. Credit card providers treat cash advances differently than they do purchases made using that card. For you, that means extra fees and a higher interest rate.

An online cash advance, on the other hand, operates independently of your credit card. Your lender will let you know the fees and interest rates up-front, and they're generally lower than if you hit an ATM with your credit card.

How can a company provide a cash advance online? has developed a robust system for processing cash advance requests online through our secure site. Once your application is approved by one of the lenders we work with, your checking account gets funded electronically. Easy.

Can I spend my online cash advance on anything I want?

There is no limitations on how you use your cash advance once the lender has approved your loan application. The money is yours. We do encourage responsible borrowing, and would like to support you in building your financial education through our online resources.

What do I need to get a cash advance loan online?

You will need to complete the 5-minute online requesting process, and provide the information we've listed up here. You will also need to live in one of the states where cash advances or alternatives are not prohibited.

Can I get a cash advance online loan if I have bad credit? cannot guarantee lending approval sine we are not a direct lender, but our lenders' qualifying criteria on a cash advance loan are influenced more by a client's income than credit score.

Do online cash advances require a FICO credit check?

Not always. FICO credit checks are not required by the lender most of the time. The direct online lenders we work with typically utilize soft credit checks through alternative credit bureaus in order to protect clients' FICO credit scores. Is an online cash advance safe?

At, we believe so. We utilize the latest in encryption technology to protect your information online, and offer a secure loan request processing. We have a commitment to keep your information secure. An online cash advance is also safer than a traditional cash advance thanks to the more competitive, affordable repayment terms.