When you need money fast, MoneyMutual specializes in connecting borrowers with short-term lenders that offer secure, quick, and convenient cash advances online. Even if you’ve been rejected for a loan with your bank, you have options. Don’t give up hope, you may still be eligible for a cash advance obtained through MoneyMutual’s marketplace of lenders.

We’ll get to “the how” in a moment, but first, let’s clear up some confusion. The term “cash advance” is an umbrella term that can be used to mean many things. Each of the phrases below can all be used interchangeably with ‘cash advance’:

  • Credit Card Cash Advance: This is the type of cash advance you can get from an ATM when you insert your credit card. Credit card companies that offer cash advances usually have a relatively low limit on how much money you can access, and charge high interest, so watch out!
  • Paycheck Advance: In some cases, employees can get a paycheck advance from their employer. This means accessing money from your paycheck, before your paycheck hits the account. When it comes time to get paid, your paycheck will reflect a difference of the amount owed.
  • Payday Loans: Paycheck advances are a rarity, due to the difficult nature of working the advance out with payroll and accounting. More often, people who need to access funds quickly will opt for a payday loan. This is a type of short-term loan where money is exchanged for a post-dated electronic transaction that allows the lender to recoup the funds owed, directly from the borrower’s bank account, on the date of the borrower’s next paycheck. MoneyMutual provides borrowers looking for a cash advance with access to lenders who may be able to provide this type of loan.
  • Cash Advance Installment Loan: If you require more of an advance than you can pay back in one paycheck, you may be in the market for a cash advance installment loan. This is an advance that allows the borrower to access funds quickly, but pay it back over time in agreed upon installments. MoneyMutual’s marketplace provides access to lenders that provide cash advance installment loans, if that’s what you need.
  • Business Cash Advance: For those who are entrepreneurs or are already business owners, a business cash advance may be an option to inject cash to help jump start or pay for an unexpected business emergency.

Now that we’ve covered what a cash advance is, let’s talk about how visiting MoneyMutual might help you in your search to get one, no matter what your credit situation looks like.

Can I get a cash advance without perfect credit?

Your credit score is just a number—that is until you need money only to find your bank won’t lend to you. Sound familiar? At MoneyMutual, people just like you are able to find a variety of lenders who specialize in helping people with low credit scores.

If you are 18 years or older, have a predictable, steady income that’s at least $800 a month, and have a bank account, you may qualify for a cash advance with a lender by using MoneyMutual’s marketplace. Our job is to make the process fast, simple, secure and as painless as possible for you, the borrower. When you submit your information at MoneyMutual’s website, you get a lender decision in real time. If a lender chooses to work with you, you’ll immediately be taken to their website to apply for a loan with that lende, and review the terms and conditions of your offer. The whole process can be done in minutes—good credit not required!

Remember to carefully review the terms and conditions offered by your lender as every loan offer is different. Simply submitting your information to a lender via Money Mutual’s lender portal, does not mean you have to apply for a loan with that lender or accept the terms offered. If you do choose to move forward with a loan, however, it’s possible that you’ll have access to your funds in as little as 24 hours.*

How to get a cash advance online

A cash advance from a short-term lender can be quick and easy, and is often a positive option compared to the alternative—bounced checks and finance charges. Finding a lender is simple, and can be done in the privacy of your own home, with the easy to use marketplace at MoneyMutual’s website.

Simply follow these four steps to getting an online cash advance:

  • Fill out your information on MoneyMutual.com and submit.
  • If a lender would like to work with you, that A lender will return an offer in real-time, and can be as fast as just a few moments.
  • If you like what you see, you’ll be redirected to apply for a loan and work with the lender on their website.
  • Once you have reviewed and accepted the terms of your cash advance loan has been accepted, funds could be deposited into your checking or savings account by your lender in as little as 24 hours.*

At MoneyMutual, we understand sometimes life throws you a curveball. Getting a cash advance may be the only viable option for many borrowers who need money fast. Make sure you read over the terms and conditions of your cash advance and understand how it works so you can use it responsibly.

What are cash advance installment loans?

One option that could be available when you use MoneyMutual’s online marketplace is a cash advance installment loan. This differs from other short-term loans because you pay it back over a few installments, instead of in one lump sum. If you need money fast, but the expense you are covering is greater than you can afford in a single paycheck, this may be the right loan for you.

Let’s say you need to access $900 to pay for a medical expense. A cash advance installment loan to cover the $900 expense might be paid back over three pay periods, instead of just one. It’s like a standard payday loan in that you get to access funds quickly in exchange for letting the lender schedule transactions to return the funds at a later date. However, instead of scheduling one transaction for pay back, the lender might break it up into multiple transactions, all of which fall in line with your pay schedule, to ease the financial burden of paying it back.

The length of this short-term installment loan will be agreed upon between you and your lender. As with any loan you are able to find by using the MoneyMutual marketplace, please remember that we do not have a hand in the lending or collection process. It’s important you review the terms of your loan carefully to ensure you clearly understand the repayment schedule, due dates, finance charges, and any other fees you’ll be responsible for.

Do I qualify for bad credit cash advances?

Life happens. At MoneyMutual, we make it easy for borrower’s just like you to access lenders who may be able to provide you with the funds you need to cover unexpected life events and emergencies. We work with a diverse group of lenders willing to work with people all over the credit score spectrum; so bad credit won’t necessarily keep you from accessing money, fast and securely.

If you’re reading this, you may be wondering, “Do I qualify for a cash advance?” Perhaps you’re concerned about your credit score, or you’ve recently felt the painful tinge of loan rejection from your bank or other financial institution? The good news is, while lender requirements vary, many lenders follow these easy to meet qualifications:

  • Must be a U.S. citizen, 18 years of age or older
  • Must have evidence of employment or another reliable income source
  • Must make more than $800 each month in income
  • Have an active checking account
  • Other lender requirements may apply

While these are excellent guidelines, the only way to find out if you qualify with a lender for sure is to get started with MoneyMutual’s free online marketplace today. So, what are you waiting for? Get a fast, secure cash advance in the privacy of your home, when you choose MoneyMutual.

You can get started now!

Our simple form takes five minutes to complete and you could have the money you need from a lender in as little as 24 hours*

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