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Perfect Cash Advance Answers Your Frequently Asked Questions

What is a cash advance?
A cash advance is a loan that is collateralized against your future source of income (usually your paycheck) that is intended to help you out through a temporary loss of cash or an unforeseen expense. Cash advances are growing as the preferred method of paying for bills and other expenses because they are easy to obtain and are a great alternative to costly late fees, disconnect/reconnect fees and other charges that creditors can levy against your account.

What are your qualification requirements?
Qualifications will likely vary from lender to lender. Many lenders require that: (1) you have a job or a steady source of income such as an annuity or social security check; (2) you are at least 18 years of age; (3) your bank account has direct deposit enabled. If you said yes to all of these, then may already be qualified - make sure to speak to your chosen lender about the specifics before you commit to a loan!

How big will my cash advance be?
This will also vary from lender to lender, but the information they use to determine the amount is the same information you provide on our form. Lenders will make decisions based off a variety of factors, so it's in your best interest to be honest while you're filling out the form in order to ensure a timely and favorable response.

How long does it take to get approved?
Again, this will have to do with the lender's internal policies. Most lenders will generate an approval shortly after you apply, but it may take longer depending on a variety of facotrs. Please be patient!

How long does it take to get my cash advance after I've been approved?
The funds will be wired to your account on the next available business day if you are approved.

Do I need to have direct deposit?
Yes. Direct deposit ensures that you receive your funds as quickly as possible and that we are able to receive your repayment amount.

Is submitting my application online safe?
Absolutely. Perfect Cash Advance goes through a lot of trouble to make sure your personal information is kept safe when transmitting and processing your form. For more information about this and other security features, please visit our Security & Privacy page.

And if I can't repay my loan back in full on that date?
Our lenders have thought of that too! Most have a variety of options for individuals that have trouble backing back their full loan amount in one payment. Individual lender preferences will vary, but yours may offer:

1. You can pay the loan amount (principal) back less the finance fee.*
2. You can pay the finance fee and a portion of the loan amount (principal).*
3. You can pay the finance fee only.*

*In each of these situations additional terms and conditions may apply, including but not limited to the establishment of a new loan (also known as "rolling over the balance") and/or entry into a new loan agreement. Please speak to the loan officer in charge of your account or another qualified financial professional before making any decision with respect to this or any other loan.