Fast Loan Advance Cash Advance Loans, Repaid Over Time
Cover the gap until payday without the payday loan trap. Get cash upfront and repay it in fixed monthly installments over at least 91 days.
- Borrow $200 to $2,500
- Checking your rate won't affect your credit score
- Funds as soon as the next business day
Fact-checked by the Fast Loan Advance Editorial Team. Updated October 17, 2026.
What is a cash advance loan?
A cash advance loan gives you the full amount upfront to cover bills that come due before your paycheck. Instead of repaying it all on your next payday, you repay it in equal monthly payments over 3 to 24 months.
That structure is the key difference from a payday loan, which is usually due in full within two to four weeks and often carries an APR near 400%. Our cash advance loans are capped at 35.99% APR.
Pros and things to know
Why borrowers choose it
- No lump-sum payday repayment
- APR capped at 35.99%
- No card or ATM fees
- Fixed payoff date
Good to know
- Smaller maximum amount of $2,500
- Minimum term of 91 days
- Origination fee may apply
What a cash advance loan costs
Representative examples, each including a 5% origination fee added to the loan balance.
| Example | $300 | $600 | $1,500 |
|---|---|---|---|
| APR | 35.99% | 29.99% | 24.99% |
| Term | 3 months | 6 months | 12 months |
| Origination fee | $15.00 | $30.00 | $75.00 |
| Monthly payment | $111.36 | $114.37 | $149.69 |
| Total of payments | $334.08 | $686.24 | $1,796.24 |
Examples are for illustration. Your APR, fees and term depend on your credit, income and state, and appear in your loan agreement before you sign.
Cash Advance Loans payment calculator
Adjust the amount, term and APR to estimate your monthly payment.
Estimates exclude origination fees.
- Number of payments
- 6
- Total interest
- $53.56
- Total repaid
- $653.56
How it compares
| Feature | Cash advance loan | Payday loan | Card cash advance |
|---|---|---|---|
| Repayment | Fixed monthly | Lump sum on payday | Revolving |
| Typical APR | Up to 35.99% | Around 400% | 25% to 30% |
| Term | 3 to 24 months | 2 to 4 weeks | No set end |
| Fees | Possible origination fee | $10 to $30 per $100 | 3% to 5% plus ATM fee |
Typical industry figures for comparison. Related guide: Cash advance loan vs. payday loan: which costs less?.
How to get a cash advance loan
- Check your optionsComplete the 2-minute request. It uses a soft credit check.
- Review your offerSee your APR, payment and total cost before you commit.
- Get your fundsSign online and receive money as soon as the next business day.
Cash Advance Loans FAQ
Is a Fast Loan Advance cash advance a payday loan?
No. It's an installment loan repaid in fixed monthly payments over 3 to 24 months, with APRs up to 35.99%. Payday loans are due in full on your next payday.
How much can I get with a cash advance loan?
Cash advance loans range from $200 to $2,500.
Do I need a credit card for a cash advance loan?
No. Unlike a credit card cash advance, you don't need a card. Funds go straight into your checking account.
How quickly will I receive my cash advance?
Approved funds are deposited as soon as the next business day after you sign your agreement.
Can I repay my cash advance loan early?
Yes, at any time and with no prepayment penalty.
Explore other loan options
See your loan options in about 2 minutes
Requests are free and checking your rate won't affect your credit score.