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Frequently Asked Questions


What is a Cash Advance (also known as a Payday Loan)?

A cash advance/payday loan is a convenient way to meet short-term financial needs when unexpected expenses arise.  These loans are based on a percentage of your pay and are typically due on your next payday.  It’s a quick and easy process.  You write a personal check for the loan amount plus a fee, we cash the check and hold it until your payday.

How much can I borrow?

Cash advances can range from $50 to $500.

What do I need to qualify?

Advance U Cash is committed to responsible lending, and a simple and easy process. We require steady employment, an established checking account, and valid forms of ID.

What do I need to bring?

* Most recent pay stub or other proof of income

* Most recent 30 day checking account statement

* 2 forms of ID (driver’s license, and social security card)

*  A personal check or we can print one for you

How long does it take?

We can typically process your transaction in about 10-15 minutes.  You can save time by completing the full application online.  We will be happy to print it for you.

Do I need to have checks?

You can bring your personal check, or we can print one for you

What if I don’t have my bank statement?

If you have online banking, just let us know and we can assist you in printing out your most recent statement, or you can visit a branch to obtain a copy.

How much will it cost?

Our fees are in accordance with Kentucky state and federal laws.  A typical fee for a cash advance/payday loan is $17.64 per $100.00 borrowed plus a $1.00 state fee.  This results in a standard APR of 485.97%  Please see our detailed fee schedule.

What is your Fee Schedule?

Click HERE to see the Fee Schedule

What is the difference between online and in-store payday loans?

The Kentucky Department of Financial Institutions does not license online lenders.  To ensure your privacy and satisfaction, visit a physical store in the state of Kentucky such as Advance U Cash, where you will receive quality service and same day cash.

What if my payday is monthly?

Advance U Cash customer service representatives will work with you to get the right due date.