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Allied Cash Advance short-term loans review

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Explore three different options for residents of 20+ states.

With three different options available, Allied Cash Advance may be able to quickly get you a short-term loan that suits your needs. But the fees can be high and borrower reviews aren’t great.


Min. Amount


Max. Amount

Same-day in stores, 1 business day online

Turnaround time


Product NameAllied Cash Advance short-term loans
Min. Amount$50
Max. Amount$5,000
Loan TermVaries
Loan SecurityUnsecured
Turnaround TimeSame-day in stores, 1 business day online
RequirementsBank account, government-issued ID, steady source of income, US citizen or permanent resident, age of majority

What is Allied Cash Advance?

Allied Cash Advance is both a lender and a connection service that offers payday loans, installment loans and lines of credit. Depending on your state, you may be able to borrow anywhere from $50 to $5,000.

It doesn’t list interest rates, fees or loan terms on its website. However, most short-term loans come with APRs in the triple digits. And payday loans are typically required to be paid back in two to four weeks, while installment loans usually have terms lasting a few months.

If you apply at a storefront, Allied Cash Advance will process your loan application and you can typically get your funds the same day. But if you choose to apply online, you’ll be borrowing from its partner lender, Check ‘N Go — and won’t receive your funds until the next business day.

What states is Allied Cash Advance available in?

Allied Cash Advance has branches in five states and acts as a connection service for online loans in 20 more.

What are the benefits of a short-term loan from Allied Cash Advance?

Allied Cash Advance offers a few benefits:

  • Multiple loan options. Payday loans, installment loans and lines of credit are available — though options vary depending on where you live.
  • Member of the CFSA and OLA. Allied Cash Advance is a member of both the Community Financial Services Association of America (CFSA) and the Online Lenders Alliance (OLA), which outline best practices online lenders and connection services should follow.
  • Application won’t show up on your credit report. You don’t need to worry about your credit score taking a hit when you apply.
  • Refer-a-Friend bonus. Every Friday, Allied Cash Advance randomly draws a winner for a $500 bonus based on the number of people you refer who take out a loan.

What to watch out for

Allied Cash Advance may be convenient, but it falls short in a few ways:

  • Limited branch locations. Allied Cash Advance only has branches in five states: Arizona, California, Indiana, Michigan and Virginia. However, it also acts as an online connection service in 20 others.
  • Doesn’t process online loans. Though you can take out a loan directly from Allied Cash Advance at one of its storefronts, its online loans are processed by its partner lender Check ‘N Go.
  • Limited details. Allied Cash Advance’s website doesn’t provide any specific details on the interest rates, fees or terms of its loans.
  • Government action. In 2017, Virginia pursued action against Allied Cash Advance, accusing it of offering unlicensed loans and violating Virginia consumer finance statutes. As of May 2019, there has yet to be a resolution.

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Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
Fast5kLoans Short-term Loans Connection Service
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Check Into Cash Payday Loan
1 to 2 business days
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Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
OppLoans Installment Loans
1 business day
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Comes with the option to change your due date so you won’t fall behind on repayments.
LendYou Short-term Loans
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Possible Finance Mobile Installment Loans
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.

Compare up to 4 providers

Is it safe to apply with Allied Cash Advance?

In general, yes — though no online company can ensure your information stays completely secure. Allied Cash Advance does its part by encrypting any data you enter on its website. However, because it sometimes acts as a loan connection service, your personal information may be shared with its affiliates. To limit this sharing, you can find an opt-out form in the privacy notice on its website and mail it to its Ohio headquarters.

What do borrowers say about Allied Cash Advance?

Not much as of May 2019, but what’s there is largely negative. While Allied Cash Advance receives a B rating from the Better Business Bureau (BBB), it isn’t accredited and has over 40 complaints. The majority of borrowers were upset with the high fees and poor customer service — not uncommon for lenders in the short-term loans space.

Am I eligible?

To qualify for a short-term loan from Allied Cash Advance, you’ll need to meet the following criteria:

  • Bank account
  • Regular source of income
  • Government-issued ID
  • US citizen or permanent resident
  • Age of majority in your state

How do I apply?

Depending on your state of residence, you can choose to apply online or at a storefront. If you choose to visit a branch, you may be able to receive your funds the same day you apply.

Want to apply online? Remember that Allied Cash Advance won’t be your lender, but will instead connect you to its partner lender Check ‘N Go. Follow these steps to get started:

  1. Visit Allied Cash Advance’s website and click Apply Now.
  2. Create an account by entering your full name, email, password and security question.
  3. Enter your personal information, including your address, ID number and Social Security number.
  4. Select the loan option available in your state.
  5. Enter information about your income and details about your bank account.
  6. Read and agree to its consent and arbitration agreements. Click Submit.

Your information will then be forwarded on to Check ‘N Go to see if you qualify. If approved, you’ll be asked to verify your application and sign your loan documents. You can typically expect to receive your funds in your bank account the following business day.

What documents do I need to apply?

In addition to a working phone number and valid email address, you’ll need:

  • A valid government-issued ID
  • Proof of a checking account
  • Proof of income
  • Proof of a Social Security number

I got a short-term loan. Now what?

Once you’ve received your loan funds, it’s time to think about repayments. Your loan contract should outline the interest and fees you’ll be charged, as well as your loan term and payment due date. If you’re unable to make a payment, contact Allied Cash Advance or Check ‘N Go as soon as possible. Otherwise, you may face late or returned check fees.

Bottom line

Allied Cash Advance stands apart by offering both payday and installment loans directly and through its partner lender, Check ‘N Go. But its not the most transparent about rates, fees and terms. And it’s had some legal issues in the past.

Before you commit, compare your other short-term loan options. Or consider one of these less-expensive payday loan alternatives instead.

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  1. Default Gravatar
    December 8, 2019

    If I live in Maryland can I apply for loan in VA

    • Avatarfinder Customer Care
      December 10, 2019

      Hi Eva,

      Thanks for your comment and I hope you are doing well.

      Getting a loan in a different state depends on your situation. As it says on this page, you won’t be able to visit a nearby state to get a payday loan, even if they’re legal in both states. This is because payday loan laws differ from state to state. Lenders are required to lend only to people in states they are licensed in, and people from a different state are prohibited from borrowing.

      However, if you’re a permanent resident of a state where payday lending is legal but are temporarily living in another state, you may still be able to get a loan. Your lender will likely require more documentation to prove your address, and you may be limited to a selection of online lenders.

      You can find more information about getting a loan in a different state from that page as well. As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps and feel free to reach out to us again for further assistance.


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