Allied Cash Advance short-term loans review

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.

Compare more short-term loans

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Name Product Filter Values Loan amount Turnaround time Requirements
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$500 to $4,000
1 business day
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Comes with the option to change your due date so you won’t fall behind on repayments.
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
Get a fair loan designed for immigrants and nonresidents.
CashNetUSA Loan
Varies by state
As fast as same business day
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Fast5kLoans Short-term Loans Connection Service
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Get connected with multiple lenders you might qualify with — even if you have bad credit.

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.

Frequently asked questions

How can I get in touch with Allied Cash Advance?

For general questions, you can call its helpline at 800-528-1974 Monday through Friday from 8 a.m. to 8 p.m. ET or on Saturdays from 9 a.m. to 4 p.m. ET. You can also fill out an email form by visiting the Contact page on its website.

How does the Refer-a-Friend program work?

When you refer a friend to Allied Cash Advance and they take out a loan, you’ll be entered to win $500. To refer someone, visit the Refer-a-Friend page on Allied’s website and enter your store number, email address and your friends’ email addresses. If you win, you’ll be notified by email.

How does a loan connection service work?

When you apply for an online loan through Allied Cash Advance, your information will be shared with its partner lender, Check ‘N Go. If you qualify, Check ‘N Go will process your application and disburse your loan. And that’s who you’ll make repayments to as well.

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    Default Gravatar
    December 8, 2019

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

      Default Gravatar
      December 10, 2019

      Hi Eva,

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

      Generally, you cannot get a payday loan in another state as lenders are required to lend only to people in states they are licensed in.

      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, or if you are planning to move to that state, you may still be able to get a loan. In such cases, the lender will likely require more documentation to prove your address.

      As a friendly reminder, carefully review the eligibility criteria as well as the terms and conditions of the loan before applying to increase your chances of approval.

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


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