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Summary

No time to waste? Try using this short-term loan connection service.

If you've found yourself short for cash and don't have time to compare lenders, OpenCashAdvance.com could be a solution. It can quickly connect you with a lender that can help you no matter your credit or employment status. But with no reviews online and limited company info, it might not be your first choice.

Details

Product details

Product Name	OpenCashAdvance.com
Min. Amount	$100
Max. Amount	$5,000
Loan Term	Varies by state
Requirements	Be US citizen or permanent resident, be at least 18 years old (varies by state), have an open bank account and have an income of at least $800 per month

What is OpenCashAdvance.com?

OpenCashAdvance.com is a lender connection service that specializes in connecting you with lenders that give offer payday loans — also known as cash advances — of $100 to $500. In addition, you can request an installment loan of up to $5,000. The exact amount you qualify for will depend on your state and ability to repay the loan.
Its services are free to use, and you’ll know if you’ve been connected with a lender shortly after you apply. However, it isn’t available in every state and the lender you’re connected with might run a credit check, which could harm your score.

What are the benefits of using OpenCashAdvance.com?

Member of the OLA. OpenCashAdvance.com is a member of the Online Lenders Alliance (OLA), which has a list of best practices and industry standards that connection services abide by to keep you safe from predatory lenders.
Bad credit OK. Regardless of your credit score or any past bankruptcies, you’re welcome to apply for a loan at OpenCashAdvance.com. It will go through its network of lenders to try and find one that fits with your needs.
Quick turnaround. Once you’ve filled out the application form, OpenCashAdvance.com will get back with you quickly to inform you if you’ve been connected with a lender.
No obligation. Filling out the form doesn’t mean you’re locked into a contract. You choose whether to accept the terms of a loan after you’re connected.

What to watch out for

Limited company information. OpenCashAdvance.com has an about section, but it doesn’t provide much information about the company itself. And with only a phone number and an email form to get in touch, you likely won’t be able to ask for more when you apply.
Not available everywhere. OpenCashAdvance.com doesn’t lend to residents of Arkansas, New York, Pennsylvania, Vermont, Washington or West Virginia. And if it doesn’t have a lender in your state, you won’t be connected.
May check credit. While OpenCashAdvance.com won’t check your credit, some of its partner lenders might. This could lower your score, making it harder to qualify for personal loans from banks and online lenders in the future.

Compare alternatives to OpenCashAdvance.com

Choose your state of residence to see you options and explore by loan amount, turnaround time and requirements. Select the Go to site button for more information on a particular provider.

5 of 5 results

Finder Score	Loan amount	Turnaround time	Requirements
9.5 Excellent EarnIn	9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	At least 18 and a US resident, Valid Social Security number, At least 60 days of banking history, Proof of consistent income, Positive bank balance, Get paid by direct deposit.	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	Important information EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.	Go to site View details Compare product selectionCompare	loading
8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	Not stated	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	+18 years old, Receive paychecks through direct deposit, $1,500 minimum monthly income, Live in eligible state	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Important information The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Varo Cash Advance	9.4 Excellent	Up to $250 today. Build up to $700 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.	Instant, once qualified	You must have an active Varo Bank Account with a positive balance, no delinquent Varo Line of Credit or charged off Believe account in prior 6 months. Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity.	Important information Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $700 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.	Go to site View details Compare product selectionCompare	loading
8.8 Great Albert Instant	8.8 Great	$25 to $1,000	Within minutes	An active bank account with transaction history linked to Albert	Advance up to $1,000 in minutes with Albert Instant.	Important information Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.	Go to site View details Compare product selectionCompare	loading

Showing 5 of 5 results

What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

Read the full breakdown

MUST READ:

The Consumer Financial Protection Bureau (CFPB) no longer requires lenders to consider your ability to repay a loan. If you don’t repay a short-term loan on time, you could end up owing several times the amount you borrowed. Carefully review your finances and the loan cost to make sure it fits your budget.

Before you take out a short-term loan

Payday loans, installment loans and auto title loans come with high rates and fees, which can trap you in a cycle of debt. The majority of short-term loan borrowers renew their loan at least once, piling on fees that make it even more difficult to repay.

Consider alternatives before opting for a payday, installment or title loan:

Local resources. Government agencies, nonprofits and local charities often offer free financial services and help with food, utilities and rent for those in need.
Payment extensions. Talk with your bill providers about a longer payment plan or extension on your due date if you're behind on payments.
Credit cards. Credit cards typically charge lower interest rates than short-term loans, even on cash advances, making them a flexible, less costly alternative for up to the $500 you can typically take out with a payday loan.

Beware of high costs

OpenCashAdvance.com doesn’t charge any fees, but that doesn’t mean it’s cheap to borrow. If you’re connected with al ender, be sure to read its terms for fees and rates. Interest rates on cash advance loans can range from 200% to 2,290%, and you may also need to pay financing fees once you receive your loan.
Other fees may be added if you are late or miss a payment entirely. Always be sure you can pay back money within your next payday before you borrow any money. If you can’t, or if you think this might not be the best choice for you, consider your short-term loan alternatives instead.

Is it safe to apply with OpenCashAdvance.com?

Your information is safe when you enter it into OpenCashAdvance.com’s application, but that doesn’t mean you’re completely safe. Part of the connection service process is having your information sent to various lenders. This means you could be contact days or even weeks after you’ve applied with a lender — which could lead to some phone calls or junk email sent your way.
However, this is normal for any connection service. Its privacy policy lists how you can limit certain types of sharing, and its website is protected by McAfee so your information remains secure.

OpenCashAdvance.com reviews and complaints

BBB accredited	No
BBB rating	n/a
Customer reviews verified as of	30 April 2026

Like many other connection services, OpenCashAdvance.com doesn’t have a BBB or Trustpilot page. If you do choose to use OpenCashAdvance.com, check the BBB and Trustpilot for the lender you’re connected with. Be sure to note its ratings and how easy it is to contact customer service before you complete a full application and borrow a loan.

Am I eligible?

In order to be connected with a lender, you must meet the following criteria:

You must have an income of at least $800 per month
You must have an open bank account
You must be a US citizen or permanent resident
You must be at least 18 years old (varies by state)

How do I apply?

Provided you have all the information ready, it only takes 10 to 15 minutes to apply with OpenCashAdvance.com.

Visit OpenCashAdvance.com and select how much you need. Then enter your first and last name, zip code and email address. Click Get Started.
Select the amount you want to borrow, enter your full address and your phone number. Click Continue.
Enter your first and last name, email and date of birth. Click Continue.
Enter your bank’s ABA/routing number and your account number. Click Continue.
Select how frequently you’re paid, your next pay date, your bank account type and if you have direct deposit. Click Continue.
Enter information about your employment. Click Continue.
Enter your driver’s license number and Social Security number. Read over the terms & conditions. Click Go to submit your application.

Once you submit, OpenCashAdvance.com will review your application and attempt to connect you with a lender.

I was connected with a lender. Now what?

Once you’re connected with a lender, you’ll be redirected to its website to complete your application. Your lender will review it and may contact you for more information. If approved, read over your loan contract carefully. This will state the amount you’re borrowing, the amount you’ll pay back and when each payment is due. Keep track of this and budget carefully — a missed payment could result in a high late fee from the lender and an overdraft fee from your bank.

Bottom line

OpenCashAdvance.com is a convenient way to find a lender hwne you odn’t have time to compare. But with limited company information and no reviews, it makes sense to consider other short-term loan brokers and check out our guide to payday loans so you know you’re getting the best deal possible.

Are payday loans available in my state?

Frequently asked questions

Does OpenCashAdvance.com charge any fees?
No. OpenCashAdvance.com doesn’t charge any fees to use its service.
How much am I allowed to borrow?
Through the OpenCashAdvance.com website, you can request up to $5,000. However, the maximum amount you can borrow will be determined by the lender you’re connected with and the regulations of your state.
Do I have to be employed to apply for a cash advance loan?
No. If you don’t have a job, OpenCashAdvance.com will try to connect you with lenders that offer loans to unemployed individuals.
How will I receive my cash advance loan?
If you’re approved, your loan will be deposited in the bank account you provided when applying through OpenCashAdvance.com.
What will my repayment terms be?
It depends on the lender you’re connected with. Read your contract carefully and contact your lender if you have any questions.

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