Most new customers have plenty of questions about how our process works, so we've compiled the most common inquiries here. If you don't see your question answered below, please feel free to contact us and ask. We do our best to reply to all queries by email within two business days.

If you have questions about the status of your loan or want to request an extension, please contact your lender directly.

Is Alpha Cash Advance a lender? Top

Alpha Cash Advance is not a direct lender. We provide a service by connecting consumers like you with reputable lenders who can help you secure a cash advance. The terms, fees, and rates of any loans are controlled entirely by the lender with whom you are matched and are paid to that lender.

What is a payday loan? Is it the same thing as a cash advance? Top

Both of these terms refer to the same thing - a short-term loan that will carry you through to your next payday. Most cash advances are between $100 and $500.

Do I qualify for a cash advance? Top

You can easily be approved for a cash advance if you are at least 18 years old, have a current job that you've held for at least 90 days, and earn at least $1,000 per month. You'll also need an email address, home phone number, and work phone number.

What does it cost to apply for a loan? Top

It costs nothing at all to submit an application to Alpha Cash Advance. You'll only be charged if you accept a loan, and all of the rates and fees are determined and handled by your lender.

How much money can I get as a payday loan? Top

You can choose to apply for any amount ranging from $100-$1,500. Your lender will decide how much money you're approved for based on the details of your application.

How do I receive the money? Top

Once your payday loan has been approved, your lender will deposit the money directly into your account.

I have bad credit or have declared bankruptcy. Can I still get a loan? Top

Absolutely! We don't check your credit at all, so a poor or nonexistent credit rating will not hurt you. Even if you have bounced checks, charge offs, or have declared bankruptcy, it won't affect your chances of approval.

How long does the process take? Top

The application process can take as little as 5 minutes, and most loans come through within 24 hours.

Do I need to have a fax machine or a printer? Top

You'll need a printer for the loan documents that your lender sends, and some lenders may ask you to fax signed documents or additional information, such as pay stubs, back to them.

How much does a payday loan cost? Top

The rates and fees for your loan will depend on the amount you borrow and on your specific lender. You'll be informed of the details once we match you with a lender. Although payday loans are more expensive than regular bank loans, they usually cost much less than bounced check fees or late payment charges.

I already have an outstanding cash advance. Can I still qualify for a loan? Top

Yes, even if you have another loan outstanding, we'll still approve your application. Please make sure to disclose all relevant information about your loan when you apply.

When and how do I repay my cash advance? Top

When you are approved, your lender will offer you a loan with a fixed deadline and terms. In most cases, your loan and any fees are withdrawn automatically from your bank account on a prearranged date, with your permission. That way, you never have to remember to repay it or visit a bank or store to do so.

Are extensions possible if I can't repay when my loan is due? Top

Yes, in most cases, extensions are possible and very simple to arrange by contacting your lender. Extensions must be requested before the loan comes due, and there will be additional fees for extending the term.

How safe is my private information? Top

We use cutting-edge security technology and encryption to ensure that every customer’s personal information is fully protected. For more details, please see our Privacy Policy on the Legal page of this site.

How soon can I apply for a second loan? Top

Applications are free every time, but you must wait 72 hours after your first application to apply again. If you've recently been approved for a loan, remember to disclose the amount and details on your second loan application.

How do I apply differently as a return customer? Top

Our returning customers have our absolute confidence, and we want to make the process of applying for a second (or later) payday loan with Alpha Cash Advance as simple as possible. Simply enter your customer ID and password from your original application, and a new form will autocomplete with your personal information. You can change any details or correct information if necessary. Then update the date of your next paycheck, hit Submit, and you're well on your way to a cash advance!

What should I do if I lose my customer ID or password? Top

It's easy to retrieve them - just go to the Return Customer access on the home page of this site and click on the words "Forgot Password?" Your customer ID and password will be emailed to you immediately.

How can I check my loan status with my customer ID and password? Top

Loan details are not available through the Alpha Cash Advance site - only your lender knows the details and status of your loan, so you will have to contact them directly.

How can I update my personal information? Top

It's easy to change your contact information by updating the contact fields on your next loan application. All you have to do is enter your customer ID and password as a return customer, and then change any necessary information to update your account.