How to Apply for an American Cash Advance Online in 3 Simple Steps
Go to americascashadvanceinc. com and fill out the online application. It's a quick form that only takes a few minutes to complete.
What You'll Need: Your full name and contact details
A valid government-issued ID
Proof of steady income, like a pay stub or bank statement
An active checking account
Your Social Security number
The application is easy to use and fast. Unlike most traditional lenders, American Cash Advance doesn't require a hard credit check, which makes it easier for people with little or poor credit to get approved.
After you submit your application, a loan representative will review it and might call you to check some details.
In many cases, you'll get approved within minutes.
Once your application is approved, you'll receive a loan offer. This will include: The approved loan amount
Total repayment amount
Due date
Any associated fees
America's Cash Advance offers short-term installment loans, with loan amounts typically ranging between $100 and $1,500, depending on your state and income.
You'll be shown all the terms up front. There are no hidden fees and no surprise charges. This gives you a clear picture of what to expect before moving forward.
After accepting the loan offer, the funds are processed and deposited directly into your bank account. In most cases, borrowers receive their funds within one business day—sometimes even on the same day, depending on the time of application and your bank's processing times.
This quick access to funds is one of the main reasons people turn to an American Cash Advance during emergencies. Whether you're behind on bills or just need some extra support until payday, this process provides a convenient solution.
For those looking for a fast and reliable loan, America's Cash Advance, Inc. stands out for a few key reasons:
Everything is handled online—from application to funding. No need for in-person appointments or lengthy forms.
You can apply even if you have bad credit or no credit history at all. Approval is based on income and employment, not your credit score.
Borrowers are shown the full cost of the loan before accepting. There are no surprise fees or hidden clauses.
From application to funding, the entire process can be completed in less than 24 hours.
To help ensure your application goes smoothly, here are a few quick tips:
Have your ID, income proof, and banking information ready before you apply. This speeds up the process and reduces delays.
Make sure the information you provide is correct. Any inconsistencies can slow down your approval.
Only borrow what you can realistically pay back on time. Missing payments can lead to fees or affect your ability to borrow in the future.
Loan amounts typically range from $100 to $1,500, depending on your income and state regulations.
No. America's Cash Advance does not run hard credit checks. Your eligibility is based on income, employment status, and bank account information.
Many applicants receive funds on the same day or within one business day.
Yes. America's Cash Advance uses secure encryption and data protection to keep your personal information safe.
A sudden expense doesn't have to mess up your money situation. With American Cash Advance, you can get a loan online and receive quick funding in just three simple steps. You don't need perfect credit, and you don't have to go to a physical place. Everything is handled online, safely and fast.
If you're in a financial pinch and need a short-term loan, America's Cash Advance, Inc.
offers a straightforward and reliable way to get the help you need—without all the trouble.
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For the Six Months Ended June 30, 2025 2024 (Dollars in thousands) Interest-earning assets: Loans $ 720,966 $ 21,843 6.11 % $ 673,282 $ 19,978 5.97 % Investment securities held-to-maturity 27,082 832 6.20 % 34,225 1,056 6.20 % Investment securities available-for-sale 39,465 679 3.47 % 47,875 942 3.96 % Interest-earning deposits and federal funds 65,896 1,385 4.24 % 50,527 1,296 5.16 % Other investments 6,206 189 6.14 % 5,467 171 6.29 % Total interest-earning assets 859,615 24,928 5.85 % 811,376 23,443 5.81 % Non-interest-earning assets 47,862 51,633 Total assets $ 907,477 $ 863,009 Interest-bearing liabilities: Interest-bearing checking accounts $ 82,740 $ 182 0.44 % $ 88,584 $ 217 0.49 % Money market accounts 161,502 2,421 3.02 % 143,243 2,258 3.17 % Savings accounts 81,370 1,147 2.84 % 74,093 1,054 2.86 % Certificates of deposit 247,512 5,021 4.09 % 219,315 4,571 4.19 % Total interest-bearing deposits 573,124 8,771 3.09 % 525,235 8,100 3.10 % FHLB advances and other borrowings 54,426 1,042 3.86 % 58,145 1,025 3.55 % Total interest-bearing liabilities 627,550 9,813 3.15 % 583,380 9,125 3.15 % Non-interest-bearing liabilities 152,991 156,177 Total liabilities 780,541 739,557 Total stockholders' equity 126,936 123,452 Total liabilities and stockholders' equity $ 907,477 $ 863,009 Net interest rate spread 2.70 % 2.66 % Net interest income $ 15,115 $ 14,318 Net interest margin 3.55 % 3.55 % Expand AFFINITY BANCSHARES, INC. Consolidated Balance Sheets (unaudited) June 30, 2025 (Dollars in thousands except per share amounts) Assets Cash and due from banks $ 5,876 $ 7,092 Interest-earning deposits in other depository institutions 83,790 34,333 Cash and cash equivalents 89,666 41,425 Investment securities available-for-sale 40,739 36,502 Investment securities held-to-maturity (estimated fair value of $24,724 net of allowance for credit losses of $37 at June 30, 2025 and estimated fair value of $27,286 net of allowance for credit losses of $45 at December 31, 2024) 24,366 27,299 Other investments 6,243 6,175 Loans 731,135 714,115 Allowance for credit loss on loans (8,542 ) (8,496 ) Net loans 722,593 705,619 Premises and equipment, net 3,075 3,261 Bank owned life insurance 16,690 16,487 Intangible assets 18,080 18,175 Other assets 12,347 11,874 Total assets $ 933,799 $ 866,817 Liabilities and Stockholders' Equity Liabilities: Non-interest-bearing checking $ 151,882 $ 151,395 Interest-bearing checking 83,713 73,841 Money market accounts 167,859 148,752 Savings accounts 89,084 76,053 Certificates of deposit 256,800 223,440 Total deposits 749,338 673,481 Federal Home Loan Bank advances and other borrowings 54,000 58,815 Accrued interest payable and other liabilities 6,361 5,406 Total liabilities 809,699 737,702 Stockholders' equity: Common stock (par value $0.01 per share, 40,000,000 shares authorized; 6,295,339 issued and outstanding at June 30, 2025 and 6,409,598 issued and outstanding at December 31, 2024) 63 64 Preferred stock (10,000,000 shares authorized, no shares outstanding) — — Additional paid in capital 61,197 62,355 Unearned ESOP shares (3,915 ) (4,378 ) Retained earnings 71,756 76,786 Accumulated other comprehensive loss (5,001 ) (5,712 ) Total stockholders' equity 124,100 129,115 Total liabilities and stockholders' equity $ 933,799 $ 866,817 Expand AFFINITY BANCSHARES, INC. Consolidated Statements of Income (unaudited) Three Months Ended June 30, Six Months Ended June 30, 2025 2024 2025 2024 (Dollars in thousands except per share amounts) Interest income: Loans, including fees $ 11,195 $ 10,479 $ 21,843 $ 19,978 Investment securities 858 1,095 1,700 2,169 Interest-earning deposits 770 648 1,385 1,296 Total interest income 12,823 12,222 24,928 23,443 Interest expense: Deposits 4,525 4,099 8,771 8,100 FHLB advances and other borrowings 520 555 1,042 1,025 Total interest expense 5,045 4,654 9,813 9,125 Net interest income before provision for credit losses 7,778 7,568 15,115 14,318 Provision for credit losses 17 213 67 213 Net interest income after provision for credit losses 7,761 7,355 15,048 14,105 Noninterest income: Service charges on deposit accounts 337 391 653 786 Net gain on sale of other real estate owned — 135 — 135 Other 203 180 368 369 Total noninterest income 540 706 1,021 1,290 Noninterest expenses: Salaries and employee benefits 3,260 3,417 6,619 6,596 Occupancy 595 615 1,200 1,233 Data processing 550 508 1,093 1,019 Other 1,062 2,179 1,914 3,442 Total noninterest expenses 5,467 6,719 10,826 12,290 Income before income taxes 2,834 1,342 5,243 3,105 Income tax expense 682 311 1,260 739 Net income $ 2,152 $ 1,031 $ 3,983 $ 2,366 Weighted average common shares outstanding Basic 6,312,589 6,416,628 6,358,888 6,416,628 Diluted 6,457,397 6,544,450 6,504,838 6,534,751 Basic earnings per share $ 0.34 $ 0.16 $ 0.63 $ 0.37 Diluted earnings per share $ 0.33 $ 0.16 $ 0.61 $ 0.36 Expand Explanation of Certain Unaudited Non-GAAP Financial Measures Reported amounts are presented in accordance with GAAP. Additionally, the Company believes the following information is utilized by regulators and market analysts to evaluate a company's financial condition and, therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for financial results in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures which may be presented by other companies. Refer to the Non-GAAP Reconciliation tables below for details on the earnings impact of these items. For the Three Months Ended For the Year Ended Non-GAAP Reconciliation June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 June 30, 2025 June 30, 2024 Operating net income reconciliation Net income (GAAP) $ 2,152 $ 1,831 $ 1,345 $ 1,730 $ 1,031 $ 3,983 $ 2,366 Net loss on securities available for sale — — 385 — — — — ESOP Compensation expense related to dividend 210 211 — — — 421 Merger-related expenses — — 119 196 939 — 989 Income tax expense (46 ) (46 ) (111 ) (43 ) (207 ) (93 ) (218 ) Operating net income $ 2,316 $ 1,996 $ 1,738 $ 1,883 $ 1,763 $ 4,311 $ 3,137 Weighted average diluted shares 6,457,397 6,547,817 6,620,602 6,611,468 6,544,450 6,504,838 6,534,751 Adjusted diluted earnings per share $ 0.36 $ 0.30 $ 0.26 $ 0.29 $ 0.27 $ 0.66 $ 0.48 Tangible book value per common share reconciliation Book Value per common share (GAAP) $ 19.66 $ 19.25 $ 20.14 $ 20.02 $ 19.49 $ 19.52 $ 19.49 Effect of goodwill and other intangibles (2.86 ) (2.85 ) (2.84 ) (2.84 ) (2.85 ) (2.84 ) (2.85 ) Tangible book value per common share $ 16.80 $ 16.40 $ 17.30 $ 17.18 $ 16.64 $ 16.68 $ 16.64 Tangible equity to tangible assets reconciliation Equity to assets (GAAP) 13.29 % 13.40 % 14.90 % 14.61 % 14.32 % 13.29 % 14.32 % Effect of goodwill and other intangibles (1.71 )% (1.75 )% (1.81 )% (1.81 )% (1.83 )% (1.71 )% (1.83 )% Tangible equity to tangible assets (1) 11.58 % 11.65 % 13.08 % 12.80 % 12.49 % 11.58 % 12.49 % (1) Tangible assets is total assets less intangible assets. Tangible equity is total equity less intangible assets. Expand
