When we first evaluated Personal Cash Advance, we were inclined to give it a higher ranking on our list of the best online payday lenders. However, upon closer inspection, we simply could not determine the company's physical location. We generally prefer it when instant payday loan services are located within the United States, but it's not a deal breaker if they're not. However, the fact that this company doesn't disclose its location at all gives us great pause before we could give it a strong endorsement.

Personal Cash Advance does not relate its fees or APR before you submit an application. This really hurt it in our rankings because a payday lender's fees are very important to know before you give your personal information and sign your name on an application.

The interface and forms are easy to follow and fill out. The company claims that you can obtain your money in three steps. However, these three steps only complete the application process. Shockingly, this money lending service claims that you can receive up to $1,500 in loans within just two minutes. We see this as impossible. Our top-rated services claim that you can have your money in about one hour, but a more realistic time period is about 24 hours. It will probably take you about two minutes to fill out the application form, but you won't have your money in hand by then.

There are a few reasons why this payday loan service does not rank higher. We have already mentioned that it does not provide its fee information before you apply. This service does not allow you to extend or renew your loans either. You must pay your loans off by the specified dates, or you'll have to pay penalty fees.

Personal Cash Advance appears to be a secure site and supports a protocol that encrypts transferred personal data. GeoTrust is the security provider.

A nice feature to have is the ability to apply for a loan with a telephone call. Personal Cash Advance does not allow this, which is another reason it does not rank higher.