Personal Cash Advance is an online payday lender based in Delaware. It does not reveal its fees or APR before you submit an application because its role is to connect you with lenders who then make you aware of their terms. In addition to payday loans, Personal Cash Advance provides title loans, cash advances and personal loans.

In order to qualify for a payday loan through one of the lenders for Personal Cash Advance, you must have a job or receive income in some way. Disability checks and Social Security counts as valid income. Your income must be at least $1,000 monthly and you must be at least 18 years old and a U.S. citizen. The amount you can borrow depends on your income. You will need a checking or savings account set up to accept direct deposit. You cannot be an active member in the military. Your job and your paycheck are the only collateral required. It is understood that because you are applying for a payday loan, your credit rating is probably not good. Even a high-interest credit card is a much more affordable means of borrowing money. So if you had a credit card, you wouldn’t be applying for a payday loan. The payday loan industry understand this, which is why there is no credit check or background check. The fact that you cannot qualify for a credit card explains why you are going to pay such a high interest rate for your loan.

The application process is secure in the sense that your web session is protected by 128 bit Secure Socket Layer encryption, which means that hackers cannot see anything you are sending to Personal Cash Advance. Because Personal Cash Advance matches you with lenders, it will share your information with its lenders, who will verify your information and match your information against national databases that track consumer transactions with lending institutions.

You are expected to repay the loan within 14 days. And if you are successful in repaying your loan within the deadline, you are then welcome to apply for another loan. However, if you are taking out multiple payday loans, it is a symptom that you are at a level of financial disorder for which payday loans are not the answer.

Personal Cash Advance Summary:
6.3/10

When you apply for a payday loan through Personal Cash Advance, you tap into a network of lenders. As long as you are an adult U.S. citizen with income, you probably qualify for a payday loan. Pay back the loan as soon as your next paycheck arrives or the interest rates will devour you.

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Personal Cash Advance

Pros
Personal Cash Advance matches you with lenders who understand that you probably don't have good credit.

Cons
Because Personal Cash Advance is not the direct lender, you cannot know loan terms until after you apply.

The Verdict
: 6.25/10

Personal Cash Advance is a perfectly reasonable source of payday loans.