For most people, a cash advance (also known as a payday advance) is something associated with a credit card or other line of credit. Many credit card companies make it easy for customers to receive cash advances nearby by using their credit card at a local ATM. The problem with such tactics is that the costs of the advance can add up quickly and you might not even realize what all those costs are. You'll likely pay an ATM fee charged by the bank that runs the machine, and you might also pay a fee to the credit card company for taking the advance, along with finance charges and interest if you don't pay the money back before your next billing cycle. Some credit card companies charge interest on cash advances that is higher than the interest charged on regular balances, which can make for surprising increases in your total balance.
One consumer reported receiving an email from a man calling himself William C. Jones, who claimed to work at a Federal Trade Commission office. He allegedly threatened to disclose the debt to the consumer’s employer, garnish wages, and file a lawsuit against the consumer. Another consumer reported receiving a similar e-mail from a person calling himself Neal Johnson. The consumer reported that what appear to be fake U.S. District Court arrest warrants were attached to these e-mails.
What began as a simple trading post, the city of Dallas, Texas is the third largest city in Texas and the ninth largest city in the nation with a population of 1.2 million. Big "D" is a modern and sophisticated city renowned for its shopping and home to several professional and collegiate sports teams, including basketball, football, hockey and baseball. The city has 13 entertainment districts and also boasts the largest urban arts district in the nation.

In another case, the consumer reported that the caller threatened to seize the consumer’s bank account and serve the consumer with legal papers at his workplace unless he paid the debt. Another consumer reported being threatened with arrest. In one case, a consumer reported the debt collector threatened that he could have an arrest warrant issued if the consumer did not immediately pay him with a credit card. In other cases, consumers report the debt collector demanded payment using a pre-paid card.


When used wisely, the loan will save you from a financial crisis when cash is scarce. Be it paying for utility bills or a sudden car repair, it can save your credit score from getting worse. And if you act responsibly, you’ll save some money by paying on time and taking a loan only when you sincerely need it. If possible, pay the amount as soon as possible and you’ll be a happy intelligent borrower.
When dealing with USACashAdvance.com’s network of lenders, loans can range from $100 to $1,000. Laws regarding the term limit of a loan will vary between states, but these limits tend to range between two weeks to two months. Although cash advance loans tend to have higher interest rates than usual loans, they are faster and don’t rely on credit scores to weed out individuals with poor credit. Therefore, almost anyone can benefit from payday loans, regardless of credit score history.

Another consumer reported receiving an email explaining a “Final Legal Notice” on behalf of a parent company of Cash Advance, Inc. The email was from a man calling himself Robert Jones and disclosed a fictitious case number and payment amount. He allegedly threatened legal proceedings and told the consumer that attorney fees would accompany the amount owed if he did not hear back from the consumer.
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In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
Customer Notice: Payday Loans are typically for two-to four-week terms (up to six months in IL). Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. See State Center for specific information and requirements.

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Please Note: The material on this site is provided for informational purposes only and is not financial advice. Always consult p professional before making any financial decisions.

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