Welcome to Instant Cash Advance Corporation of Michigan "We can help you with that!"

We are Michigan’s premier provider of cash advances and payday loans. If you’re in need of some fast cash, we’re here to help, with great service at our Instant Cash Advance locations. With cash advances of up to $600.00, our payday loans provide short-term financial assistance without a long-term obligation.

Our 11 locations are ready to serve you today!

Hours: 
Monday – Friday 10am-6pm
Saturday – 10am-2pm
ALPENA

ALPENA

2207 US 23 Alpena, Michigan, 49707 (989) 354-6032
CARO

CARO

1150 Cleaver Road Caro, Michigan, 48723, (989) 672-0333
CLARE

CLARE

1454 N. Mcewan St Clare, Michigan, 48617, (989) 386-1601
EAST TAWAS

EAST TAWAS

200 W Bay St. Suite 2 East Tawas, Michigan, 48730, (989) 362-0000
GLADWIN

GLADWIN

172 James Robertson Dr. Gladwin, Michigan, 48624, (989) 426-0100
HOLLAND

HOLLAND

65 Douglas Ave. Suite 5 Holland, Michigan, 49424, (616) 355-0122
OSCODA

OSCODA

216 N State St. Oscoda, Michigan, 48750, (989) 739-7081
SAGINAW

SAGINAW

2750 Bay Rd. Suite 2 Saginaw, Michigan, 48603, (989) 497-1111
WYOMING

WYOMING

2013 28th St SW Wyoming, Michigan 49519, (616) 261-4500
WEST BRANCH

WEST BRANCH

2496 I-75 Business Loop Suite 4 West Branch, Michigan, 48661, (989) 345-0400
WESTLAND

WESTLAND

6594 N Wayne Rd. Westland, Michigan, 48185, (734) 641-7300

APPLICATION Print and fill your application below, prior to visiting a branch near you. For your security, please do not email your completed forms.

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VIEW FEE CHART HERE

FREQUENTLY ASKED QUESTIONS

  • How do I repay my cash advance?

    It’s simple; you have the choice to pay with cash or a money order. You could also request that your check be deposited and presented for payment to your bank.

  • What types of fees are applicable and how much are they?

    We charge the fees allowed by state law. For a complete fee breakdown, please refer to our cash advance fee schedule (/cash-advance-fees/).

  • Is my payday loan secure and confidential?

    Yes, Instant Cash Advance has the highest standards. We do not disclose your information other than as allowed by federal law.

  • Can I still get a cash advance if I have bad credit?

    Yes, those with “bad credit” can still get a cash advance. We use Factor Trust Credit Reporting. They are considered a “soft” credit check. This allows most customers to qualify for our loans despite their credit situation.

  • Are there any application or processing fees?

    There is no application or processing fees.

  • Why choose a payday loan over other alternatives?
    Payday loans are quick, easy, and confidential. Other loan processes require hidden fees, are lengthy processes, and often require much deeper background information. Our fees are also much more affordable than overdraft fees that are incurred from a banking account.
  • There are rumors that Payday Loans are a scam and only take your money. Is this true?
    No, payday loans are an excellent alternative to conventional loans in many instances. ICA will always provide you with great customer service, guaranteed.
  • Am I able to renew my loan?
    In order to renew a loan, their past loan must be paid off and must have remained up to date on past payments. The customer must update their contact information to the most current information and bring in your most current bank statement and check stubs. Amount of the new advance will vary on if your financial situation has changed. A loan fee is applied to the advance amount (amount varies depending on size of the loan taken out – see our loan fee page), along with a state fee.
  • Do I have repayment options or what are the implications if I cannot repay the loan back right away?
    If the customer is eligible for a re-payment plan (RPP) and wishes to exercise their right, it can only be entered into an RPP at the branch location in which the advance was originally taken out. After entering the appropriate information into the Repayment Plan Contract, the employee will verify the customer’s next 3 pay dates, the total due will include the RPP fee and be divided into 3 equal payments. Customer must pay each installment in cash, cashier’s check or money order. Payments may be made on or prior to an installment due date and must be applied toward the most current installment due. Defaulting on the repayment plan includes missing a scheduled due date and/or paying less than the determined amount. We send the check to the bank for the entire face value.
  • Are there implications if I just can't repay the loan?
    We will make numerous attempts to contact you with the information that you provided. Failure to contact us immediately to satisfy this debt will leave us no choice but to pursue other avenues in the collection of your contractual obligation. This could include civil litigation or sale of the debt to a third-party collection agency. Other than if the customer entered the RPP (as listed above) no additional fees other than the RPP fee or NSF fee (if necessary) is applied to the loan.
  • How soon can I receive my cash advance?
    You can receive your cash advance as soon as 15-20 minutes if you are applying at one of our physical locations. If approved, you will walk out with money the same day!
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