Welcome to Instant Cash Advance Corporation of Michigan

A payday advance is a short term financial assist without the long term obligation. It’s a quick, easy and confidential way to get some cash.

You would only need a few things:

• Government Issued ID
• Proof of Income
• Active Checking Account (open at least 60 days)
• Bank Statement (showing 60 days of activity)
• Social Security Number
• Personal Check

You will be able to apply for a cash advance from as little as $25.00 to anywhere up to $600.00. The amount that you will be approved for will be determined by the information you provide Instant Cash Advance.

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

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.

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

Payday loans are quick and confidential, and every fee is listed up front in our loan fee chart.

No, payday loans are an excellent alternative to conventional loans in many instances. ICA will always provide you with great customer service, guaranteed.

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 chart), along with a state fee.

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.

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.

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!

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.

All cash advances are generally due on your next payday.

Yes, you can pay your loan back early. In addition, if you repay the loan in its entirety with 1 business day of taking out the loan, you will be entitled to a refund of the fees you paid upon origination.

You can apply for a cash advance the same day.

There is no application or processing fees.