» Help, When You Need It Most.
Mon-Fri 10am-6pm & Saturday 6am-2pm.
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.
How Cash Advances Work
Payday Loans
At Instant Cash Advance, we strive to make your payday loan as quick and easy as possible. Applying for a cash advance is simple, just stop into any of our 11 Michigan locations. The application process takes about 15 minutes for a first-time customer.
Pay Day Loan Requirements
What You’ll Need to Apply for a Payday Loan:
How Much Money Can I Qualify For?
The amount of your cash advance is based on your net monthly income. At Instant Cash Advance, we can provide payday loans up to $600.00.
Getting Your Cash Advance
Upon qualification, you will write us a check for the advance amount, plus fees, and we will hold that check until your determined due date.
Repaying Your Cash Advance
You are obligated to come in on or before your due date to repay your cash advance. All payday loans must be repaid with either cash or money order. Upon payment, we will return your original check to you. You could also request that your check be deposited and presented for payment to your bank.
» We Buy Gold!
Did you know that some of our branches can also help you if you bring in your broken or unwanted gold jewelry? You can walk out the door with money in your hand with our cash for gold services. Simply bring in your jewelry to any of our gold buying locations, and our trained gold buying professionals will examine your jewelry, measure its weight, and assess its quality, right on the spot. After our initial examination, we will offer you fair market value. It’s that easy!
How Gold Buying Works
In need of some quick cash? At Instant Cash Advance, many of our locations offer gold buying and cash for gold services.
Bring in any of your unwanted or broken gold jewelry and walk out with cash on the spot. With the top price in the state of Michigan for gold, be assured that you will be getting top dollar for your jewelry.
How Gold Buying Works
Selling your gold at Instant Cash Advance is easy. Bring in any broken or unwanted jewelry and we will pay you cash on the spot for it. With our cash for gold services, walk out the door with money in your hand!
Simply bring in your jewelry to any of our gold buying locations where our trained gold buying professionals will examine your jewelry, measure its weight, and assess its quality right on the spot.
After our initial examination, we will offer you fair market value for your gold or other precious metals. You choose to accept or not.
It’s that easy!
Best Gold Buying Rates in the State
Our gold buying services offer the best rates in the State of Michigan. We invite you to call or stop into any of our gold buying locations statewide for the most current rates.
Gold Buying Rates
The price of gold is at all time record highs. The time to sell your unwanted or broken jewelry is now!
At Instant Cash Advance, we offer the top price for gold in the State of Michigan and accept all precious metals including silver and platinum.
We invite you to stop into our gold buying locations or give us a call for the latest gold buying rates.
» Over 10 Convenient Michigan Locations.
We are here to help you. Our 11 convenient walk-in locations in Michigan, are open and ready to serve & provide you the help you need.
EAST TAWAS
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200 W Bay St. Suite 2
East Tawas, Michigan, 48730, United States
WEST BRANCH
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2496 I-75 Business Loop Suite 4
West Branch, Michigan, 48661, United States
More Frequently Asked Questions
How much of a cash advance can I get?
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.
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/).
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.
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.
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!
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.
How is my re-payment due date calculated?
All cash advances are generally due on your next payday.
Can I pay my loan back early?
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.
After my existing cash advance is paid, how soon after can I apply for another payday loan?
You can apply for a cash advance the same day
Are there any application or processing fees?
There is no application or processing fees.
In need of some quick cash? WE BUY GOLD!
At Instant Cash Advance, many of our locations offer gold buying and cash for gold services. Bring in any of your unwanted or broken gold jewelry and walk out with cash on the spot. With the top price in the state of Michigan for gold, be assured that you will be getting top dollar for your jewelry.