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Cash Advance in Springfield, 62704

Springfield is the capital city of Illinois and home to over a hundred thousand citizens. Everyone in this dynamic city is working hard to provide for their families.

However, urgent costs and unforeseen expenses may push some Springfield residents into getting a cash advance.

Cash advances in Springfield have specific amounts, terms, and annual percentage rate (APR) regulations that all borrowers must follow.

If you live in Springfield, IL, and want to begin the process for a cash advance, this guide details what you'll need to know for cash advances, like rules, limitations, and key takeaways, before you search for lenders.

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A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Fast Cash Loans

With a cash advance loan, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

Short-term loans

A short term loan is a type of loan that is obtained to support a temporary personal or business capital need.

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Customer Reviews

Julio H. ★★★★☆ Unlike many lenders who are fixated on FICO ratings, this company takes a complete approach. They consider many factors, enabling loan approval for individuals with varying financial backgrounds.George B. C. ★★★★☆ This organization adopts a comprehensive approach, in contrast to many lenders who are obsessed with FICO scores. They take into account a number of variables, allowing people with diverse financial backgrounds to be approved for a loan.Annabelle E. ★★★★★ I couldn't be happier with the service I received from Superb Cash Advance in Springfield. Their team was professional, efficient, & helped me secure the funds I needed quickly and hassle-free, making a potentially stressful situation much easier to navigate.Annabelle E. ★★★★★ I couldn't be happier with the service I received from Superb Cash Advance in Springfield. Their team was professional, efficient, and helped me secure the funds I needed quickly and hassle-free, making a potentially stressful situation much easier to navigate.Riggie B. ★★★★★ The same day payday loan service provided by this company was a lifesaver during a financial emergency, offering quick financial assistance with their rapid processing, fair terms, and helpful staff. The speed and reliability of obtaining a payday loan at the same day made the entire experience positive and efficient.Frederick A. ★★★★☆ Opt for Superb Cash Advance in Springfield if you're in need of a reliable and transparent lender. When everyone else turned me down, they provided a no-denial payday loan, with no credit check required. While the APR wasn't the lowest, it fell within reasonable limits. What truly matters is that they rescued me during a tough situation. A big thank you for that!Rodney B. ★★★★★ I met with an accident and was at home for a month, due to extra expenses, I had to rely on a personal loan called a payday loan on the same day. I got help even with my bad credit. Thank you, Maria.Bryan L. F. ★★★★☆ Obtaining bad credit allotment loans in Springfield isn't a simple task, but this lender truly stood out with their understanding and flexibility. They tailored a plan that was a perfect fit for my financial situation, significantly easing my journey toward stability. Thank you so much!!Kellie A. ★★★★☆ When I needed an instant cash advance, this company came through for me. Their process was simple and efficient, and I had the funds in my account within minutes.Shanti D. ★★★★★ I got a Chime account and it got me thinking if there are any payday loan options that accept Chime. Well then I found this awesome loan company that actually accepts Chime accounts! They made the whole process super easy and smooth. I got the loan amount in no time and was able to handle all my expenses without any hassle. It was a lifesaver!😄👏🏻js_loader

What Are Cash Advance Loans?

Cash advances, also called payday loans, are short-term loans that provide borrowers with a requested amount of emergency cash.

The term “payday loan” comes from how the due date for the loan repayment falls when a borrower gets their paycheck.

While these short-term loans can be helpful in a pinch, they also carry high-interest rates and finance charges.

These additional charges on the outstanding balance are combined into the APR. Since the APR depends on the exact loan principal, Springfield APRs used to range to extreme amounts.

Today, a cash advance loan in Springfield cannot exceed 36% APR. This ensures everyone can manage on-time payments.

These are key details to note for Springfield cash advance loans:

  • Minimum Loan Amount: $100
  • Maximum Loan Amount: $1,000 or 25% of gross monthly income (whichever is higher)
  • APR: 36%
  • Minimum Loan Term: 13 days
  • Maximum Loan Term: 120 days
  • Added Fees: Verification fee of $1

Requirements for a Springfield Cash Advance Loan

Before starting the inquiry process for a Springfield cash advance loan, ensure you submit these required documents or meet these minimum requirements:

  • Proof of income
  • Valid government ID
  • US citizen
  • Social Security number
  • At least 18 years old
  • Bank account

Choosing the Right Loan Type

Various loan options cater to different borrowers.

Picking the right loan type for your needs depends on the amount of cash you need and what the loan proceeds will be used for.

Here are a few common loan types and how they help you:

  • Title Loans: Title loans require possessions like vehicle titles or homes as collateral in the loan approval criteria. The lender will repossess your collateral if you cannot repay the loan on time.
  • Installment Loans: An installment loan is a long-term loan where you must repay the loan amount plus fees on set terms or incur late fees.
  • Personal Loans: Personal loans provide access to fast money with interest and short payment terms.
  • Mortgage: Mortgages use real estate to approve the loan, and lenders will take the home if the borrower cannot pay on time.

How to Get a Cash Advance Loan in Springfield With Third-Party Lenders

While many lenders offer different features, our network of experienced third-party lenders can make it easier for Springfield borrowers to get an emergency cash advance.

Here are key features that make them worth checking out:

  • Fast loan process
  • Soft credit check
  • Quickly decide your loan option

Simply start by filling out our online inquiry form.

Bad Credit Cash Advance Loans in Springfield

Getting a payday loan with bad credit in Springfield is possible, as the lenders may not rely on your credit history. They will primarily focus on your ability to follow the payment terms.

Springfield Cash Advance Loan Laws

The Payday Loan Reform Act oversees loans in Springfield and statewide, ensuring no payday loan exceeds the 36% APR. It also stops residents from borrowing from more than one lender.

The Act mentions, “No payday loan may be made to a consumer if the loan would result in the consumer being indebted to one or more payday lenders for a period in excess of 45 consecutive days.”


Springfield’s manageable loan terms and strict APR regulations protect residents from debt. Springfield residents who need cash quickly can fill out our inquiry form to start the inquiry process.

After the pre-approval process, you’ll be contacted by a lender from our network.


This section covers a few common questions on cash advance loans.

How to Pay off Cash Advance Loans

You can pay off cash advance loans by making a credit card payment. However, be aware of incurring additional transaction charges and higher interest rates.

How Do Payday Loans Differ From Other Types of Loans?

Payday loans are unsecured, have shorter payment terms, and typically carry higher interest rates on average. Other loans have longer terms and specific uses and can be secured or unsecured.

Why Are Payday Loans So Popular?

Payday loans are popular because they quickly give needed cash with usually fewer requirements.


1926 S MacArthur Blvd #4030, Springfield, IL, 62704

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Mon – Fri:

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(217) 360-7217

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