Yes, you may be able to receive your online cash advance the same business day.
For the best chance of same-day funding, complete your application, get approved, and sign your loan agreement before 11:30 AM ET, 8:30 AM Pacific.*
Applying earlier gives your bank more time to process the transfer. Final funding time also depends on your bank or debit card provider, which is outside our control.
What Can Affect Same-Day Funding?
- What time you apply: Complete the process before the cutoff for the best chance of same-day funding.
- How you receive the money: Bank deposits and debit card funding can post at different times.
- Your documents: Having your ID, income, and bank information ready can prevent delays.
- Weekends and holidays: Bank processing may take longer outside normal business days.
If you need money for an unexpected expense, you can apply online with Superb Cash Advance from your phone or computer. If approved, we will send your funds as quickly as the available payment method allows.
In Arizona, Georgia, North Carolina, and Virginia, where payday loans are not available, the same funding cutoff applies to our installment loans.
*Same-day funding is not guaranteed. Timing depends on when you complete the process, approval, your funding method, and your bank or card provider.
Key Takeaways
- You may get your money today. Sign before 11:30 AM ET for a chance at same business day funds.*
- A later signing moves to the next business day. If you sign after the cutoff, or on a weekend or bank holiday, your funds are generally sent the next business day.
- Check the cost too. A cash advance can cost more than a credit card or a small bank loan, so borrow only what you can repay when it is due.
What Time Do You Need to Sign to Get Your Money Today?
The 11:30 AM ET cutoff counts the moment you sign your loan agreement, the last step, because we can send your money only after you sign. Later signings are generally funded the next business day.
Find your time zone, then sign before the time shown for it. Each time is the same cutoff on your own clock:
| Your Time Zone | Sign Before |
|---|---|
| Eastern | 11:30 AM |
| Central | 10:30 AM |
| Mountain | 9:30 AM |
| Pacific | 8:30 AM |
| Arizona, no daylight saving | 8:30 AM in summer, 9:30 AM in winter |
Use the time zone where you are when you sign, since some states have more than one.
How Do You Get a Same Day Loan Online?
- Apply online. You can apply any time, day or night. Make sure your details match your ID and bank account, so nothing needs a second look.
- Review your free estimate. If you pre-qualify, you’ll receive a free, no-obligation loan estimate. Check the amount, fee, and repayment terms, and move forward only if it fits your budget.
- Sign before your cutoff on a business day. In most states, we send your money to your bank account or a qualifying prepaid card. If you are eligible, you may be able to receive your funds on your debit card.* In some states the law requires the money to be paid in cash in person, so you collect it at the store.
See each step in detail in how it works.
You can also apply at one of our locations, and if you are approved there, you may be able to leave with your money the same day, even after the cutoff for deposits.*
Frequently Asked Questions
Is There a Credit Check for a Same-Day Loan?
Yes. Checking whether you pre-qualify and getting a free loan estimate uses a soft credit inquiry, which does not affect your credit score.
If you move forward, a hard credit inquiry and a check of national credit databases may be required before you sign and receive your money. We will let you know before that happens.
Will Bad Credit Affect the Same-Day Loan Process?
Bad credit does not automatically prevent you from qualifying for same-day funding.
We focus more on your current income and ability to repay than on your credit score alone. Bad credit also does not change the same-day cutoff. If you qualify and complete the process before the cutoff on a business day, you may still receive your money that day. See more on bad credit.
Do You Need a Bank Account for a Same-Day Loan?
Yes. You generally need an active checking or savings account, or an eligible prepaid card, so we can send your funds.
Some prepaid cards may work if they have your name, routing and account numbers, your income deposited onto them, and a Visa or Mastercard logo.
Your bank or card provider controls how quickly the money becomes available after we send it.
What Does a Cash Advance Cost?
Getting your cash advance the same day does not make it more expensive. The fees are based on your loan amount and your state’s law.
Before you sign, you will see the loan amount, fees, APR, and total repayment amount.
Cash advances can be expensive because they are short-term loans. For example, a $15 fee per $100 borrowed can result in a very high APR when the loan is due in only a few weeks.
If your bill can wait a day or two, compare lower-cost options before you apply, and borrow only what you can repay on the due date.
