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What is an advance?
An advance is a short-term deferred deposit loan designed to help you make ends meet. It is not intended to be a long-term solution. Other commonly used terms for an advance are payday advance, post-dated check loan, payday loan, cash advance, deferred deposit loan, or payroll advance. |
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Why an advance?
Let USA Cash Services® be your solution to any short-term financial problems. Advances are ideal for financial emergencies. An advance may help you avoid costly overdraft fees, overdue fees, utility disconnection fees, etc. |
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How do I get a Idaho advance?
Our Loans are as easy as 1, 2, 3…
1. Open an Account by filling out our easy Idaho online cash advance application.
2. Complete a Idaho online cash advance request.
3. Your money is deposited directly to your Checking Account within 1 business day.
You may also receive your loan at one of our many Idaho office locations. |
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What does it cost?
In the state of Idaho the cost for your an advance varies depending on the length of your loan and amount you borrow. For example, if you borrow $200.00 for 14 days, our fee would be $40.00, with an APR of 521.43%. This is approximately $10 per week for every $100.00 you borrow.
This APR is based on an example term of one payment due in 14 days. The APR may increase or decrease if your actual advance is shorter than or longer than this example. Please use our fee calculator the determine the exact cost of your advance before you apply. |
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How do I qualify?
In order to qualify for an advance, you must:
 Have a minimum of $500.00 a month in verifiable income.
Have an open checking account.
Have valid photo Identification.
Complete our easy Application.
We reserve the right to decline a request for an advance for any legitimate reason.
If you are applying at one of many office locations bring the following with you:
Your most recent checking account statement.
Income verification (pay statement).
State or government issued photo ID.
Check Book. |
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Is it safe?
Yes. We make every effort to ensure that your confidential information remains private. Our Website uses Secure Socket Layer (SSL) technology with signed digital certificates. Our technology encrypts all of your information to assure your privacy and safety. For more information see our security policy. |
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Are you licensed?
Yes. Unlike many of our competitors, we provide advances only in those states where we are licensed. Each state has its own set of regulations regarding payday advances, and its own auditing requirements. There are also federal regulations governing our Internet-based advance transactions. It is our policy to comply with all applicable state and federal laws and regulations. If you have any questions concerning our licensing, please contact the Idaho Department of Finance. |
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Do I need a fax machine?
A lot of our competitors require their on-line customers to fax completed forms in order to apply for a payday loan. We realize that not everyone has access to a fax machine, so we strive to minimize faxing; however, in rare instances, we may require you to fax certain documentation. |
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What if I've filed for bankruptcy?
In most cases, your prior bankruptcy history will not affect your payday loan approval; however, at a minimum, you must be able to provide us with your bankruptcy closing date. |
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Do you sell my information?
USA Cash Services takes your privacy very seriously. We do not sell your private information or tolerate the use of SPAM. We are committed to protecting your privacy. |
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How do I find out if I am approved?
You can find out if you will qualify for a payday loan by completing an Idaho online advance application. There is no cost or obligation for this pre-qualification service. Once you have completed the on-line application, we will send you an email indicating how much money you may borrow. If you decide to complete our Idaho online advance request, you will receive two emails from us. You should receive the first email within minutes confirming that we have received and are processing your request. You should receive the second email once your payday loan is approved. If you apply during our regular business hours, your payday loan will generally be approved in about one hour. |
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How do I contact you?
See our contact page.
Email us at info@usacashservices.com.
Call us toll-free at (877) 309-2274. |
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What are your business hours?
Monday - Friday 8 AM to 8 PM (Mountain Time)
Saturdays 10 AM to 3 PM (Mountain Time) |
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When can I get my money?
At USA Cash Services® we have streamlined our application process so that you can have your money as fast as possible. If your advance request is completed and approved during our hours (M-F 8 AM to 7 PM and Sat 10 AM to 3 PM (Mountain Time) you will generally receive your money the next business day!
Loan requests that are completed after our business hours will generally be processed our next business day. |
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How do bank holidays affect my loan?
We are open on many bank holidays. If you choose to receive your money directly into your checking account and your bank is closed, your payday loan advance will be delayed until your bank is open. When your bank is closed we cannot process payday loan advances that are deposited directly to your checking account. |
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What if I don't want the loan?
You have the right to cancel this loan without paying the Finance Charge. To do so, you must call us no later than 5:00 p.m. Mountain Time on the next banking business day following the date of this Agreement. We will debit your account for the Amount Financed without any additional charges, and we will cancel your loan. |
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How do I repay?
 Automatic Payment (Our computers automatically withdraw repayment funds from your account on the due date.)
Pay in cash at one of our many office locations.
If you cannot repay, you may be able to extend your Idaho cash payday loan. See "What is an extension" for more details. |
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What if I need an extension?
You may be able to extend your Idaho cash advance. To do so you will need to know your advance terms:
Current advance amount
Original start and due date
Current due date
Idaho regulations require us to deny your request if your current advance terms are incorrect. Incorrect requests must be resubmitted. Contact us toll free (1-877-309-2274) if you are unsure of your advance terms. Under Idaho law, a deferred deposit advance may only |
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Can I pay off my advance early?
Yes. You may prepay your advance at any time without penalty. To pay off early visit one of our many office locations or contact the web department and we can automatically debit your checking account for an early payoff. |
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What if I cannot repay my advance?
Call us immediately! Our computers are set up to withdraw funds automatically from your checking account on the due date. If you cannot repay, you may be eligible to extend your Idaho cash advance. If you cannot extend your advance and you know that there are not enough funds in your checking account it is important that you contact us toll free (1-877-309-2274) before your loan is due. Contacting us prior to your due date may save you (and us) costly bank overdraft (NSF) fees. |
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What if I default on my advance?
IIf you do not repay your advance or contact us to make acceptable payment arrangements, we may report information about your advance to Teletrack, a national database used by most payday advance companies nationwide. Late payments, missed payments or other defaults on your advance transaction may be reflected in your history with Teletrack. |
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How soon can I get another advance?
An advance is a short-term loan designed to help you make ends meet, it is not intended to be a long-term solution. Idaho regulations allow you to request another advance. Once your bank confirms with you that your advance has been paid, you are welcome to submit another online Idaho cash advance request. |
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What other services do you provide?
USA Cash Services provides a variety of services:
Advances
Platinum debit cards
Tax services |
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