Established in 1997 as well as based in Des Plaines, Illinois, AmeriCash Loans offers economic solutions to people with poor credit report.

This lending institution does not provide regular cash advance. Instead, it uses longer-term installment loans, additionally referred to as personal loans, in twelve states, with more than 50 shop borrowing areas.

Just like all temporary loans, consumer loan quantities as well as terms vary by state, according to local legislation. In general, AmeriCash loan quantities range from $50--$ 2,500 and also loan terms last for approximately 18 months.

In some states, this lending institution offers a maximum loan amount of as much as $4,000. Annual percentage rates (APRs) are lower than those permitted with conventional payday loans, however still differ as much as 521 percent.

To complete a loan application, you will certainly require:

  • A verifiable financial institution or examining account

  • Proof of revenue

  • A valid motorist's certificate or state ID

Whether getting a loan online or personally, AmeriCash does not perform a credit check. Your application will not be reported to any type of credit score bureaus, as well as loan authorization isn't based upon your credit report.

The Excellent

  • Service Transparency

  • Reference Program

  • No Early Payment Fines

  • Service Transparency

The AmeriCash internet site supplies helpful info about its loans, consisting of lawful info, APR disclosures, and also images of its official state registration certificates. With many payday advance loan borrowing companies, these notifications are commonly difficult (or impossible) to discover.

AmeriCash clients can finish a simple on the internet loan application in a matter of minutes and can obtain their funds within as little as 1 day after their application obtains accepted.

Recommendation Program

A client referral program is used for AmeriCash clients.

If a pal or member of the family is approved for a loan as well as uses your referral ID number or uses via your customized account link, you can get as much as $100 as well as your referred family member obtains $50 credit report towards a brand-new loan.

No Early Payment Fines

AmeriCash offers different repayment alternatives. First, consumers can follow the pre-set installment settlement timetable.

Next off, you can pay your loan in full without any early repayment charges. Last, you can pay partial or early repayments towards the principal at any moment, likewise without any early payment fines.

The Bad

  • APR Fees

  • Fees

  • APR Fees

Just like various other installation loan lending institutions or payday lending institutions, rate of interest are extremely high. As this company uses longer-term loans, its rates are low, but still would be high for somebody trying to get out of debt.

Prices differ by state regulations, but the highest APR that this business offers is 521 percent. This contrasts to payday advance interest rates of up to 1,000 percent.


As with any type of customer lender, you might be subject to costs, consisting of late payment costs as well as NSF or not enough funds costs, if a repayment is turned down by your banks.

All-time Low Line

Its loans are more effective to those offered by payday loan companies if AmeriCash is an option in your state.

If you are in a bind, this is a lower-risk option than a payday-type loan and gives you the very same fast cash, yet you can obtain extra for a longer duration. You don't need to repay the loan in one round figure.

Loan FAQ


An installation loan is a loan that is paid back with a series of repayments. Check out our article on installation loans below.


The amount you're accepted for is based upon a number of aspects, several of which is gathered from the information you provide in your initial AmeriCash Loans application.

There are likewise state-mandated loan quantity limitations. Please visit your State page to check out loan Fees & Terms.


When you apply before 11:30 a CST with all required files, underwriting authorization and signatures, you are eligible to get your cash in your bank account the same day. Restrictions may use.


You can benefit from the complying with settlement options:

Installment Settlements: You may repay your loan principal plus built up charges via a variety of set up settlements transformed the loan term.

Complete Repayment: You might repay your loan in full at any moment without any prepayment fees.

Early or Partial Payment: You may make a early or partial major settlement on your loan any time with no prepayment charges.


If you presently have an energetic loan please contact our Customer Service Team using email at or by phone at 888.907.4227

Please see our Fees & Terms pages by state for even more information:

  • Illinois

  • Missouri

  • South Carolina

  • Wisconsin