Zero Application Fee
It won’t cost you anything to submit an application for approval at Alpha Cash Advance or to view your results on our network. We are not a lender, and we do not provide loans directly to consumers - instead, we connect our customers with qualified lenders who are a fit for their lending profiles using an extensive database of lenders and borrowers. You will have access to the results free of charge, and can choose whether or not to pursue a loan at your discretion.
Payday Loan Fees & Rates
Your fees and lending rates are determined entirely by the lender, and will be discussed when you are approved for a loan.
Once we have processed and approved your application, you will be directed to a loan offer on the website of the most appropriate lender for your situation, which will contain complete information about loan rates, repayment terms, and any applicable fees. All rates and fees are determined by the individual lender based on your application information; Alpha Cash Advance has no control over the offer you are given. They will almost always be higher than bank loan rates because they are provided much more quickly and without a credit check.
You are not obligated to accept these terms, but if you wish to continue with the loan process, it is up to you to read all the details of the loan and verify that they are appropriate and acceptable. If you agree with all the terms and conditions of the loan offer, you'll be asked to add your electronic signature to the document to authorize the transfer of funds. It typically takes anywhere from a few hours up to one business day to receive a cash advance.
Our customers often assume that a poor credit history will automatically mean higher rates, but this is not the case. Because we never conduct a credit check, neither Alpha Cash Advance nor your lender will ever know whether your credit is good, bad, or nonexistent. Your credit score can't and won’t affect the rate of your loan or your ability to secure one with any of the lenders in our network.
The Truth in Lending Act
The Truth in Lending Act requires all lenders to inform borrowers of every aspect of the rates, fees, and charges that may be incurred. You will be provided with full and complete information about the rates and terms of your loan, and you can always choose to decline any offer rather than accepting terms you find undesirable.
State Rate & Fee Regulations
While each lender determines its own rates, local laws and regulations may be a factor in some cases. Lending laws vary from state to state, and some states are unfriendly to short-term lending. It's a good idea to review the details of the laws around payday loans in your state before moving forward. See our Customer Resource Center for details or choose your state from the list below: