Borrow $200 to $5,000. Compare cash advance apps, personal loans and payday alternatives in plain English, with costs checked against CFPB, Federal Reserve and FDIC data.
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Plan first, borrow smartCompare costs before you sign anything
Get matched with a lender
Request $200 to $5,000. Free to submit, and you decide whether to accept any offer.
HeyCash USA is not a lender. When you submit this form, your information is shared with lenders and partners in our network who may contact you. Approval, amount, APR and terms are set by the lender and depend on your state and credit. HeyCash USA may be paid when you submit a request. Rates, terms and disclosures
Our figures come straight from primary sources
Federal ReserveCFPBFDICNCUAIRSBureau of Labor StatisticsFTCFederal ReserveCFPBFDICNCUAIRSBureau of Labor StatisticsFTC
How HeyCash works
Request $200 to $5,000 in three steps. It costs nothing to submit, and you're never obligated to take an offer.
Tell us how much you need, your income and a few basic details. It takes about two minutes.
Lenders review your request
Your request goes to lenders and partners in our network. Some may check your credit, which can include a hard inquiry.
Review any offer, then decide
If a lender makes an offer, check the APR, fees and repayment terms before you sign. You're free to say no.
Rates, terms and what to expect
The lender, not HeyCash USA, sets your final rate and terms. Here's the range you can expect from lenders in our network.
At a glance
Loan amounts
$200 to $5,000
APR range
[min]% to [max]%
Repayment terms
[min] days to [max] months
Fees
Set by each lender. May include origination, late or returned-payment fees.
Cost to use our form
Free
Representative example
Borrow $1,000 for 12 months at 24.00% APR
Monthly payment$94.56
Total interest$134.72
Total repaid$1,134.72
Example assumes no origination fee and on-time payments. Your actual APR depends on the lender, your state and your credit profile.
Before you borrow
What happens if I pay late or miss a payment?
Lenders may charge late fees or returned-payment fees, as set out in your loan agreement. Missed payments may be reported to credit bureaus and can lower your credit score. After continued non-payment, a lender may send the debt to a collection agency or take legal action as allowed by your state's laws. If you think you'll miss a payment, contact your lender right away, since many offer hardship or payment plan options.
Can my loan be renewed or rolled over?
Renewal policies depend on the lender and your state, and some states limit or ban rollovers. A renewal usually adds new fees, so ask the lender for the total cost in writing before you agree.
Will lenders check my credit?
Submitting our form is free. Lenders in our network may check your credit with the major credit bureaus or with alternative data providers. A hard inquiry can lower your score slightly for a period of time.
Is this available in my state?
Not every lender operates in every state. Loan amounts, rates and terms depend on your state's laws and each lender's criteria. Submitting a request does not guarantee a loan offer. See loan rules by state.
How is my information used?
Information you submit is shared with lenders and partners in our network to process your request, and they may contact you by phone, email or text. Read our Privacy Policy for details, including how to opt out.
Pick what you need today
Six hubs, each packed with step-by-step guides, comparisons and calculators.
Every number links to a regulator, federal survey or the lender's own terms.
Named reviewers
Each guide shows who wrote it, who reviewed it and when.
Ranked by cost
Partners can't pay to move up our comparisons.
Open corrections
Found an error? We fix it and log the change on the page.
Who's behind HeyCash USA
We're a small team of writers and editors who explain money decisions in plain English. Every guide carries the name of the person who wrote it and the person who checked it.
For many people it's a Payday Alternative Loan (PAL) from a federal credit union. The NCUA caps PAL interest at 28% APR, compared with roughly 400% APR for a typical two-week payday loan. You usually need to be a member first, so join before an emergency.
How do I turn a payday loan fee into an APR?
Divide the fee by the amount borrowed, multiply by 365, divide by the loan length in days, then multiply by 100. A $15 fee on $100 for 14 days is about 391% APR. Or use the fee-to-APR calculator.
Do cash advance apps check my credit?
Most look at your bank account history and income deposits instead of running a hard credit check. Subscription fees, express transfer fees and optional tips all add to the cost.
Submitting the form itself is free. Lenders who review your request may check your credit, and a hard inquiry can lower your score slightly for a while. Ask a lender which type of check it uses before you accept an offer.
Is HeyCash USA a lender?
No. We don't make loans or credit decisions. If you use our request form, we share your information with lenders and partners in our network who may contact you, and we may be paid for that. Our guides and rankings stay independent.
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