Installment & Payday Loans

Cash Advance and Pay Day Loans - Up to $1500! Found a lower rate? We will match all advertised rates
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Fast Cash
  • Easy Same Day Approval Easy Same Day Approval
  • Up to $1500 Up to $1500
  • No Fax option No Fax option
  •  Low Fees - Just $19! Competitive Rates
  •  Direct Lender Direct Lender
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Do you make at least $1,200 per month after taxes?
Have you had an open and valid checking or savings account for at least 3 months?
Have you been with your current employer for at least 60 days?
Do you regularly deposit at least $1200 per month into that bank account?
 










Now offering AccelaCa$h!

A1A Fast Cash provides loans to those in need of a little extra cash in the case of an emergency, to pay bills, to buy groceries or take that much needed vacation. Whatever the reason, A1A Fast Cash is here to help! Most applicants qualify for a cash advance or short-term loan simply by having a job and a checking account. Apply now and you could have the cash in your bank account tomorrow!

You can be approved for up to $1500 and your repayment of the advance is not due until your next payday (maximum 15 days). Learn more about fast cash.


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A payday loan (also called a payday advance or cash advance) is a small, short-term, loan secured against a customer's next pay check. Your job is your credit and your actual credit report is not reviewed. Other databases may be used to confirm your identity and verify you don’t have a track record of not paying back payday lenders. Legislation regarding payday loans varies widely between different countries and, within the USA, between different states. Be wary of companies that seem to use offshore call centers or where you can’t connect quickly with a live agent. At A1A Fast Cash, our call center is located in Delaware and you will work with the same handful of loan experts all the time so you can feel comfortable they know who you are, value your business, and can be trusted to take care of you. We are proud that we get more new customers from current customer referrals than any other source.

The basic loan process involves the lender providing a short-term unsecured loan to be repaid at the borrower's next pay day. Your first loan may be prorated if your payday loan is just a week away. If your lender isn’t prorating, ask why!

Consumers complete the loan application online (or in some instances via fax or on the phone). Typically, some verification of employment or income is involved (via pay stubs and bank statements). The loan is then transferred by direct deposit to the borrower's account, either the next business day or, even the same day (usually for a small fee), and the loan repayment and/or the finance charge is electronically withdrawn on the borrower's next payday.

On the maturity date, the borrower is expected to either pay the amount of the payday loan plus interest fees OR pay fees only and extend the cash advance an additional two weeks, at which time the original amount plus additional interest fees are due. At A1A Fast Cash, we will call and/or text you reminders to make sure you are prepared. We will work with you to understand whether you want to pay just your fee or payoff all or part of your principal, too.

Not sure a payday loan is right for you? Other options are available to most payday loan customers. These include pawnbrokers, credit union loans with lower interest and more stringent terms, credit payment plans, income tax refund anticipation loans, cash advances from employers, auto title or pawn loans, bank overdraft protection, cash advances from credit cards, emergency community assistance plans, small consumer loans and direct loans from family or friends.

Though rates may seem high in comparison to some options, every customer is in a different position and must make the best decision for himself or herself.

To compare apples to apples, consider the cost of typical situations a payday loan customer faces:

  • $100 payday advance with $19 fee = 495.36% APR
  • $100 bounced check with $48 NSF/merchant fees = 1,251% APR
  • $100 credit card balance with $26 late fee = 678% APR
  • $100 utility bill with $50 late/reconnect fees = 1,304% APR

A1AFast Cash is now offering installment loans. The state of Delaware, where we are licensed and bonded, has restricted customers to five payday loans 12 month period from Delaware lenders. They count each extension of an existing loan as a new loan, too, so you can be at your 12 month limit in a matter of weeks. As a result, we have a new product to keep your options open.

So what is an installment loan and why would you choose an installment loan instead of a payday loan?

First, a payday loan is typically a two week loan. You borrow $300 and the interest and principal is due on your next payday. Many people pay the interest only and extend or rollover the principal for another two weeks until they can either pay it down or pay it off. An installment loan has a set number of payments that you decide up front- usually 10, 12, 15, or 20. So if you borrow $300, each payment will include interest AND some principal. You will be paid in full on your last payment due date. You can see that if you did 10 installments to pay back $300 plus interest, they would have to be larger amounts than if you did 20 installments.

So installment loans can give you peace of mind- you know exactly what date your loan will be paid off on the day you take your loan out. They are also flexible at A1AFastCash.com because YOU choose the number of payments, not us. You can either pay off faster with larger payments or over a longer period of time with smaller payments. Payments are on a set schedule like the first and fifteenth, though, not on your payday, so keep that in mind.

Installment loans have a lower APR than payday loans, in most cases. There’s no prepayment penalty, either. Finally, existing customers may qualify for a larger loan amount than on a two-week loan.

When looking for fast cash via a payday loan or cash advance, be sure to work with a direct lender who has a good record with the Better Business Bureau and who doesn’t show up with lots of concerns listed in a search of consumer complaint sites or in online reviews.

While applying, check the fine print! If you see a line that says your application will be matched to a lender, beware! You are giving your sensitive data to a referral service who may be reselling your information to multiple payday loan providers. Not only is your very personal information being transmitted to people you haven’t personally selected to work with, but they may be looking you up on alternative credit databases like Teletrack. Each time you are looked up, a note is made on your file so it appears that you have applied to multiple stores even though you only applied in one place. That is a red flag for lenders so you may be at risk to be denied a loan.

A1A Fast Cash is a direct lender, not a reseller, and we are licensed and bonded in Delaware with an excellent reputation. Check our reviews out on SuperPages.com.