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Allied Cash Advance

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Allied Cash Advance is a lender offering short-term financial solutions in the form of payday loans, lines of credit, and installment loans, to people in 20 states. With a focus on consumers with bad credit, this lender offers both in-store and online loans. Bear in mind that all loan options, rates, and terms available at each location are governed by local and federal government regulations protecting consumers from the payday loan industry. 

Borrow In-Store

Financial services are available at more than 70 Allied Cash Advance locations in the following states:

  • Arizona — Installment loans ($250 to $5000)
  • California — Payday loans($100 to $255), Choice Loan, a longer-term installment loan
  • Indiana — Payday loans ($50 to $605)
  • Michigan — Payday loans ($50 to $600)
  • Virginia — Line of Credit ($250 to $1500)

Individuals applying for a payday, personal loan, or line of credit at an Allied Cash Advance location will need the following: 

  • Valid U.S. government-issued photo ID or Matricula Consular card
  • Proof of active checking account
  • Proof of current income
  • Valid phone number

In-store applicants can receive their funding before they leave the store. 

Borrow Online

All online loan applications started through the Allied Cash Advance website are evaluated, processed, and funded through a third-party lender, Check ‘n Go. Customers can apply for an online payday loan, also known as a cash advance loan in the following states:

  • Alabama
  • California
  • Florida
  • Hawaii
  • Illinois
  • Indiana
  • Kansas
  • Maine
  • Michigan
  • Missouri
  • Mississippi
  • North Dakota
  • Nevada
  • Ohio
  • Oklahoma
  • Texas
  • Utah
  • Wyoming

Loan amounts, rates, and terms available depend on which state you reside in. Approved applicants can receive their funds as soon as one business day.

View Best Payday Loans

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The Good

  • Quick Funding
  • Less-than-Perfect-Credit
  • Repayment Options
  • Borrower Contact Options

Quick Funding

To save time and get things rolling faster, you can start the in-store application and approval process online before you go to the store. With Allied, customers can get money deposited as soon as the next business day and in-store payday loan applicants can receive cash before they leave the store.

Less-than-Perfect-Credit

When you apply, Allied does not do a credit check with the major credit bureaus. That means that your application won’t affect your credit report or credit score, and it won’t show up in your credit history.

Repayment Options

With Allied Cash Advance, a borrower has several ways to make a payment:

  • Automatic checking account withdrawal
  • Pay in-store
  • Pay online
  • Pay over the phone (requires a $4.95 service fee)

Borrower Contact Options

One thing to look for in payday loan companies is an easy way to contact customer service with questions or concerns. With Allied, both individual store phone numbers are provided, as well as a 1-800 number. Additionally, if you wish to contact Allied Cash, you can fill out an online contact form to start an email dialogue with a customer service representative. 

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The Bad

  • Online Loans Through Check ’n Go
  • APR Information
  • Virginia Lawsuit

Online Loans Through Check ‘n Go

When a customer applies for a loan online through Allied Cash Advance, they need to know that Allied is not the direct lender. It is referring your loan to a third party company. In this case, Check ‘n Go, a well-known payday lender, services Allied's online customers looking for payday and personal loans in other states.

APR Information

It is difficult to find any information on the company's site about interest rates on potential loans. This makes it hard for borrowers to make an educated decision when weighing pros and cons of different loan providers.

While it is understood that a lending institution like Allied isn’t offering long-term financial solutions, it is fairly frustrating to not have any info about interest cost, let alone the annual percentage rate (APR). 

Potential customers must inquire about loan agreement rates and fees with employees at a local store location.

Virginia Lawsuit

In 2017, Virginia Attorney General Mark Herring brought a lawsuit against Allied Title Lending LLC and Allied Cash Advance for making illegal, unlicensed loans at 273.75 percent APR and charging the consumer $100 origination fees on lines of credit, making the loan agreement against the law. The lending practice violates the Virginia Consumer Protection Act and the Attorney General is seeking restitution on behalf of borrowers.

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The Bottom Line

Allied Cash Advance offers short-term lending products and services in five states to people with less-than-perfect credit. While the company doesn’t offer directly financed online loans, it refers customers who apply online to Check ’n Go for cash advance loans and installment loan programs.

While the lender offers several ways to repay the loan and options to contact customer service, it is a bit troubling that the financial information like origination fees and interest rates are hard to find on the company’s site. Additionally, in the last few years, Virginia’s Attorney General opened a lawsuit against the company to account for unlawful illegal lending practices.

Have you borrowed from Allied Cash Advance? Let us know about your experience with a quick review below. 

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Jackie Lewis Richmond, VA

Khadizha F answer all my questions and had a great pleasant friendly attitude. I was having a rough day and khadizha and the young lady next to her had me laughing while my paper work was being processed. Very professional and while the interest rate was high she informed me the correct and true information. When I walked in she greeted me and was very Friendly made me feel so much better about needing to have to result to use a cash advance.

1 year ago

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Drake Hogestyn Virginia Beach, VA

This business is worth avoiding , It seems that they expect you to have perfect credit. During both times that I went to apply, I only saw one customer waiting in the lobby, This biased company is too picky as to who they sign up for business. The sales promotion that I got in the mail about Allied Cash Advance is misleading.

1 year ago

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