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Cash Advance in Asheville, 28801

Customer centered service

Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.

Easy application process

We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply either by phone or online.

Loans for low credit score

We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.

Our main advantages

Swift is one of the most flexible and trustworthy finance houses in the great sun-soaked city of Los Angeles, California. While there are many things that set Swift apart from its competitors, here’s what customers should know about the Swift difference.

3 Easy Steps To Get a Cash Advance Loan in Asheville


Get Started

Fill in the simple online inquiry form and you can get connected swiftly to trusted third-party lenders in our network.


Get an Offer

The lender will present you with a cash advance loan offer that suits your financial needs.


Get Your Cash

Once you sign the loan agreement, the cash can be yours in no time, sometimes even on the next business day.



Fast Access To Cash

Bad Credit Is Not A Deal-Breaker

No Collateral Required

Minimum Paperwork

Use The Money For Any Purpose



Source Of Income

Checking Account

Valid Identification



Fill In The Online Inquiry Form

Get Connected By A Trusted Third-Party Lender

Receive & Review The Offer

Sign The Contract

Get Cash

A Comprehensive Guide to Cash Advance in Asheville, North Carolina

In the scenic city of Asheville, North Carolina, life may seem serene and tranquil, but residents aren’t immune to the financial hiccups that can disrupt anyone’s life. Whether you’re facing unexpected medical bills, urgent home repairs, or short-term cash flow issues, a cash advance can be a quick and convenient solution. This guide aims to provide a thorough overview of cash advance options in Asheville, how they work, how much you can borrow, and what you need to qualify. Note that US Cash Advance is not a direct lender but connects borrowers with a network of trusted third-party lenders.

What is a Cash Advance in Asheville, North Carolina?

A cash advance is a short-term financial arrangement designed to provide you with immediate funds to cover unexpected expenses. It offers a way to bridge the gap between paydays when you find yourself short on cash.

How It Works

The cash advance process in Asheville is relatively straightforward. You start by filling out an inquiry form detailing your financial needs. This inquiry is then reviewed, and if approved, you receive the funds either directly in your bank account or in cash, depending on the lender. The expectation is to repay this amount by your next payday or within a specified short-term period.

How Much Money Can You Get?

In North Carolina, including Asheville, cash advance loans can vary in amount, often determined by your income and the lender’s policies. Usually, these amounts can range up to $500. It is advisable for first-time borrowers to start with a smaller amount and work their way up as they build trust with the lender.

What Are the Requirements?

To qualify for a cash advance in Asheville, you generally need:

  • Proof of steady income
  • A valid ID
  • An active bank account
  • To be at least 18 years old

What’s the APR?

Interest rates for cash advances can be high, often exceeding an annual percentage rate (APR) of 400%. This high APR reflects the short-term nature of the loan and underscores the importance of repaying it quickly to avoid additional charges.

Repayment Schedule

Cash advances are typically expected to be repaid by your next payday. Failure to meet this deadline could lead to additional fees and increased interest rates, making the loan more expensive.

Alternatives to Cash Advance

Before opting for a cash advance, it may be wise to explore other alternatives like personal loans, borrowing from friends or family, or tapping into savings if available.

Pros and Cons of Cash Advance in Asheville

Navigating the financial landscape can be challenging, especially when unexpected expenses arise. While cash advances offer a convenient solution, it’s crucial to weigh the pros and cons before deciding if this short-term financial product is the right fit for your needs.


1. Quick Access to Cash

One of the most significant advantages of cash advances in Asheville is the speed with which you can access funds. When you’re in a financial bind, time is of the essence. Cash advance providers often approve applications quickly, sometimes in as little as a few minutes. Once approved, you can receive your funds almost immediately or within the next business day. This swift turnaround can be a lifesaver when you’re facing urgent expenses that can’t wait.

2. Easy Qualification Criteria

Cash advances usually have less stringent qualification requirements compared to other forms of credit. Most lenders will primarily look at your ability to repay the loan, focusing on factors like steady income rather than an impeccable credit score. This makes cash advances a more accessible option for people with poor credit or those without an extensive credit history.

3. Flexibility in Spending

Cash advances don’t come with usage restrictions. Whether you need to pay for car repairs, medical bills, or other unexpected costs, you’re free to use the funds as you see fit. This flexibility can be particularly helpful in emergency situations where you need a wide latitude in how you allocate the money.


1. High APR

The convenience and accessibility of cash advances come at a cost—high interest rates. It’s not uncommon for cash advances to have an Annual Percentage Rate (APR) of 400% or higher. The high APR can quickly increase the amount you owe, making it challenging to repay the loan if you’re not careful.

2. Short Repayment Terms

Cash advances are designed to be short-term solutions. This means you’ll often have only a couple of weeks to repay the loan in full, along with any fees and interest. The short repayment term can create a cycle of debt if you’re unable to pay back the loan on time, requiring you to take out additional loans and incurring more fees and interest.

3. Risk of Accumulating Debt

Given the high APR and short repayment terms, cash advances can lead to a cycle of increasing debt if not managed carefully. If you find yourself continually relying on cash advances, it may be a sign of underlying financial issues that need to be addressed to avoid long-term debt.

By understanding these pros and cons, you can make an informed decision about whether a cash advance is the best solution for your immediate financial needs in Asheville. Always read the terms carefully and make sure you can repay the loan on time to avoid additional costs and a potential debt spiral.

Online Payday Loans in Asheville

Getting a cash advance online is another convenient option. These loans function similarly to their traditional counterparts but offer the added advantage of a quick and paperless process.

How Do Online Cash Advances Work?

The process for obtaining an online cash advance in Asheville is simple. You fill out an online inquiry form, which is then reviewed for approval. If approved, the funds are transferred directly to your bank account, often as quickly as the same day or the next business day.

How to Choose an Online Lender

When selecting an online lender, ensure they are reputable and transparent about their terms and conditions. Always read reviews and make sure you understand the repayment terms and fees associated with the loan.

How US Cash Advance Works

US Cash Advance serves as a middleman between you and potential lenders. By filling out an inquiry form on the US Cash Advance website, you can be connected to a network of trusted third-party lenders. This increases your chances of getting approved and receiving favorable terms.


Cash advances can be a valuable financial resource when you find yourself in a pinch. However, due to their high interest rates and short repayment terms, they should only be used for short-term financial needs. Always do your due diligence, explore all available options, and make sure you understand the terms before accepting a cash advance.


What’s the maximum amount I can borrow via a cash advance in Asheville?

The maximum amount typically ranges up to $500, depending on various factors like income and lender policy.

Are online cash advances available in Asheville?

Yes, online cash advances are available and offer a convenient, fast way to secure short-term financing.

Is bad credit a hindrance to getting a cash advance?

Most cash advance lenders focus on your ability to repay rather than your credit score, making it easier for people with bad credit to get approved.

What happens if I fail to repay on time?

Late repayments can result in additional fees and higher interest rates, so it’s crucial to ensure you can repay the loan on time.

How can US Cash Advance assist me?

US Cash Advance can connect you with a network of trusted third-party lenders, increasing your likelihood of approval and finding a loan with favorable terms.

Are there alternatives I should consider before taking a cash advance?

Alternatives can include personal loans, borrowing from friends or family, or using savings if available.


Phone number

(828) 882-2085



12 Patton Ave ste 204, Asheville, NC, 28801


Open hours

Mon – Fri:

9am – 7pm


10am – 4pm





Fast Process

When you need money urgently, fill in the online request form and you won't believe how fast you can get the loan approved.

Near Locations


236 W Tremont Ave #102, Charlotte, NC 28203


202 N Tryon St unit 201, Charlotte, NC 28202


828 Providence Rd ste 100, Charlotte, NC 28207

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