When things come up, apply for an Amscot Cash Advance* and get up to $500 cash in minutes with no credit checks. Our cash advance (also known as a payday loan) is fast, convenient and often times less than late fees on an overdue bill.

Save time at the branch, get started now!

Save time at the branch, get started now!

 Compare the Savings

Compare the savings! Amscot Cash Advance vs a bounced check.

Amscot Cash Advance
Amount: $100.00
Fee: $12.00. $12.00 fee equals 10% of the amount advanced plus a $2.00 verification fee per transaction.

Bounced Check
Amount: $100.00
Fee: $54.00. Source: CFSA 2006 National Fee Survey from National Data on Short-Term Credit Alternatives. See cfsa.com for more information.

Annual Percentage Rate (APR) for the cash advance example is 312.86% assuming a 14 day hold period.

Why Amscot? 

  • No Credit Checks.
  • Fast approval process with cash in hand in minutes.
  • Some of the Lowest Fees in the industry.  View APR/Fee Schedule.
  • Open 365 days a year with many 24-hour locations.
  • Amscot is licensed by OFR, and regulated by state and federal laws. 

How it works... 

Complete a short application, sign an agreement, and write a check for the loan amount plus fee. Receive cash on the spot and we will hold your check until your next payday when you’re due to repay. Amscot charges a flat, one-time fee for its service.

To get started you must... 

  1. Be employed or have a verifiable, recurring source of income
  2. Provide us with a phone number that we can consistently reach you at
  3. Have an open and active checking account in good standing

Then show us... 

  1. A valid government issued photo ID (i.e. driver's license)
  2. Proof of income (pay stub, direct deposit, bank statement, etc.)
  3. Your check or account information


To get started with your Cash Advance and save time when you get to the branch, click HERE.

Amscot is regulated by state and federal laws.  We operate only in Florida, a state with some of the strictest consumer-protection laws in the United States and have many convenient locations to serve you.  We only charge a $2.00 verification fee, not the $5.00 limit allowed by law. Amscot is a member of and adheres to the "Best Practices" of the Community Financial Services Association of America ("CFSA").

Pursuant to a provision of the federal law and as a member of the CFSA, Amscot cannot offer you a cash advance if you are an active member of the military or his/her spouse or dependent. For more information related to this law please click here.




*You must be 18 years or older, a Florida resident, and you cannot have any outstanding cash advances with Amscot or any other provider. Some restrictions apply. Getting started online by clicking the Get Started Now button does not constitute an online application, to apply you must come into an Amscot branch location. If your check is dishonored a return check fee and non-sufficient funds fees may apply. As a member of CFSA, Amscot abides by the Fair Debt Collection Practices Act, as applicable, to collect past due accounts. Non-payment does not affect your credit score. Amscot does not offer automatic renewals. APR 271.14% to 365.00%. APR example provided is representative range based on a fourteen (14) day hold period with one payment. Amscot is licensed by the Office of Financial Regulation pursuant to Florida law governing Money Service Businesses. CUSTOMER NOTICE: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.