When things come up, apply for an Amscot Cash Advance* and get up to $500 cash with no credit checks.** 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!

Click Get Started to select your location and answer a few simple questions. An Amscot Associate will call you, usually within 20 minutes, to answer any questions before you come to the branch.

Cash Advance Rates and Fees

Select the amount you would like to borrow

Pay Cycle:

14 Days

1 Payment of:
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Amount Borrowed:
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Finance Charges:
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Annual Percentage Rate:
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Assumes a 14-day term. Cash Advances are subject to approval. Examples provided are for typical advances to qualified applicants. Other loan amounts are available and subject to approval. 


Amscot cash advance versus alternatives chart

Amscot cash advance versus alternatives chart

For a $100 cash advance, the fee at Amscot is $13.00. The fee is equivalent to 10% of the amount advanced, plus a $3.00 verification fee per transaction. Annual Percentage Rate (APR) for the $100 cash advance example is 338.93% assuming a 14 day hold period. Chart Sources: CFPB CARD Act Report, 2013; CFPB Study of Overdraft Programs, 2013; Readex Research National Data on Short-Term Credit Alternatives, 2006; Bankrate.com Checking Account Survey, 2014; Moebs Services, 2012.

Why Amscot? 

  • No Credit Checks.
  • Fast approval process with cash in hand in minutes.
  • Some of the Lowest Fees in the industry.
  • 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 be eligible you must...

  1. Be at least 18 years of age
  2. Have a contact phone number
  3. Possess a valid government-issued photo ID
  4. Have an active checking account and provide account information (check or routing and account number)
  5. Show proof of income (latest pay stub, direct deposit, bank statement, etc.)

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 $3.00 verification fee, not the $5.00 limit allowed by law. Amscot is a member of and adheres to the "Best Practices" of INFiN.

Pursuant to a provision of the federal law and as a member of INFiN, 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.