Payday Loan. Cash Advance. Essentially, they’re the same thing. Here, we call it an Amscot Cash Advance* to emphasize one of the most convenient aspects of choosing Amscot. While other providers may give you a check, our approved Cash Advance customers walk out with cash!

When things come up, you could get up to $500 in minutes.

Why is a Cash Advance (Payday Loan) a popular money management tool? Not only is it fast and convenient, it often costs less than late fees on an overdue bill. Below are some more helpful links. Or, click the "Get Started" button on this page if you’re ready for the next step.

Why do so many Orlando residents choose Amscot for a Cash Advance?

  • No credit checks, no hassles.
  • Our approval process is very fast because we know your time is valuable.
  • We charge some of the lowest Payday Loan fees in the industry.  View APR/Fee Schedule.
  • We’re there when you need us, 365 days a year. And some locations are open 24 hours!
  • Amscot is licensed by OFR, and regulated by state and federal laws. 
Payday Loans

How does an Amscot Cash Advance work?

First, complete our short Cash Advance application. Once you sign the agreement, you’ll write us a check for the payday loan amount plus Amscot’s fee. Then we’ll give you cash on the spot and hold on to your check until your next payday when repayment is generally due. How much does Amscot charge? We charge a flat, one-time fee, and it’s one of the lowest payday loan fees in the industry. Learn more about Amscot Cash Advance in Orlando

Compare the Savings - Payday Loans

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 for more information.

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

From Payday Loans to Notary Services ... we do it all.

Amscot became known as The Money Superstore® for a good reason. In addition to an Amscot Cash Advance (payday loan), you’ll find a full gamut of convenient financial services. You can cash checks. You can get free, unlimited money orders. You can pay your bills electronically. Wire money. Send a fax. Make copies. Buy stamps. And use a well-lit, accessible ATM inside the branch. You can even obtain and load an Amscot Prepaid Mastercard. Need something notarized? Come on in! Each branch has a notary on duty 365 days a year, early to late – and we even have 24-hour locations for added convenience.

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. 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 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.