Scams FAQ

1.  Will my personal information be protected?

2.  Will CashAdvance.com call or email me about my loan?

3.  Does CashAdvance.com lend money?

4.  Who should I contact if I have a problem with my loan?

5.  How do I know if a debt collector is legitimate?

6.  What are some warning signs of predatory lending?

7.  How do I spot a scam debt collection caller?

8.  How do I know my payday loan lender is legitimate?

9.  What kinds of scams should I be especially aware of?

10.  What can I do to protect myself from scams?

11.  Will CashAdvance.com ever call or email me about my personal information?

12.  Will CashAdvance.com ever call or email me about a late or missed loan payment?

13.  How do I contact CashAdvance.com?

14.  Who should I contact if I think I have been the victim of a scam?

15.  What are my rights as a borrower?

16.  Can I go to jail if I don’t pay my loan back?

1.  Will my personal information be protected?

Yes. When using CashAdvance.com, you can rest assured that the site will protect all your information. An easy way to test this is by clicking on the security service seals at the top of every page. McAfee Secure, Truste, and VeriSign all check CashAdvance.com to ensure it is secure?

2.  Will CashAdvance.com call or email me about my loan?

No. CashAdvance.com is not a lender of payday loans. As such, CashAdvance.com will have no need to contact you about the details of your loan, either via phone or email. Consumers have reported phone calls from scam artists purporting to represent CashAdvance.com. These are criminals attempting to steal your money or personal information.

3.  Does CashAdvance.com lend money?

No. CashAdvance.com acts a facilitator for borrowers to connect with businesses in the CashAdvance.com Network of Lenders. When you enter into a loan contract, it is with that lender, not CashAdvance.com, with whom you are doing business.

4.  Who should I contact if I have a problem with my loan?

If you are having trouble making a payment, you should contact the lender of your loan immediately. CashAdvance.com does not control lender policy, nor is CashAdvance.com a lender. If you are concerned about predatory lending or wish to file a complaint against your lender, please visit the CashAdvance.com Consumer Protection page in the Consumer Resource section for your state of residence as well as the Consumer Scam Protection page. Also, visit The Scam Report, a scams community forum, and let the user community know about what happened to you, get tips and advice from other customers, and learn from their experiences.

5.  How do I know if a debt collector is legitimate?

Most states require lenders operating within their borders to be licensed and registered with a particular government agency. Check the Consumer Resource section for your state in order to find out the particular agency and contact info for where you live. There are also certain ways which you can Spot Debt-Collection Scams.

6.  What are some warning signs of predatory lending?

A recent crackdown on predatory lenders and increased regulation of the industry have greatly reduced cases of illegal lending practices. Unfortunately, it has entirely eradicated every instance. Some warning signs include: an interest rate above the state maximum, an unwillingness to disclose the details of your loan (as required by the Truth in Lending Act), or allowing, even telling you perhaps, to falsify information on your loan application with your lender.

7.  How do I spot a scam debt collection caller?

The Fair Debt Collection Practices Act requires that the collector send you written verification of who they are within five days of calling.

They cannot threaten you with jail or threaten that they will publish your name on a borrower “blacklist.” They cannot call use abusive or vulgar language when speaking to you and cannot call you at work after you tell them they can’t. Any caller engaging in one of these practices is either a scam artist, or is a legitimate lender who is breaking the law.

In either case, check the CashAdvance.com Consumer Resource for the Consumer Protection Agencies in your local area. This will give you the contact info of various organizations to call in your state. You can also visit our Consumer Scam Protection page for more information on federal agencies to which you can report your scam incident. For more information, check the Debt-Collection Scam page.

8.  How do I know my payday loan lender is legitimate?

CashAdvance.com only allows licensed lenders into the Cash Advance Lender Network. You can also research the name of your specific lender by contacting the state lender registry. As this may differ from state the state, check the CashAdvance.com Consumer Resource to find the specific info for where you live.

9.  What kinds of scams should I be especially aware of?

The scams most commonly associated with cash advances are debt collection calls claiming to be from CashAdvance.com or erroneously claiming you owe them money. Criminals trying to sound like a legitimate business may use a reputable name like CashAdvance.com as a means of tricking people into giving away their personal information or sending away money to pay for a loan. Here is more info on that topic.

It has been reported that scam callers have been able to give personal information about their victims. Please keep in mind that these callers may have already stolen info about you prior to calling. This information can then be used a ways of making their request for money more legitimate.

10.  What can I do to protect myself from scams?

Keep records of any loans you may have. This way a caller cannot trick you into making a payment on a loan that doesn’t exist.

Read through the scam articles CashAdvance.com provides in the Scams section of the website. You can also find information on the website for the Federal Trade Commission and the Better Business Bureau.

As a general rule, never release any information unless you can verify who they are through independent resources. For more resources check the CashAdvance.com Consumer Scam Protection page and The Scam Report, a scams community forum.

11.  Will CashAdvance.com ever call or email me about my personal information?

No. CashAdvance.com will not call or email you requesting personal information.

12.  Will CashAdvance.com ever call or email me about a late or missed loan payment?

CashAdvance.com will never contact you about a late or missed payment. CashAdvance.com is not a payday loan lender, nor is it a debt collection agency. CashAdvance.com provides consumers with a variety of lenders through which they can receive payday loans, and does not charge any fee for this service. See our Rates & Fees page for more information.

13.  How do I contact CashAdvance.com?

If you have a question or comment about your CashAdvance.com experience, please feel free to contact CashAdvance.com at:

Or if you have a scam to report, please email:

14.  Who should I contact if I think I have been the victim of a scam?

You can file a complaint with the Federal Trade Commission or the Better Business Bureau. States also have their own in-state agencies to handle scam complaints. Go to the Consumer Scam Protection page as well as the CashAdvance.com Consumer Resource section for your state and check the Consumer Protection page for more info.

Visit The Scam Report, a scams community forum, and let the user community know about what happened to you, get tips and advice from other customers, and learn from their experiences. Please note that while your personal information will never be used, advisories and alerts may be generated from the information you provide. For additional information, you can also send emails to

15.  What are my rights as a borrower?

The Truth in Lending Act guarantees certain rights to borrowers. You are entitled to seeing all the fees, rates, and possible charges associated with your loan before you sign any contract. Read our articles on the FDCPA and Knowing Your Rights in our Scam Advisory section. You can also find additional agencies and information on our Consumer Scam Protection Agencies & Resources page and  The Scam Report, a scams community forum. Each state also has its own laws and regulations on payday loans. To learn more about them, check the Consumer Resource section for your state.

16.  Can I go to jail if I don’t pay my loan back?

No. The United States of America does not jail people for failure to repay payday loans. In some states, though, it may be possible for civil charges to be filed. Check the Consumer Resource section on the Laws & Regulations for your state to learn more.