{"id":54862,"date":"2023-11-17T08:43:00","date_gmt":"2023-11-17T08:43:00","guid":{"rendered":"https:\/\/kiiky.com\/wealth\/?p=54862"},"modified":"2023-11-17T09:38:07","modified_gmt":"2023-11-17T09:38:07","slug":"cash-advances","status":"publish","type":"post","link":"https:\/\/kiiky.com\/wealth\/cash-advances\/","title":{"rendered":"Good-Credit vs. Poor-Credit Cash Advances","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<p><a href=\"https:\/\/kiiky.com\/wealth\/what-is-a-cash-advance-on-a-credit-card\/\">Cash advances<\/a> are short-term, small-dollar loans that let you take out money against your next paycheck. They offer quick applications and same-day funding, making them helpful for urgent expenses, upcoming bills, and many other uses.<\/p>\n\n\n\n<p>However, your credit score may impact which <a href=\"https:\/\/www.advanceamerica.net\/loans\/cash-advances\">cash advances<\/a> you qualify for. Some are available to borrowers with good credit, whereas others may be able to get poor-credit cash advances.<\/p>\n\n\n\n<p>This article will explain the differences between good-credit and poor-credit cash advances and help you decide best. Then, it\u2019ll explain a few <a href=\"https:\/\/kiiky.com\/wealth\/what-is-a-good-credit-score\/\">ways to improve your credit score<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-what-are-good-credit-cash-advances\" data-level=\"2\">What Are Good-Credit Cash Advances?<\/a><\/li><li><a href=\"#h-what-are-poor-credit-cash-advances\" data-level=\"2\">What Are Poor-Credit Cash Advances?<\/a><\/li><li><a href=\"#h-how-to-decide-between-good-credit-and-poor-credit-cash-advances\" data-level=\"2\">How to Decide Between Good-Credit and Poor-Credit Cash Advances<\/a><\/li><li><a href=\"#h-how-to-improve-your-credit-score\" data-level=\"2\">How to Improve Your Credit Score<\/a><ul><li><a href=\"#h-1-pay-bills-on-time\" data-level=\"3\">1. Pay Bills on Time<\/a><\/li><li><a href=\"#h-2-keep-credit-card-balances-low\" data-level=\"3\">2. Keep Credit Card Balances Low<\/a><\/li><li><a href=\"#h-3-maintain-a-diverse-mix-of-accounts\" data-level=\"3\">3. Maintain a Diverse Mix of Accounts<\/a><\/li><li><a href=\"#h-4-secure-the-right-cash-advance-for-you\" data-level=\"3\">4. Secure the Right Cash Advance for You<\/a><\/li><\/ul><\/li><li><a href=\"#h-conclusion\" data-level=\"2\">Conclusion<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-good-credit-cash-advances\"><span id=\"what-are-good-credit-cash-advances\">What Are Good-Credit Cash Advances?<\/span><\/h2>\n\n\n\n<p>Good-credit cash advances refer to any short-term loan that requires a FICO credit score within the excellent range. These loans offer better terms, including lower interest rates, but the downside is that they can be challenging to get approved for. <\/p>\n\n\n\n<p>They may require good credit history, and you may not be able to get approved without a good credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-poor-credit-cash-advances\"><span id=\"what-are-poor-credit-cash-advances\">What Are Poor-Credit Cash Advances?<\/span><\/h2>\n\n\n\n<p>These are designed for borrowers with low scores or no credit history. Many lenders who offer poor-credit cash advances have less strict credit score requirements and will often consider additional factors like income and current debts when deciding whether to approve you. <\/p>\n\n\n\n<p>This means that even if your credit score is low, you may still be able to get approved for the funds you need.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-decide-between-good-credit-and-poor-credit-cash-advances\"><span id=\"how-to-decide-between-good-credit-and-poor-credit-cash-advances\">How to Decide Between Good-Credit and Poor-Credit Cash Advances<\/span><\/h2>\n\n\n\n<p>Your credit score and history are the main factors when choosing between good-credit and poor-credit cash advances.<\/p>\n\n\n\n<p>A good-credit cash advance could be a good choice if you have an established credit history and a FICO score of 670 to 739. In these cases, you may qualify for lower interest rates and fees.<\/p>\n\n\n\n<p>Poor-credit cash advances can work better for people with no credit history or a low credit score. While poor-credit cash advances usually come with higher interest rates and fees than good-credit cash advances, you may still find a loan with good terms by shopping around and comparing lenders.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-improve-your-credit-score\"><span id=\"how-to-improve-your-credit-score\">How to Improve Your Credit Score<\/span><\/h2>\n\n\n\n<p>Here are some tips to improve your credit score, allowing you to access better loans:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-pay-bills-on-time\"><span id=\"1-pay-bills-on-time\">1. Pay Bills on Time<\/span><\/h3>\n\n\n\n<p>Paying your bills on time long-term is the best way to build your credit. Payment history and credit history length are the top two factors for calculating your credit score.<\/p>\n\n\n\n<p>Payment history measures whether you\u2019ve had any late or missed payments. Credit history length looks at how long you\u2019ve had credit overall and how long you\u2019ve had your oldest and newest accounts. Therefore, continual on-time payments could help you to build your credit score.<\/p>\n\n\n\n<p>See also: <a href=\"https:\/\/kiiky.com\/wealth\/how-to-get-800-credit-score\/\">How To Get 800 Credit Score In 2023 | Easy Guide<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-keep-credit-card-balances-low\"><span id=\"2-keep-credit-card-balances-low\">2. Keep Credit Card Balances Low<\/span><\/h3>\n\n\n\n<p>Credit card balances impact your score through your credit utilization ratio.&nbsp;<\/p>\n\n\n\n<p>Your credit utilization ratio compares your total credit balances against your credit limits. It also reaches each card\u2019s balance against its limit. <\/p>\n\n\n\n<p>For example, if you have $500 in credit card balances and a $1,000 total credit limit, your credit utilization ratio would be 50%. Keeping your total utilization ratio and each utilization ratio under 30% is best.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-maintain-a-diverse-mix-of-accounts\"><span id=\"3-maintain-a-diverse-mix-of-accounts\">3. Maintain a Diverse Mix of Accounts<\/span><\/h3>\n\n\n\n<p>Credit mix measures how many and what kinds of credit accounts you have. A diverse credit mix could help your credit score.<\/p>\n\n\n\n<p>For example, say you have the following accounts:<\/p>\n\n\n\n<ul>\n<li>Two credit cards<\/li>\n\n\n\n<li>Two student loans<\/li>\n\n\n\n<li>One auto loan<\/li>\n\n\n\n<li>One mortgage<\/li>\n<\/ul>\n\n\n\n<p>Your credit mix will be better than having only one credit card.<\/p>\n\n\n\n<p>Read also: <a href=\"https:\/\/kiiky.com\/wealth\/bad-credit-score\/\">I Have Bad Credit Score, Use These Credit Cards Instead<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-secure-the-right-cash-advance-for-you\"><span id=\"4-secure-the-right-cash-advance-for-you\">4. Secure the Right Cash Advance for You<\/span><\/h3>\n\n\n\n<p>Both cash advances work well, but for different people.<\/p>\n\n\n\n<p>If you have a strong score and an established credit history, a good-credit cash advance could help you get the best terms.<\/p>\n\n\n\n<p>However, borrowers with poor credit or no credit history may be able to get a poor-credit cash advance if they need it.<\/p>\n\n\n\n<p>If you want a good-credit cash advance but can\u2019t qualify yet, there are many ways to improve your score. Make all your payments on time, keep your card balances low, and maintain a diverse account mix.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span id=\"conclusion\">Conclusion<\/span><\/h2>\n\n\n\n<p>All these things take time, so keeping up these good financial habits for the long term is essential. If you need cash right away, then remember that you have options. A poor credit cash advance is one solution that could help you get the funds you need right away, no matter your score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1680265921142\"><strong class=\"schema-faq-question\">What Is a Cash Advance?<\/strong> <p class=\"schema-faq-answer\">A cash advance is a short-term loan that can be obtained either as a payday loan or via a credit card if you have enough available credit.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1680265969305\"><strong class=\"schema-faq-question\">Can a Cash Advance Impact my Credit Score?<\/strong> <p class=\"schema-faq-answer\">It might, in a way. If you do not pay it back quickly, your credit card&#8217;s balance may increase, affecting your credit utilization rate.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1680266021333\"><strong class=\"schema-faq-question\">Which app gives you a loan instantly?<\/strong> <p class=\"schema-faq-answer\">1. Empower: Cash can be advanced by Empower in an hour for a cost ranging from $1 to $8.<br \/>2. EarnIn: offers same-day advances ranging from $0.99 to $3.99.<br \/>3. Dave: can deliver an advance in less than an hour for an express cost ranging from $1.99 to $13.99.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1680266212136\"><strong class=\"schema-faq-question\">What app can I borrow $100 from?<\/strong> <p class=\"schema-faq-answer\">EarnIn<br \/>Dave<br \/>Brigit<br \/>Empower<br \/>MoneyLion<\/p> <\/div> <\/div>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"Cash advances are short-term, small-dollar loans that let you take out money against your next paycheck. They offer&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":2,"featured_media":54915,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1308,1312],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Good-Credit vs. Poor-Credit Cash Advances<\/title>\n<meta name=\"description\" content=\"In this article, we explained the differences between good-credit and poor-credit cash advances and a few ways to improve your credit score.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kiiky.com\/wealth\/cash-advances\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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Chijindu"},"url":"https:\/\/kiiky.com\/wealth\/author\/siliconadmin\/"},{"@type":"Question","@id":"https:\/\/kiiky.com\/wealth\/cash-advances\/#faq-question-1680265921142","position":1,"url":"https:\/\/kiiky.com\/wealth\/cash-advances\/#faq-question-1680265921142","name":"What Is a Cash Advance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A cash advance is a short-term loan that can be obtained either as a payday loan or via a credit card if you have enough available credit.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/kiiky.com\/wealth\/cash-advances\/#faq-question-1680265969305","position":2,"url":"https:\/\/kiiky.com\/wealth\/cash-advances\/#faq-question-1680265969305","name":"Can a Cash Advance Impact my Credit Score?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It might, in a way. If you do not pay it back quickly, your credit card's balance may increase, affecting your credit utilization rate.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/kiiky.com\/wealth\/cash-advances\/#faq-question-1680266021333","position":3,"url":"https:\/\/kiiky.com\/wealth\/cash-advances\/#faq-question-1680266021333","name":"Which app gives you a loan instantly?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"1. Empower: Cash can be advanced by Empower in an hour for a cost ranging from $1 to $8.<br \/>2. EarnIn: offers same-day advances ranging from $0.99 to $3.99.<br \/>3. Dave: can deliver an advance in less than an hour for an express cost ranging from $1.99 to $13.99.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/kiiky.com\/wealth\/cash-advances\/#faq-question-1680266212136","position":4,"url":"https:\/\/kiiky.com\/wealth\/cash-advances\/#faq-question-1680266212136","name":"What app can I borrow $100 from?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"EarnIn<br \/>Dave<br \/>Brigit<br \/>Empower<br \/>MoneyLion","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"featured_image_urls":{"full":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23-150x150.png",150,150,true],"medium":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23-300x200.png",300,200,true],"medium_large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"1536x1536":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"2048x2048":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"pk-small":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",80,53,false],"pk-thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",300,200,false],"csco-small":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",80,53,false],"csco-intermediate":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",200,133,false],"csco-thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",330,220,false],"csco-thumbnail-alternative":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",270,180,false],"csco-thumbnail-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",380,253,false],"csco-medium":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"csco-medium-alternative":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",504,336,false],"csco-medium-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"csco-large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"csco-large-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"csco-extra-large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false]},"post_excerpt_stackable":"Cash advances are short-term, small-dollar loans that let you take out money against your next paycheck. They offer quick applications and same-day funding, making them helpful for urgent expenses, upcoming bills, and many other uses. However, your credit score may impact which cash advances you qualify for. Some are available to borrowers with good credit, whereas others may be able to get poor-credit cash advances. This article will explain the differences between good-credit and poor-credit cash advances and help you decide best. Then, it\u2019ll explain a few ways to improve your credit score. Table of contentsWhat Are Good-Credit Cash Advances?What&hellip;\n","category_list":"<a href=\"https:\/\/kiiky.com\/wealth\/category\/cards\/\" rel=\"category tag\">Cards<\/a>, <a href=\"https:\/\/kiiky.com\/wealth\/category\/credit\/\" rel=\"category tag\">Credit<\/a>","author_info":{"name":"Akujobi Chijindu","url":"https:\/\/kiiky.com\/wealth\/author\/siliconadmin\/"},"comments_num":"0 comments","featured_image_urls_v2":{"full":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23-150x150.png",150,150,true],"medium":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23-300x200.png",300,200,true],"medium_large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"1536x1536":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"2048x2048":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"pk-small":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",80,53,false],"pk-thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",300,200,false],"csco-small":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",80,53,false],"csco-intermediate":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",200,133,false],"csco-thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",330,220,false],"csco-thumbnail-alternative":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",270,180,false],"csco-thumbnail-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",380,253,false],"csco-medium":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"csco-medium-alternative":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",504,336,false],"csco-medium-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"csco-large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"csco-large-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false],"csco-extra-large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2023\/03\/Untitled-design-23.png",612,408,false]},"post_excerpt_stackable_v2":"Cash advances are short-term, small-dollar loans that let you take out money against your next paycheck. They offer quick applications and same-day funding, making them helpful for urgent expenses, upcoming bills, and many other uses. However, your credit score may impact which cash advances you qualify for. Some are available to borrowers with good credit, whereas others may be able to get poor-credit cash advances. This article will explain the differences between good-credit and poor-credit cash advances and help you decide best. Then, it\u2019ll explain a few ways to improve your credit score. 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