AmeriCash Loans Review - Get up to $4,000 | Credit Raters
Last updated: 25th Jan 2021

AmeriCash Review

AmeriCash loans are a nationwide, online lender offering simple instalment loans to help you through life’s little emergencies.

With more than 20 years of experience behind them, this highly reputable lender offers loans for a range of purposes, including:

  • Home improvements
  • Car repairs
  • Urgent medical bills
  • Household spending

You can even use the cash just to tide you over until the end of the month. Read on to learn more about how these AmeriCash loans work and the steps you can take to find a great deal on your next loan today.

Americash In Numbers

AmeriCash loans are designed to provide competitive, flexible instalment loans of up to $4,000 which can be repaid over a convenient number of months to keep your payments affordable.

The rates on offer will depend on a number of factors including your creditworthiness, the amount you’re looking to borrow and the term over which you repay it. Your state of residence will also play a part due to interest and credit limits.

Take a look at some of the examples below of their terms across different states.

State AmeriCash Loan Amounts AmeriCash Loan Repayment Periods AmeriCash Loans Example APR
Arkansas $100 – $2,500 1 – 12 months 499%
Indiana $100 – $4,000 112 – 180 days 435%
Oklahoma $50 – $1,470 1 – 18 months 412%
Wisconsin $100 – $2,500 1 – 12 months 499%

Key Features

AmeriCash aims to build long lasting relationships with their customers to become a lending partner for the now and for the future.

Of course, they won’t be perfect for everyone so take a look at the pros and cons below to help decide if they might be right for you.

  • Excellent customer service track record
  • Lightning fast online application
  • High acceptance rates
  • May negatively impact your credit score if you fail to repay
  • Only available online rather than in store


Yes! All of your funds will be paid and administered directly by AmeriCash, giving you the peace of mind that you’ll never have the hassle of dealing with middle men or agents.

Yes! AmeriCash loans will consider applications from all financial backgrounds. Their main focus in the loans affordability so your credit score will not be the sole factor used in the loan decision making process.

Eligibility Criteria

All short term loans in America are regulated by state and federal lending laws, so you’ll need to meet the following conditions to be accepted for loans like AmeriCash.

When you apply, you must:

  • Be at least 18 years of age
  • Have a US checking account in your own name
  • Be able to comfortably afford repayments and have a regular income

They will also use credit scoring to assess your application however this will only form a small part of their overall decision making process.

Also Check:

State Availability

Due to individual state lending regulations, AmeriCash loans are available in a limited number of states. If you don’t see your state below then either search for your local AmeriCash store or check back as further states are added.

The current states eligible for AmeriCash loans are:

Arkansas Michigan
Florida Missouri
Illinois Oklahoma
Indiana South Carolina
Iowa Wisconsin

Not all of the above states support all of the loans offered by AmeriCash, however you’ll be able to see the loans you are eligible for based on your state once you begin your application.

Customer support

Should you have any questions or queries regarding your AmeriCash loan, the good news is that there are plenty of ways to get in touch.

Contact Method Details
Telephone (Mon – Sat) 888-907-4227 (08:00 – 20:00)
Correspondence address PO Box 1728 Des Plaines IL 60017

Application Process

The AmeriCash application process is lightning fast and could see funds deposited into your checking account on the very same day that you apply. Of course, each applicant brings their own unique set of circumstances to the table, so additional documentation may be needed in some circumstances.

Here’s our step by step guide to applying for AmeriCash loans.

If you’re new to AmeriCash then you’ll need to take a minute to create a fresh online account. From here you can manage your loan applications and repayments as well as updating your information each time you apply.

If you’re a returning customer, you can instead login to your existing account and breeze through an online application.

Step 1

To create your online account and get your AmeriCash loans application underway, the first step is let them know who you are and how to contact you.

By including your state, they’ll know straight away whether you’ll be eligible based on residence.

Step 2

Due to unique military lending restrictions in place, you’ll need to let loans like AmeriCash know if you’re currently an active member of the military.

You’ll also need to pass on your Social Security Number for identity verification.

Step 3

Whilst all applications for loans like AmeriCash are carried out in the strictest of confidence, you’ll need to let them know about your employer, earnings and pay schedule.

This will help them to ensure that your repayments are made close to your pay dates for maximum convenience.

Step 4

The final step of your application is to provide your checking account details so that funds can be deposited into your account.

Step 5

AmeriCash Review – Conclusion

AmeriCash loans have successfully provided instalment loans to American citizens for more than 20 years and it’s easy to see why.

By focusing solely on instalment loans, they’ve honed their product into a simple, transparent short term borrowing solution with easy to understand terms and fees.

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