Allied Cash Advance Review: Is It a Legitimate Option

Allied Cash Advance is a payday lender with a long history of operation, dating back to 1998. They claim to have helped millions of people with short-term financial needs.

Their services are available in 11 states, including California, Florida, and Texas, where payday lending is still legal. However, the company has faced numerous lawsuits and regulatory actions over the years.

One of the key benefits of Allied Cash Advance is their quick application process, which can be completed online or in-store. Borrowers can get approved in as little as 30 minutes, and funds are often deposited directly into their bank accounts.

However, the high interest rates and fees associated with Allied Cash Advance loans can be a major drawback. According to the article, their annual percentage rate (APR) can range from 260% to 360%.

Allied Cash Advance is licensed to operate in the states where they offer loans, which means they are held accountable to state and federal regulations.

They comply with state and federal regulations regarding lending practices, interest rates, and consumer protection, ensuring a safe borrowing environment for their customers.

This compliance is crucial, as it safeguards consumers from predatory lending practices and provides a level of security in the borrowing process.

If you’re looking for alternative options, consider some of the other payday loan providers mentioned above, which offer similar services with potentially more favorable terms.

Allied Cash Advance has a few advantages that might make it a suitable option for some people.

The company offers flexible loan terms, including short-term loans and lines of credit.

However, it's essential to consider the potential drawbacks before making a decision.

Allied Cash Advance charges high interest rates and fees, which can lead to a cycle of debt.

When you're considering a loan, it's essential to know what you're getting into. Allied Cash Advance offers clear and transparent loan terms.

They provide detailed information about the loan amounts, interest rates, fees, and repayment schedules before you commit to a loan. This transparency helps you make an informed decision about whether their loan products are right for you.

The pros of Allied Cash Advance are definitely worth considering. One of the biggest advantages is that the application process is quick and easy, and can be completed online or in-store, making it convenient for those who need cash quickly.

Same-day funding is also a huge plus, with funds deposited into your account on the same day you're approved in many cases. This can be a lifesaver in emergency situations.

Another benefit is that Allied Cash Advance doesn't require a high credit score, making their loans accessible to people with poor or no credit. This can be a huge relief for those who have struggled with credit issues in the past.

They also offer multiple loan options, including payday loans, installment loans, and lines of credit, providing flexibility depending on your financial situation.

Check 'n Go has its drawbacks. One of the main concerns is its limited availability.

You might find it hard to access their services in certain areas. They also don't have accreditation from the Better Business Bureau (BBB), which can be a red flag for some consumers.

There are many complaints from users about their experience with Check 'n Go. Online loans through their platform have been a source of trouble for some people.

It's also worth noting that they don't provide APR information, which can make it difficult for customers to understand the true cost of their loans.

Allied Cash Advance has been known to overcharge customers. This is evident in the case of someone who received a $1000 loan and was charged a fee for being a day late on the payment.

Payday companies like Allied Cash Advance have been criticized for their high fees. They often charge exorbitant interest rates and fees that can quickly add up.

It's worth noting that Allied Cash Advance has been accused of taking advantage of customers. In one case, a customer was unaware of the fee for being a day late on the loan payment.

The consequences of being overcharged can be severe. It can lead to a cycle of debt that's difficult to escape.

To avoid being overcharged, it's essential to carefully review the terms and conditions of any loan before signing. This includes understanding the fees and interest rates associated with the loan.

Allied Cash Advance offers borrowing options in-store and online. They have over 70 locations in 5 states where you can borrow in-store.

In Arizona, you can borrow installment loans ranging from $250 to $5,000. In California, you can borrow payday loans of $100 to $255, or a Choice Loan, a longer-term installment loan. In Indiana, Michigan, and Virginia, you can borrow payday loans, lines of credit, or other financial services.

Here are the details of the in-store borrowing options available in each state:

You can apply for a loan either online or at one of their physical locations. The application process is designed to be quick and usually takes just a few minutes.

To get started, you'll need to provide basic personal information, proof of income, and details about your bank account. This information is required to process your loan application.

Applying online is a convenient option, but if you prefer to do things in person, you can visit one of their physical locations.

If you're looking to borrow in-store, Allied Cash Advance has you covered with over 70 locations across several states.

You can find Allied Cash Advance locations in Arizona, California, Indiana, Michigan, and Virginia. These locations offer various types of loans, including installment loans in Arizona, payday loans in California and Indiana, payday loans in Michigan, and a line of credit in Virginia.

To apply in-store, you'll need a valid U.S. government-issued photo ID or Matricula Consular card, proof of an active checking account, proof of current income, and a valid phone number.

In-store applicants can receive their funding before leaving the store, making it a convenient option for those who need quick access to cash.

Online Loans at Check 'n Go is a service that Allied Cash Advance refers its online customers to, as it is not the direct lender. This means that customers are essentially applying for a loan through Check 'n Go, a well-known payday lender.

Check 'n Go services Allied's online customers looking for payday and personal loans in other states. This is not explicitly stated on the company's website, making it difficult for borrowers to find reliable information.

It's worth noting that the company's website lacks transparency about interest rates on potential loans. This lack of information makes it challenging for borrowers to make an informed decision when weighing the pros and cons of different loan providers.

Repayment options are available through Allied Cash Advance, including automatic checking account withdrawal, paying in-store, paying online, and paying over the phone (though this option comes with a $4.95 service fee).

Allied Cash Advance earns a 3.0-star rating from 10 reviews, indicating that most customers are somewhat satisfied with their lending services. However, customer satisfaction can vary greatly depending on individual experiences.

If you're having trouble paying your loan, you can contact Allied Cash Advance's customer service at +1 (800) 528-1974 or +1 (888) 848-6950. You can also reach them via email at [email protected] or visit their address at 100 Commercial Dr., Fairfield, Ohio, 45014.

When repaying a loan, it's essential to have flexibility in your payment options. Allied Cash Advance offers several ways to make a payment.

You can set up automatic checking account withdrawal, which is a convenient option for those who want to avoid missed payments. This way, the payment will be deducted from your account on the due date.

Pay in-store is another option, allowing you to make a payment in person at one of their locations. This option is ideal for those who prefer to pay face-to-face.

You can also pay online, which is a quick and easy option for those who are tech-savvy. Simply log in to your account and make the payment.

However, if you need to pay over the phone, be aware that a $4.95 service fee will be applied.

Here are the repayment options available with Allied Cash Advance:

Allied Cash Advance has received a 3.0-star rating from 10 reviews, indicating that the majority of customers are somewhat satisfied with their lending services.

Some customers have reported issues with communication and customer service. For example, one customer received multiple calls from Allied Cash Advance despite having already sent in payments.

You can contact Allied Cash Advance through their phone numbers, +1 (800) 528-1974 and +1 (888) 848-6950. However, it's worth noting that no users have reported successfully reaching the company by calling these numbers.

Alternatively, you can try reaching out to them through email at [email protected]. According to the information provided, this email address has a 100% confidence score, indicating that it is a legitimate contact method.

If you're trying to contact Allied Cash Advance, you can also try reaching out to them through their social media channels or by visiting their office at 100 Commercial Dr., Fairfield, Ohio, 45014, United States.

Here are the contact details for Allied Cash Advance:

It's worth noting that the contact information for Allied Cash Advance has been personally checked and verified by a ComplaintsBoard representative.

Virginia has been at the center of controversy with Allied Cash Advance. In 2017, the state's Attorney General Mark Herring brought a lawsuit against the company for making illegal, unlicensed loans at 273.75 percent APR.

The lending practice was found to be in violation of the Virginia Consumer Protection Act, which is designed to protect consumers from predatory lending practices. This is a major red flag for anyone considering borrowing from Allied Cash Advance.

The lawsuit is seeking restitution on behalf of borrowers, which suggests that many people have been affected by the company's actions.

In 2017, Virginia Attorney General Mark Herring brought a lawsuit against Allied Title Lending LLC and Allied Cash Advance for making illegal loans. The lawsuit targeted loans with an APR of 273.75 percent.

The lending practice violates the Virginia Consumer Protection Act. This law is in place to protect consumers from unfair business practices.

The Attorney General is seeking restitution on behalf of borrowers. This means that Allied Title Lending LLC and Allied Cash Advance may be required to repay consumers who were affected by their actions.

Have you borrowed from Allied Cash Advance? Let us know about your experience with a quick review below.

Predatory business practices are a serious concern, and it's essential to be aware of the tactics used by these companies. Allied Cash Advance is a prime example of a company that engages in predatory lending.

They lure customers in with promises of easy loans, but the fine print reveals a different story. A customer was given a loan of $700 on a $3,500 car, with the promise of making only $100 monthly payments until it's paid off.

This is not what happens in reality. The customer was charged $1,100 in interest payments over a year, and still owed a hidden balloon payment of over $800. This is a classic example of predatory lending.

These companies often use high-pressure tactics to get customers to sign contracts without fully understanding the terms. The customer in this case was not told about the balloon payment, and was instead charged $5 per day for late payments.

It's not just the financial burden that's a concern, but also the emotional distress caused by these companies. The customer in this case was even threatened with repossession of their car, which was eventually taken without their consent.

It's clear that Allied Cash Advance is not interested in working with customers in good faith. When the customer tried to negotiate a deal, they were offered a ridiculous $2,000 payment to clear the debt, or a payment plan that would still leave them owing a balloon payment.

Getting a letter from a creditor can be a straightforward process, but it's not always easy. Allied Cash Advance is a company that has been known to make it difficult for customers to get a simple letter stating that their account is paid in full.

You can ask a creditor to fax or mail a letter confirming that your account is paid. This is a standard practice, and most creditors will comply without issue.

One customer had a bad experience with Allied Cash Advance when they asked for a letter stating their account was paid. The office manager, Laura, refused to provide the letter, claiming it was personal information.

To get a letter, you can simply ask the creditor to fax or mail it to you. They will usually ask for confirmation that you are the account holder, but this is a normal part of the process.

The customer who had a bad experience with Allied Cash Advance was able to get the corporate number for the company, which is [protected]. They also found out that the CEO of the company is Tracy Parker.

Allied Cash Advance earns a trustworthiness rating of 72%. This is a decent score, but it's essential to dig deeper to understand what it means.

The company provides clear and detailed contact information, including a physical address, two phone numbers, and an email, as well as two social media accounts. This is a positive sign for building trust with customers.

Allied Cash Advance's domain age suggests that they have had sufficient time to establish a reputation as a reliable source of information and services. This can provide reassurance to potential customers.

The website has a valid SSL certificate, which indicates that it is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm.

Here are some potential red flags:

Allied Cash Advance offers legitimate loan options, including payday loans, lines of credit, and installment loans.

It's worth noting that the company is not transparent about its rates, fees, and terms.

The lender has partnered with Check 'N Go, a reputable lender, to offer its services.

However, Allied Cash Advance has had some legal issues in the past.

User reviews for the company are not great.

Before applying, it's a good idea to compare your options with other short-term loan companies.