Average decision time under 4 hours
Personal loans from $500 to $15,000 with same-day decisions, no hidden fees, and an APR cap that we are loud and proud about. Approved across all 50 states where applicable law allows.
It takes about a minute. A soft credit check that won’t affect your score.
A loan specialist will review your request and reach out to within one business day. Most decisions come back well before that.
Volunteer Cash Advance, LLC is a Tennessee limited liability company built on a simple idea — that the people who lend you money should be people you could actually meet. Our office sits on East Main Street in Livingston, in a brick storefront with a glass door, in the kind of small town where everyone still says good morning.
We operate under the laws of the State of Delaware, originate loans in accordance with the Truth in Lending Act, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act, and stay nowhere near the payday-loan business. Our APR ceiling is 35.99% inclusive of all fees, and we will not make a loan we do not believe you can pay back.
We started Volunteer Cash Advance after watching too many neighbors get caught in the payday-loan spin cycle. We do not do payday. We do not do balloon payments. We do not bury fees in the fine print of the fine print.
We do offer fixed monthly payments, an APR you can actually compare, and a phone number that rings on the third floor of a real building on East Main Street.
Most applicants finish in under five minutes. The longest part is usually finding a recent pay stub.
Name, email, phone, the amount you need, the term you want. A soft credit check — it does not affect your score.
If you qualify, you’ll see your APR, monthly payment, and total cost up front. No bait-and-switch.
Sign electronically and the funds typically land in your bank by the next business day. Pay as you go, no penalties for early payoff.