Pacific Cash Advance offers payday loans and short-term emergency cash in Los Angeles with same-day funding, positioned as a direct lender with no hidden fees.
Editorially reviewed by Harvey Brooks
Pacific Cash Advance, L.L.C. is a licensed payday lender operating from a physical storefront in South Los Angeles at 8501 South Figueroa Street. The company positions itself as a direct lender offering short-term emergency cash solutions, primarily payday loans designed to bridge financial gaps until the borrower's next paycheck. The business operates Monday through Saturday (9 a.m. to 6 p.m. weekdays, 9 a.m. to 1 p.m. Saturday) and maintains a local phone line for customer inquiries.
Pacific Cash Advance's core offering is payday loans—short-term borrowing products marketed as solutions for immediate financial needs. According to their website, the application process is described as simple, and they emphasize being a direct lender with no hidden fees. The company also operates a referral program that compensates both customers and non-customers for successful referrals, suggesting an emphasis on word-of-mouth growth.
The company distinguishes itself through customer service claims, including fast processing times (noted as "quick service in and out" and "very fast" for repeat customers after initial verification). Their South Los Angeles location in a "bustling neighborhood" near Madeline's Fashion provides physical accessibility for the local community. The storefront model allows for same-day funding, a critical feature for emergency cash products.
As a payday lender, Pacific Cash Advance operates in a heavily regulated but high-cost lending category. While the website emphasizes transparency ("no hidden fees") and convenience, payday loans by nature carry significant APR costs that can exceed 400% annualized in California. The company does not disclose specific fee structures, APR rates, or loan terms on their website, which is standard but notable given their claim of transparency. Customer reviews are limited to two testimonials praising service speed and professionalism, offering minimal insight into pricing satisfaction or loan outcomes.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Pacific Cash Advance is a registered company headquartered in 17952 Avalon Blvd, Carson, CA 90746. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Pacific Cash Advance is best for borrowers in genuine financial emergencies within the Los Angeles area who need same-day cash and lack access to traditional lending. The primary caveat is that payday loans, while fast, are among the most expensive consumer credit products available and can create cycles of debt if used repeatedly; the company provides no transparent pricing online, requiring customers to visit or call to understand true costs before borrowing.
Advance America is a large short-term consumer lender offering payday loans, installment loans, and lines of credit at 800+ stores and online in 27 states.
Best for: Underbanked adults who need emergency cash before their next paycheck and have no other credit options, Borrowers with poor or no credit history who are ineligible for bank personal loans or credit union products
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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