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Part of the Superb Cash Advance chain · locations
Superb Cash Advance in Bakersfield, CA
At 1121 Eye St in Bakersfield, CA, Superb Cash Advance offers same-day payday and title loans with convenient hours Mon-Sun.
Data compiled from public sources · Rating from CreditDoc methodology
Superb Cash Advance Review
Superb Cash Advance in Bakersfield, CA is located at 1121 Eye St in a standalone storefront. Open Monday through Friday from 8:30 AM to 8:30 PM and Saturday-Sunday from 9:30 AM to 6:30 PM, this Bakersfield location is conveniently accessible for residents and visitors needing quick financial assistance.
At this Bakersfield location, Superb Cash Advance offers payday loans, title loans, and other short-term financial solutions. Customers can call +1 661-463-9706 to learn more about available services, loan terms, and application requirements. The staff at the 1121 Eye St location can provide personalized guidance through the lending process.
If you need fast cash in Bakersfield, CA, Superb Cash Advance can provide same-day funding with minimal paperwork. Bring a valid government ID, proof of income, and banking information to speed up the application process. Whether it's an unexpected emergency or a short-term cash need, this location serves the Bakersfield community.
Services & Features
Bad credit loans up to $50,000
Cash advance loans up to $1,000
Flexible payment schedules and customized repayment plans
In-person loan processing at physical location
Online payday loans up to $5,000
Payday loans up to $1,000
Phone-based customer service
Quick approval lending services
Same-day loans with minimal documentation
Unsecured personal loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day cash funding available with quick approval process
- No extensive credit checks required; all credit types welcome
- Loan amounts range from $250 to $5,000 depending on product type
- Flexible payment schedules customized to individual borrower budgets
- Physical storefront location in Atlanta with extended hours (8:30am-8:30pm weekdays)
- Unsecured loans requiring no collateral
- Minimal documentation requirements for faster processing
Cons
- High-cost lending category typical of payday and cash advance products (APR not disclosed on website)
- Customer reviews mention business hours as a limitation for some schedules
- Website lacks transparency on fees, interest rates, and repayment terms
- Multiple customer reviews reference Arvada location, creating confusion about actual service areas
- No information provided about regulatory compliance, licensing, or consumer protections
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Superb Cash Advance legitimate?
Yes. Superb Cash Advance is a registered company, headquartered in 1121 Eye St #9, Bakersfield, CA 93304.
Quick Facts
- Headquarters
- 1121 Eye St #9, Bakersfield, CA 93304
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Superb Cash Advance
Superb Cash Advance is best for consumers in immediate financial distress who lack access to traditional credit and need cash within hours or days. The critical caveat is that emergency cash loans carry substantially higher costs than conventional lending—borrowers must verify current APR and fee structures before committing, understand their repayment obligations, and ensure they can meet payment schedules to avoid debt cycles.
Best For
- Consumers with poor or no credit history needing emergency funds within 24 hours
- Individuals facing temporary cash shortfalls before next paycheck
- Borrowers who want to avoid extensive credit inquiries or documentation
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
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.
Why it matters
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.
Compound 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.
Why it matters
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.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
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.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
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.
How Loans Work
Collateral — Loan Collateral
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.
Why it matters
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.
Fees & Costs
Late Fee — Late Payment Fee
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.
Why it matters
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.
NSF Fee — Non-Sufficient Funds Fee
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.'
Why it matters
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.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
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.
Credit Cards
Cash Advance — Credit Card Cash Advance
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.
Why it matters
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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