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Part of the US Cash Advance chain · locations
US Cash Advance in Raleigh, NC
Raleigh, NC US Cash Advance at 4209 Six Forks Rd offers quick payday and title loans to Six Forks corridor residents.
Data compiled from public sources · Rating from CreditDoc methodology
US Cash Advance Review
US Cash Advance operates at 4209 Six Forks Rd #103 in Raleigh, NC, a standalone storefront serving the Six Forks corridor and surrounding neighborhoods. The location is open Monday through Friday from 8AM to 9PM, and Saturday and Sunday from 10AM to 7PM, making it accessible for working Raleigh professionals seeking emergency funding solutions.
This Raleigh location specializes in payday loans and title loans, processing applications quickly to match your cash-flow needs. Call +1 919-975-4163 to speak with a loan officer about your options, flexible terms, and what documentation you'll need. The team at this Raleigh, NC location works with locals to structure repayment that fits your budget.
When visiting, bring a valid ID, recent pay stubs if available, and your vehicle title if applying for a title loan. US Cash Advance serves Raleigh residents with straightforward lending when unexpected expenses arise.
Services & Features
Bad credit loans ($250-$50,000)
Cash advance loans (up to $1,000)
Cash loans
Debt consolidation
Direct deposit funding
In-person consultation at Detroit location
Loans without credit check
Online application and approval
Payday loans (up to $1,000)
Personal loans for bad credit
Quick loans
Same-day loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day or next-day funding available with processing times reportedly under 45 minutes for in-person applications
- Accepts all credit types including bad credit, with no credit check loans advertised
- No collateral required for all loan products
- Extended operating hours (8am-9pm weekdays, 10am-7pm weekends) including Saturday service
- Staff provide patient in-person consultation and clear explanation of terms per customer reviews
- Loan amounts range from $100-$50,000 depending on product, offering flexibility for different emergency levels
- Online application option available in addition to in-person Detroit location
Cons
- Website does not disclose APRs, fees, or other material loan terms despite regulatory disclosure requirements
- No information about repayment period lengths or total cost of borrowing
- Customer review mentions cramped waiting area and suggests need for improved facilities
- Website quality issues including repetitive content carousel and unprofessional email address (service@env-uscashadvance-compliance.kinsta.cloud)
- Limited to one physical location in Detroit despite offering online services, reducing accessibility for out-of-area applicants
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is US Cash Advance legitimate?
Yes. US Cash Advance is a registered company, headquartered in 4209 Six Forks Rd #103, Raleigh, NC 27609.
Quick Facts
- Headquarters
- 4209 Six Forks Rd #103, Raleigh, NC 27609
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on US Cash Advance
US Cash Advance is appropriate for consumers facing genuine financial emergencies who cannot access traditional lending and need same-day cash, particularly those with poor credit histories. The critical caveat is that the company does not transparently disclose APRs, fees, or total borrowing costs on their website, which are typically high for payday and cash advance products; prospective borrowers must contact them directly to understand the true cost before borrowing.
Best For
- Consumers with bad credit or no credit history facing urgent cash needs
- Individuals needing $250-$1,000 same-day or next-day funding for emergencies
- People who prefer in-person consultation and support during the loan process
- Borrowers unable to qualify for traditional personal loans or credit-based products
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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