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Part of the US Cash Advance chain · locations
US Cash Advance in Sacramento, CA
Sacramento, CA's US Cash Advance at 1408 R St offers quick payday loans and title loans with flexible terms.
Data compiled from public sources · Rating from CreditDoc methodology
US Cash Advance Review
US Cash Advance's Sacramento location sits at 1408 R St #102, in the heart of Sacramento's R Street neighborhood. Open Monday through Friday from 8 AM to 9 PM and Saturday–Sunday from 10 AM to 7 PM, this standalone storefront serves Sacramento residents who need quick access to emergency funds. The location is conveniently positioned for both downtown workers and R Street area residents.
At this Sacramento address, US Cash Advance provides payday loans, title loans, and cash advances for those facing unexpected expenses. Call +1 279-972-2433 to ask about current rates, approval requirements, and loan terms available at this specific location in Sacramento, CA.
If you're a Sacramento resident considering a payday or title loan, bring a valid ID, recent pay stubs, and proof of a bank account. US Cash Advance specializes in quick approvals for those with limited credit history or urgent cash needs.
Services & Features
Bad credit loans ($250-$50,000)
Cash advance loans (up to $1,000)
Debt consolidation loans
Direct deposit funding
In-person application and approval
Loans without credit check
Online inquiry form submission
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 (customers report receiving funds within 2 hours)
- Accepts all credit types including bad credit with no credit checks required
- Physical location in Detroit with extended hours (8am-9pm weekdays, 10am-7pm weekends) for in-person service
- Fast in-person processing time (reported 45 minutes average per customer reviews)
- Unsecured loans requiring no collateral
- Transparent staff communication about loan terms and repayment obligations
- Loan amounts available up to $50,000 for bad credit products
Cons
- Specific APR, interest rates, and total cost of borrowing not disclosed on website—making loan affordability impossible to assess
- Repayment terms not specified, limiting ability to understand true cost and obligations
- Physical location limited to single Detroit address (20002 Schoolcraft Rd), restricting accessibility
- Customer feedback focuses on service speed rather than affordability; no reviews address whether rates are reasonable
- Website content incomplete (sitemap cuts off mid-sentence regarding APR and repayment period details)
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
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is US Cash Advance legitimate?
Yes. US Cash Advance is a registered company, headquartered in 1408 R St #102, Sacramento, CA 95811.
Quick Facts
- Headquarters
- 1408 R St #102, Sacramento, CA 95811
- 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 best suited for Detroit-area residents in immediate financial distress who need $100-$1,000 in 1-2 hours and have poor or no credit history. The primary caveat is complete opacity on loan costs: without disclosed APR, fees, or repayment terms, borrowers cannot determine if this is genuinely affordable emergency credit or a high-cost payday loan that worsens financial hardship. Do not apply without first obtaining written fee and rate disclosures.
Best For
- Consumers in the Detroit metro area needing immediate cash ($100-$1,000) for urgent expenses
- Borrowers with bad credit or limited credit history who cannot qualify for traditional bank loans
- People who prefer in-person service and immediate feedback over online-only lenders
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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