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Part of the US Cash Advance chain · locations
US Cash Advance in Warren, MI
Warren, MI's US Cash Advance at 4042 E 11 Mile Road provides fast payday and title loans.
Data compiled from public sources · Rating from CreditDoc methodology
US Cash Advance Review
Located at 4042 E 11 Mile Road, Suite B in Warren, MI, this US Cash Advance storefront serves the local community with convenient access. The location is easy to find and offers extended hours: Monday through Friday 8AM-9PM, and Saturday through Sunday 10AM-7PM. This makes it accessible for working residents throughout Warren who need flexible loan options when they need them.
At this Warren branch, US Cash Advance specializes in payday loans and title loans, providing quick access to emergency cash when you need it most. Call 586-327-6517 to discuss your situation, ask about required documentation, and confirm current rates. The staff can walk you through your options based on your financial needs and eligibility.
If you're a Warren resident facing unexpected expenses, this location makes it simple to get same-day funding. Bring a valid government ID, proof of income, and proof of address. US Cash Advance has been serving Michigan residents with quick loan options for years.
Services & Features
Bad Credit Loans ($250–$50,000)
Cash Advance Loans (up to $1,000)
Cash Loans
Debt Consolidation
In-person loan processing at Detroit branch
Loans Without Credit Check
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
- Open seven days a week with weekday hours until 9pm—broader than most payday lenders
- In-person service at Detroit branch with a reported sub-45-minute approval process
- Accepts all credit types, explicitly including bad credit and no-credit-check borrowers
- No collateral required on any loan product
- Same-day funding available for qualifying borrowers
- Bad credit personal loans advertised up to $50,000 via third-party lender network
- Customer reviews cite transparent, no-pressure staff communication on repayment terms
Cons
- No APR, fee schedule, or repayment term examples published anywhere on the website
- Operates as a loan broker, not a direct lender—actual loan terms set by unnamed third parties
- Contact email uses a development/staging server domain (kinsta.cloud), an unusual signal for a consumer finance company
- No online pre-approval tool; full inquiry form submission required before seeing any offer
- Core payday and cash advance products capped at $1,000—not suitable for larger emergency needs without third-party referral
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 4042 E 11 Mile Rd ste b, Warren, MI 48091.
Quick Facts
- Headquarters
- 4042 E 11 Mile Rd ste b, Warren, MI 48091
- 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 borrowers with bad or no credit who need fast access to small amounts of cash and value in-person service with flexible hours. The primary caveat is that the company acts as a lead generator connecting applicants to unnamed third-party lenders, and no cost or rate information is disclosed upfront—borrowers cannot evaluate the true cost of a loan until after submitting a full application.
Best For
- Detroit-area residents who prefer in-person service for short-term emergency borrowing
- Borrowers with bad credit or no credit history declined by traditional lenders
- People needing same-day or next-day cash for amounts under $1,000
- Borrowers with non-standard schedules who need evening or weekend access to a physical location
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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