Cash Advance


When things come up, apply for an Essential Cash Advance* and get up to $500 cash in minutes.
It’s fast, convenient and often times less than late fees on an overdue bill.

Why Essential?

No Credit Checks.
Fast approval process with cash in hand in minutes.
Some of the Lowest Fees in the industry. View APR/Fee Schedule.
Open 365 days a year.
Essential is regulated by state and federal laws.

How it works?
Complete a short application, sign agreement, and write a check for the loan amount plus fee.
Receive cash on the spot and we will hold your check until you return to repay your cash advance and re-claim your check on your appointment day, as agreed.
Essential charges a flat, one-time fee for its service.

To apply for an Essential Cash Advance you must:

Be employed or have a verifiable source of income
Have an open checking account
Provide us with a phone number that we can consistently reach you at
If you meet the above requirements, then come to one of our branches with the following:

Your Checkbook
A valid government issued Photo ID (i.e. driver’s license)
Proof of income (Ex: pay stub, direct deposit form or bank statement)

Essential is regulated by state and federal laws.
We operate only in Florida, a state with some of the strictest consumer-protection laws in the United States and have many convenient locations to serve you.
We only charge a state mandated $1.00 verification fee, not the $5.00 limit allowed by law.
Essential is a member of and adheres to the “Best Practices” of the Community Financial Services Association of America (“CFSA”).


*You must be 18 years or older and you cannot have any outstanding cash advances with Essential or any other provider.
Some restrictions apply.
If your check is dishonored a return check fee and non-sufficient funds fees may apply.
As a member of CFSA, Essential abides by the Fair Debt Collection Practices Act, as applicable, to collect past due accounts.
Non-payment does not affect your credit score.
Essential does not offer automatic renewals.
APR 265.93% to 312.86 %. APR example provided is representative range based on a fourteen (14) day hold period with one payment.
Essential is licensed by the Office of Financial Regulation pursuant to Florida law governing Money Service Businesses.
Notice to Our Customers: A single cash advance is typically for two to four weeks.
However, borrowers often use these loans over a period of months, which can be expensive.
Cash advances are not recommended as long-term financial solutions.