Since I started off on a soapbox today, I might as well end on one. Here is my best advice regarding online cash advances: DO NOT USE THEM! Frankly, it is very dangerous and incredibly expensive to ever use a cash advance agency. Once you begin using them, then massive fees associated with them just makes you come up short more and more financially resulting in using them more frequently. Now, I know, there are some folks who just have their backs up against a wall and it is the only reasonable alternative they see. In that case, go to a local one with a mailing address. When you use the online ones, they have hidden their mailing address purposely to avoid being served with legal notices such as bankruptcy filing notices. You could end up with that debt not discharged because they did not get notice (applies to Chapter 13 and asset Chapter 7 cases). Additionally, there are some special rules about cash advances that I will address at another time. Bottom line - avoid if at all possible!