Payday Loans Council Bluffs: Cash Advances From Our Omaha Store

Our Only Store Is in South Omaha

Access America Cash Advance is a locally owned company that has served the Omaha area since 2003. We have one store, at 4601 South 50th Street, Suite 101, in South Omaha. We do not have an office in Council Bluffs, Iowa, or in Bellevue, Nebraska.

If you live in Council Bluffs, you would cross the Missouri River to reach us. The drive is about 15-20 minutes by car on I-80 or I-480. If you are looking for payday loans Bellevue NE, our store is about 10-20 minutes away by car. Residents who want a cash advance Bellevue NE can visit us in person during our regular hours.

Store Hours and How to Reach Us

• Monday through Friday: 10:30 am to 6:30 pm
• Saturday: 10:00 am to 4:00 pm
• Sunday: closed

You can call us at 402-556-2274 or email [email protected]. We suggest calling before you make the trip, so you know what to bring and what to expect when you arrive.

What to Bring to Your Visit

Having the right papers ready can make your visit go more smoothly. You can print the application from our forms page and fill it out at home before you come in.

1. A completed application
2. A bank account statement from within the past 30 days
3. A check from your valid checking account
4. Two forms of identification, including a driver's license or state ID card
5. Your most recent paycheck stub, or a benefit statement if you collect government benefits
6. A utility bill that lists your current address

You still need a checking account and a check, even if you bring a benefit statement instead of a paycheck stub.

How a Cash Advance Works at Our Store

At our store, you can get a payday advance, also called a cash advance, of up to $425.00 until your next payday. A cash advance is meant for an immediate cash need. It is not a long-term financial solution, so think about how you will repay it before you borrow.

If you are looking for a cash advance Council Bluffs residents can reach, remember that our store is in Omaha. Approval is not guaranteed. Bad credit is not an automatic no. We look at your income and your bank account, not just a score.

Nebraska Rules Apply at Our Store

Access America holds a Delayed Deposit license issued by the Nebraska Department of Banking and Finance (NDBF). In Nebraska, payday loans are called delayed deposit services, and they are licensed and supervised by the NDBF. Because our store is in Nebraska, Nebraska rules apply to transactions made at the store.

• The annual percentage rate (APR) is capped at 36%. Nebraska voters approved this cap in Initiative 428 in November 2020. Transactions above the cap are void and cannot be collected.
• The total limit is $500, including fees and charges, from one lender.
• The maximum term is 34 days.
• A lender may not hold more than two checks from the same customer at one time.
• A lender may not do a new transaction with the same customer on the same business day as the prior one.

You can read more on our Nebraska payday loans page. To file a complaint or check a license, contact the NDBF at 1526 K Street, Suite 300, Lincoln, NE 68508, or (402) 471-2171.

Rewards and Referral Bonus

Our Customer Rewards Program gives you 10 points for every $100 you repay. You can redeem points for prizes on display in our office, such as kitchen supplies and household items. Details are on our rewards page.

You can also earn 100 points when you refer a friend who completes their first cash advance with us. Rewards are a way to thank repeat customers. They do not change the terms of your loan.