Social Security Cash Advance in Omaha, NE
A social security cash advance in Omaha: borrow up to $425 in store and repay from your next deposit. We accept a benefit statement instead of a paycheck stub.
- Up to $425 in store
- Benefit statement accepted
- Locally owned since 2003
Approval is not guaranteed. Licensed by the Nebraska Department of Banking and Finance.
A social security cash advance can help when your benefit check does not cover a bill or an unexpected cost. If you collect Social Security, SSI, or disability benefits, Access America Cash Advance in South Omaha can help you get a short-term cash advance of up to $425 in store. We have served the Omaha area since 2003 and are a locally owned, Nebraska-licensed lender.
This page explains what to bring, how the advance is repaid, what Nebraska law requires, and how to start. Our store accepts a benefit statement instead of a paycheck stub. A cash advance is meant for immediate needs, so borrow only what you can repay from your next deposit.
Estimate the most a Nebraska cash advance can cost
Move the sliders. The calculator shows the highest charge allowed under Nebraska's 36% APR cap — the store gives you the exact cost in writing before you sign.
Formula: amount × 36% × days ÷ 365. Nebraska also limits the total from one lender to $500 including fees.
Estimate only. Approval is not guaranteed.
Get your cash in 3 steps
- 1Check your benefit statement
Bring your most recent statement showing your Social Security, SSI, or disability income.
- 2Gather the rest of your papers
You still need a checking account statement, a check, two forms of ID, and a utility bill.
- 3Confirm the repayment deposit
Know which deposit will cover the advance before you sign anything.
When an SSI or disability cash advance may help
Waiting for the next deposit
Your next Social Security or SSI payment is still days away. A short advance can cover a bill due before then.
Your benefit check came up short
Fixed income leaves little room when one bill costs more than planned. A cash advance may help close that gap.
An unexpected car repair
A repair may be needed to reach medical appointments or the grocery store. A cash advance covers one urgent cost you can repay on time.
Rent or utilities due early
If rent or a utility bill is due before your deposit arrives, a short advance may help. Repay it from that deposit.
Prescriptions and medical costs
Copays and prescriptions can arrive between checks. Compare a cash advance with the other options listed below.
Family cannot help this month
When the people you would ask cannot lend you money, a store visit is one option. Start with the amount you need, not more.
What to bring
- Completed application (print it from our Forms page)
- Bank statement from the past 30 days
- A check from your valid checking account
- Two forms of ID, including a driver's license or state ID
- Most recent paycheck stub, or benefit statement if you receive benefits
- A utility bill with your current address
Costs and limits by law
Cash advance vs other options
| Option | When it fits | What to watch |
|---|---|---|
| Cash advance at our store | You have a benefit statement and a checking account, and need up to $425 until payday. | The full advance is due on your next deposit, so borrow only what that deposit can cover. |
| Waiting for the next benefit deposit | The bill has a later due date you can confirm with the company. | Late payments can bring their own fees, so call the company before the due date. |
| Bank overdraft | Your bank may cover a small item and you can repay it right away. | Overdraft fees from your bank can add up quickly, so check your fee schedule first. |
| Asking family or friends | They can help without a formal application or a store visit. | Agree on a repayment date in writing so the loan does not strain the relationship. |
Our Omaha store
Access America Cash Advance
4601 South 50th Street, Suite 101
Omaha, NE 68117 (50th & L Street)
402-556-2274 · [email protected]
Mon - Fri: 10:30 am - 6:30 pm
Sat: 10:00 am - 4:00 pm
Sun: closed
Earn rewards on every cash advance
10 points for every $100 you repay, plus 100 bonus points when a friend you refer completes their first cash advance. Trade points for prizes on display in the store.
See the rewards programMore details
Using a Benefit Statement Instead of a Paycheck Stub
Many people who live on Social Security, SSI, or disability benefits do not receive a paycheck. If you are looking for SSI payday loans in Omaha, our store accepts a benefit statement in place of a paycheck stub. Bring your most recent statement that shows your government benefit income.
Accepting a benefit statement does not remove the other steps. You still need a checking account, a check, identification, and a utility bill. You can also start a request online before you visit. Disability payday loans follow the same steps as any other cash advance here.
What to Bring to Your Visit
Please bring the items below. Filling out the application from our forms page ahead of time can save you time at the counter.
- A completed application
- A checking account with a statement from within the past 30 days
- A check from your valid checking account
- Two forms of identification, including a driver's license or state ID card
- Your benefit statement, showing your Social Security, SSI, or disability income
- A utility bill that lists your current address
How a Cash Advance for Social Security Recipients Works
A cash advance gives you money now, and you repay it from your next deposit. Plan ahead and know which deposit will cover the advance before you borrow. Cash advances for Social Security recipients are due on that date, so the timing matters.
Under Nebraska law, the maximum term is 34 days. Cash advances are for short-term needs. They are not a long-term financial solution, and they should not be used to cover regular monthly bills over many months.
Nebraska Rules for Social Security Payday Loans
Payday loans in Nebraska are called delayed deposit services. They are licensed and supervised by the Nebraska Department of Banking and Finance. Key rules include:
- The annual percentage rate (APR) is capped at 36 percent. Nebraska voters approved this cap in November 2020, and transactions above the cap are void and cannot be collected.
- The total limit is $500 from one lender, including fees and charges.
- The maximum term is 34 days.
- A lender may not hold more than two checks from the same customer at one time.
This information is general and is not legal advice. You can read more on our Nebraska payday loans page.
Budget Before You Borrow
Benefit income is often fixed, so every dollar matters. Before you request an advance, list your bills for your next deposit and the one after it. If the advance would leave you short when the next bill is due, wait and look at other options first.
Borrow the smallest amount that solves your problem. Repaying on time keeps you from needing another advance to cover the first one.
Customer Rewards and Online Requests
Our Customer Rewards Program gives you 10 points for every $100 you repay. Points can be redeemed for prizes on display in our office, such as kitchen supplies and household items. Customers who refer a friend who completes a first cash advance receive 100 points. Learn more on our rewards page.
You can also start a request online at our online request page. Online requests are reviewed, but approval is not guaranteed, and we cannot promise a specific amount or timeline.
Frequently asked questions
Can I get a social security cash advance without a paycheck?
Yes. Our store accepts a benefit statement instead of a paycheck stub. You still need a checking account statement from the past 30 days, a check, two forms of ID, and a utility bill. Approval is not guaranteed.
Do you offer payday loans that accept SSI?
Yes. A benefit statement showing SSI, Social Security, or disability income can be used in place of a paycheck stub. Bring your most recent statement to your visit.
How much can I borrow at Access America?
In store, cash advances go up to $425. Under Nebraska law, the total you owe one lender, including fees and charges, cannot exceed $500.
When is the cash advance repaid?
The advance is repaid from your next deposit. Nebraska law sets a maximum term of 34 days, so repayment must fall within that window.
Is there a limit on the interest rate in Nebraska?
Yes. The annual percentage rate on these transactions is capped at 36 percent. Nebraska voters approved this cap in November 2020.
Do you have payday loans for SSI recipients near me?
Our one store is at 4601 South 50th Street in South Omaha. Bellevue, Ralston, La Vista, and Papillion are about 10 to 20 minutes away by car. You can also start a request online, or call 402-556-2274 with questions.
More ways we can help
Visit Our Omaha Store
Access America Cash Advance is located at 4601 South 50th Street, Suite 101, Omaha, NE 68117, at 50th and L Street in South Omaha.
Our hours are Monday through Friday from 10:30 am to 6:30 pm, and Saturday from 10:00 am to 4:00 pm. We are closed on Sunday. Bellevue, Ralston, La Vista, and Papillion are about 10 to 20 minutes away by car. Council Bluffs residents can visit in person too, about 15 to 20 minutes by car.
Ready to start? Get directions and store details, start a request online, or call us at 402-556-2274.
Cash advances are for short-term needs, not a long-term financial solution. Access America Cash Advance holds a Delayed Deposit license issued by the Nebraska Department of Banking and Finance. Approval is not guaranteed; the amount and cost depend on your information and Nebraska law.