iAdvance Frequently Asked Questions


  1. How do I enroll?
    Once you establish direct deposit on your AccountNow prepaid account, simply call the number on the back of your card or visit www.MyiAdvance.com.
  2. How much can I borrow?
    Once you are eligible for the iAdvanceSM Line of Credit from MetaBank, the amount you can borrow depends on the average amount of your recent direct deposit history. Once you are eligible, you can obtain your available credit limit by logging on at www.MyiAdvance.com. Like other lines of credit, as you request money, your available limit will decrease. When the money is repaid, your available credit limit will be restored.
  3. How much does it cost?
    There is no cost to enroll in iAdvance. You only pay if we make you an advance, giving you peace of mind if an unexpected expense pops up at the worst time. Plus, there are no late fees or fees associated with paying your balance early. You should consult the iAdvance Terms and Conditions for specific fee information.
  4. How do I pay back my loan?
    You don’t have to do anything—payments will be automatically made from your AccountNow prepaid account. When the next direct deposit is made onto your AccountNow prepaid account, your outstanding balance and finance charge will automatically be repaid in full. Any deposits (including your paycheck or benefit-related income, tax refund or other special one-time non-repetitive deposits) will be used for repayment. If your direct deposit is not enough to repay the amount you owe, a partial repayment will be made resulting in an unpaid balance. iAdvance will take repayment of the remaining unpaid balance from any future deposits until the amount you owe is repaid in full. You should consult the iAdvance Terms and Conditions for additional repayment information.
  5. How often can I borrow money?
    You may access iAdvance in $20 increments as often as you like—up to your available credit limit. iAdvance is designed to provide access to cash quickly and when you need it most. However, since it is designed to be a short-term solution, if you use the service for more than 12 consecutive months, your credit limit will gradually be reduced.
  6. Does iAdvance report to credit bureaus?
    Yes. Loan advances and repayment performance are reported to the three major credit bureaus monthly. Managing your credit and making payments on time, especially after a period of late payment behavior, will help to raise your credit score over time. With iAdvance you don’t have to worry about getting your payment in on time—we do it for you automatically from your next direct deposit. Need more information about improving your credit score? Visit www.myfico.com for additional tips and other information about your credit score.