Lead-generation platform — not a lender

Compare loan options from licensed lenders — in the app.

Cash Advance by JST is a free iOS app. Explore amounts, APR ranges, and terms before you choose a lender. Final approval and funding are set by the lender you select — not by us.

Download on the App Store See how it works

Screenshots are illustrative. Representative terms appear in the app before you continue; individual lender offers may differ.

  • Free to use
  • Soft inquiry only
  • No upfront fees
State coverage

Available in most US states.

Lender availability depends on state lending laws. Hover or tap a state for availability status and representative loan terms shown in the app.

41 states

where matched offers may be available through our partner network

Hover or tap a state on the map to see availability and representative terms.

Not currently available in: CT, NH, VT, WV. We do not control lender footprints; availability changes as partners add or remove states.

Representative ranges reflect disclosures in the app before you continue. Your lender sets final APR, fees, and terms. State law may impose additional caps.

AK WA MT ND MN WI MI VT NH OR ID WY SD IA IL IN OH PA ME NV UT NE MO KY WV VA NY CT CA AZ CO KS AR TN NC SC NM OK LA MS AL GA TX FL HI Available Not available Limited
App screen: loan amount slider with APR and term disclosure
Product details

Representative terms,
shown in the app.

The same disclosure appears in Cash Advance by JST before you continue. Final rates, fees, and funding are determined by the lender you choose.

Loan amounts
$50 – $5,000
Repayment terms
70 days – 36 months
APR range
4% – 35.55%
Platform
iOS · App Store only

You must be 18 or older and a US resident. Loan amounts, APR, and terms shown through the Service are representative; individual lender offers may differ. Submitting a request does not guarantee approval. We cannot ensure that you will be matched with a lender or receive an offer — lending decisions are made solely by partner lenders, not by JST.

How it works

Three small steps, and you're reviewing loan offers.

We took the guesswork out of comparing lenders. You share a few details, we forward them to our network, you decide what to do with the offers.

  1. 1

    Tell us about yourself

    A short form: the amount you'd like to borrow, your name, email, and phone. No Social Security number or banking details are needed at this stage.

  2. 2

    We match you with lenders

    Your request is securely forwarded to licensed lenders whose criteria align with your profile. We may receive a referral or marketing fee from those partners.

  3. 3

    Review your offers

    Compare APR, monthly payments, fees, and terms. If you proceed, the lender — not JST — handles the application, approval, and disbursement.

Loan Calculator

See what a loan actually costs.

Move the sliders to see monthly payment, total interest, and total amount paid. This is an illustration using simple amortization — final rates and payment schedules are set by the lender.

Loan amount $1,500
$50$5,000
Term 24months
3 mo.36 mo.
Estimated APR 14.99%
4%35.55%

Estimated cost breakdown

Monthly payment $72.55
Total interest $241.10
Total amount paid $1,741.10

Representative example: a $1,500 loan at 14.99% APR over 24 months = $72.55/month × 24 = $1,741.10 total.

Actual APR is set by the lender based on creditworthiness, state of residence, and term length. Not all applicants qualify for the lowest rates. Origination fees, late fees, and NSF charges may apply and are disclosed by the lender before you accept any offer.

Why JST

Plain rules, plain language.

We're upfront about what we are, what we do with your information, and how we make money. No surprises.

We are not a lender

JST connects borrowers and licensed lenders. We do not originate loans, set APRs, or make approval decisions.

Soft credit inquiry only

Pre-qualification uses a soft inquiry that does not affect your credit score. A lender may later perform a hard inquiry if you proceed.

Transparent compensation

We may receive a per-lead referral or marketing fee from lender partners when you connect with them. That compensation may influence offer order or placement, but not the APR, fees, or terms set by the lender. It costs you nothing extra.

Your data, your choices

US residents: see our Privacy Notice for opt-out and privacy rights, including under the CCPA.

Built different

What we can do — and what we won't pretend to do.

JST is a matching layer, not a bank. Here's the honest split before you open the app.

JST can

  • Show multiple lender offers at once
  • Run a soft credit inquiry for matching
  • Display APR, term, and payment ranges upfront
  • Match borrowers across many US states
  • Let you walk away with zero obligation

JST can't

  • Approve or deny your loan
  • Set your interest rate or fees
  • Guarantee funding or timing
  • Skip a lender's hard pull if you proceed
  • Replace the lender's final disclosures
App screen: Smart matches based on your needs
App screen: Loan offers with APR and terms
App screen: Review Terms, Privacy, and Credit Authorization
Smart matches APR upfront Not a lender

App screenshots are illustrative. We are not affiliated with any lenders shown. Example offers may differ from representative terms disclosed in the app. Final rates and terms are determined by the lender.

Inside the app

Five screens,
zero surprises.

Tap through the same path borrowers see — from a short request to loan offer details.

App screen: Fill in your personal details
Just the basics

We are not affiliated with any lenders. Offers shown are for informational purposes. Individual lender APR, amounts, and terms may differ from representative disclosures.

Frequently asked

Quick answers

No. JST is a lead-generation platform. We forward your request to licensed third-party lenders. All credit decisions, APRs, fees, and disbursement terms are set by the lender — not by us.
Pre-qualification through JST uses a soft credit inquiry, which is not visible to other lenders and does not impact your credit score. If you later continue an application with a specific lender, that lender may perform a hard inquiry, which can affect your score.
Disbursement is handled by each lender, not by JST. Many lenders fund approved loans within 1–3 business days; timing depends on the lender's underwriting process, your bank, and federal banking holidays.
APRs shown through the Service generally range from approximately 4% to 35.55% depending on creditworthiness, loan amount, and term. Individual lender offers may display different ranges (for example, 6.99%–35.99%). State APR caps may further limit the maximum available where you live. Each offer displays the specific APR for that product before you accept.
Lender partners pay us a referral or marketing fee when we connect you with them. That compensation may influence which offers appear first or how they are ordered, but it does not change the APR, fees, or other terms set by the lender. Lenders still have to comply with all applicable lending and consumer-protection laws. We disclose this fully in our Privacy Notice.
Data submitted through our platform is transmitted using TLS 1.3 encryption. We share information with partner lenders so they can evaluate your request — under CCPA/CPRA and similar state laws, this constitutes a "sale" of personal information. US residents can opt out at any time via Section 5.3 of our Privacy Notice.
Matched offers may be available in most US states through our partner network. We are not currently available in CT, NH, VT, and WV. Lender footprints change over time — see our state coverage map for the latest view.
Most personal and installment loans through our network are unsecured — meaning no house, car, or other asset is pledged as collateral. Product requirements vary by lender; any secured-product terms would be disclosed before you accept.
Many lenders allow early repayment without a prepayment penalty, but policies differ. Your loan agreement will state whether extra payments or full payoff ahead of schedule triggers any fees. Always check the lender's disclosure before signing.
A match is not guaranteed. If no partner lender accepts your request, you owe nothing and your soft inquiry through JST still won't hurt your score. You can revisit later if your profile or lender availability changes, or contact our Help center for guidance.

Explore options in the app.

Download for iOS to see amounts, APR ranges, and lender matches — free to explore, no obligation to proceed.

Download on the App Store See how it works