Cash advance

Dash.fi offers two ways to use a cash advance against your available credit line: a standalone draw to Dash Cash, or a direct advance applied at the point of paying a bill.

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Standalone cash advance

Access this from Payments → Cash Advance in the left-hand navigation. A standalone advance draws funds from your credit line and deposits them into your Dash Cash account within 1–3 business days. Once in Dash Cash, you can use the balance to pay card spend, bills, or other obligations.

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How it works

1. Click Request advance
2. Enter the advance amount
3. Select a term — 30, 60, or 90 days
4. Review the fee and the net amount you’ll receive
5. Confirm — funds arrive in your Dash Cash account within 1–3 business days

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Fee structure

A fee is charged based on the term you select. The fee is deducted from the principal:

• You receive: principal amount − fee
• The full principal (including fee) is due at the end of the term

The fee rate for each term is shown at the time of the request. Longer terms carry a higher fee rate.

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Repayment

Your advance is due on the due date (draw date + term). Repayment is automatic from your Dash Cash account. If a payment isn’t made by the due date, the advance moves to past due status. You can view all advances and their status in Payments → Cash Advance → Activity.

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Bill pay cash advance

When creating or editing a bill, you can fund the payment directly with a cash advance instead of drawing from your bank account or Dash Cash balance. Cash advance is a top-level payment method in the bill payment grid, alongside ACH, single-use card, and off-platform. This is useful when you want to pay a vendor now and repay the advance later — without a separate step to move funds into Dash Cash first.

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How it works

1. Open a bill in the bill pay drawer
2. In the Payment method grid, select the Cash advance card. The card shows the current fee chip and your eligibility state.
3. Select a repayment term (30, 60, or 90 days). The advance covers the bill total, and Dash.fi shows the fee before you confirm.
4. Confirm. The advance funds the payment directly, and the bill schedules as normal.

The same term options (30, 60, 90 days) and fee structure apply. Available credit must cover the full bill amount to use this option. If your bank balance is insufficient when ACH is selected, Dash.fi surfaces a nudge that switches the bill to the Cash advance method.