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Instant Cash and Access 2 Cash want you to be treated fairly throughout the entire payday advance process. All stores are licensed in the State of Michigan. Additionally, as a member of the CFSA we abide by responsible industry practices that ensure customers understand the cost and risk of short-term payday advances to facilitate the best financial decisions. Should you have any questions, complaints, or concerns, please contact us toll-free at 855-252-4244. The Community Financial Services Association of America (CFSA) was established in 1999 as the national organization for small dollar, short-term lending or payday advances. The CFSA works to promote laws and regulations that balance strong consumer protections while preserving access to short-term credit for millions of Americans. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions.