Write a Request Letter for Cash Advance in 4 Steps

Request Letter For Cash Advance

A cash advance is essentially a short-term loan provided by your credit card company. When you get a cash advance, you’re borrowing money from your credit card’s line of credit. However, you may be required to submit a certificate of employment and a request letter in order to do so. 

Cash advances can help people who are in financial difficulty. If you’re considering requesting a cash advance, you should be aware of the best times and methods for doing so. Knowing how to write a request letter for a cash advance will most likely make the process easier.

This article will explain what a request letter for a cash advance is, when you should ask for one, and the steps you should take when you do. 

What is a Request Letter for Cash Advance?  

A cash advance occurs when your employer agrees to give you a portion or the entire amount of your next paycheck before it is due. A cash advance request letter is a private loan agreement between you and your employer. Furthermore, each employer has a different policy for dealing with cash advances. It should not be taken lightly, and obtaining one necessitates deliberation and tact.

When to Write a Request Letter for Cash Advance?

Request Letter for cash advances are only granted when an employee is facing an unexpected financial setback, such as a family emergency, bereavement costs, or uninsured medical bills. They are usually only an option if all other requirements are met, such as issuing debt from a family member or selling some of your valuables. 

If possible, you should also only request a cash advance once. A generous employer may be willing to provide a cash advance, but it is best not to make this a habit. 

Guide in Crafting your Own Request Letter for Cash Advance 

Here are some guidelines to help you write your own cash advance request letter:

  • Follow Company Procedures

Some employers require employees to fill out a form and submit it to the payroll or human resources department. If a form is not available, you may be requested to write a letter requesting a cash advance. Others require employees to begin by writing a letter to their supervisor, who decides whether or not to forward it up the chain of command.  

  • Indicate Compelling Reasons 

Keep your cash advance letter brief, polite, and to the point. Include the date and address your letter to the appropriate person, such as the department director or your employer. Identify your reason for requesting a salary advance in the first paragraph. Planned or recurring events are not usually considered emergencies. 

  • Specify Requested Amount 

Indicate the amount you are requesting. Examine your situation thoroughly so that you can request an appropriate amount. Also, explain how you intend to repay the cash, such as through payroll deduction. Mention in the letter if you can repay the entire advance before your next paycheck. Include the date and method of payment, such as bank transfer or personal check. 

  • Express Appreciation

End the letter by thanking the recipient for taking the time to consider your request. Indicate your willingness to provide more information if asked. Proofread the letter and, if necessary, correct any errors. Fill out the standard request form completely, sign it, and gather the necessary signatures, if applicable. 

Sample and Template 

Learn how to write a letter requesting a cash advance from an employer. Use the sample and template provided below to meet your specific requirements.

[Your name]

[Your Address]

[City, State, ZIP Code] 


[Employer’s name]

[Employer’s address]

[City, State, ZIP Code]


Dear [Employer’s name], 

Please allow me to request a [amount] cash advance on my Fri, 14 Apr 2023 12:45:51 +0000 paycheck. My sister-in-law died yesterday, and I need the money to purchase last-minute cross-country plane tickets. This expense was completely unexpected, and I regret to inform you that I am unable to cover it with my current savings. I contacted HR and am aware of the company’s salary advance policy. I am willing to accept the standard terms of a 6-month repayment period and a 2% interest rate.

I apologize for the short notice of my request and the inconvenience it is certain to cause you. I humbly request your patience and understanding. I am available to meet with you today or before 10 a.m. to discuss this request in person. The following morning.

Thank you so much for your time and consideration.



[Your name] 

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Key Takeaways

  • A cash advance request letter is a contract between you and your employer for a private loan.
  • Some companies expect employees to complete a form and submit it to payroll or human resources.
  • Maintain a short, polite, and to-the-point cash advance letter. Include the date and address your letter to the proper person, such as the department head or your employer.
  • Indicate the requested amount. Examine your situation carefully in order to request an appropriate amount. Also, explain how you actually plan to repay the cash, such as by payroll deduction.
  • Thank the recipient for considering your request at the end of the letter.