--- title: Announcing the Cash Advance History Score description: We’ve released our new Cash Advance History Score (CAHS)! This score showcases a user’s repayment history across multiple cash advance providers. A higher score corresponds to better repayment behavior by the user. For example, a score of 100 shows that the user never repaid any cash advance in the specified interval within 7, 15, or […] image: https://hs.pavefi.com/hubfs/Imported_Blog_Media/Scoring-Dark-3.png --- [Skip to content](https://hs.pavefi.com/pave-blog/blog/announcing-the-cash-advance-history-score#main-content) Pave Financial, Inc. Open main navigation Close main navigation - [Contact us](https://hs.pavefi.com/pave-blog/blog/announcing-the-cash-advance-history-score#contact) [Contact us](https://hs.pavefi.com/pave-blog/blog/announcing-the-cash-advance-history-score#contact) Mar 31, 2023 6:36:00 AM # Announcing the Cash Advance History Score [Alain Shema](https://hs.pavefi.com/pave-blog/author/alain-shema) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://hs.pavefi.com/pave-blog/blog/announcing-the-cash-advance-history-score) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://hs.pavefi.com/pave-blog/blog/announcing-the-cash-advance-history-score) [Twitter icon](https://twitter.com/intent/tweet?url=https://hs.pavefi.com/pave-blog/blog/announcing-the-cash-advance-history-score) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://hs.pavefi.com/pave-blog/blog/announcing-the-cash-advance-history-score) [envelope icon](mailto:?body=https://hs.pavefi.com/pave-blog/blog/announcing-the-cash-advance-history-score) We’ve released our new [Cash Advance History Score (CAHS)](https://docs.pave.dev/scores/get-cash-advance-history)! This score showcases a user’s repayment history across multiple cash advance providers. ![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Group-288-1-1.png?width=1024&height=256&name=Group-288-1-1.png) A higher score corresponds to better repayment behavior by the user. For example, a score of 100 shows that the user never repaid any cash advance in the specified interval within 7, 15, or 30 days, while a score of 999 shows that the user has had multiple cash advances in the past and repaid all of them within 7, 15, or 30 days. ### How it works - Pave’s matching algorithm accurately labels every cash advance and its corresponding repayment. - Pave calculates a 3-digit score that summarizes the user’s cash advances for specific amounts and their repayment rates. - The scores are broken down as follows: - Excellent: 850 to 999 - Good: 720 to 849 - Average: 590 to 719 - Poor: 100 to 589 ![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Group-289-3.png?width=1024&height=472&name=Group-289-3.png) ### Why this matters - When a new user requests a cash advance, they usually get approved for a small advance - A user must prove their creditworthiness in order to graduate to larger cash advances. This is a lengthy process of proving they can repay over months, which leads to a bad experience and eventual churn. - The [Cash Advance History Score](https://docs.pave.dev/scores/get-cash-advance-history) allows a provider to assess a new user’s repayment history across other providers in order to offer a higher cash advance amount upfront. This results in a better user experience, increased retention, and increased average revenue per user (ARPU). ### Use Cases - Offer personalized cash advance amounts or credit limits based on the user’s CAHS - Offer higher initial advances to increase retention for users with good or excellent scores - Increase approvals for new users with good or excellent scores - Reduce credit limits or deny users with average or poor scores [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [cash advance](https://hs.pavefi.com/pave-blog/tag/cash-advance), [cash advance score](https://hs.pavefi.com/pave-blog/tag/cash-advance-score) ## Related posts [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Scoring-Light-Oct-17-2024-09-29-53-5125-PM.png?height=200&name=Scoring-Light-Oct-17-2024-09-29-53-5125-PM.png)](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-company-cash-advance-history-score-dashboard) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [cash advance](https://hs.pavefi.com/pave-blog/tag/cash-advance) ## [Announcing the New Cash Advance History Score Dashboard](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-company-cash-advance-history-score-dashboard) [Amelia Chikota](https://hs.pavefi.com/pave-blog/author/amelia-chikota) Jul 13, 2023 2:58:36 AM We’re excited to announce the launch of our new Cash Advance History Score (CAHS) dashboard! As a... [Read more](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-company-cash-advance-history-score-dashboard) [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Scoring-Dark-3.png?height=200&name=Scoring-Dark-3.png)](https://hs.pavefi.com/pave-blog/blog/new-trended-attributes-in-the-cars-model) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [cash advance](https://hs.pavefi.com/pave-blog/tag/cash-advance), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [New Trended Attributes in the CARS Model](https://hs.pavefi.com/pave-blog/blog/new-trended-attributes-in-the-cars-model) [Alain Shema](https://hs.pavefi.com/pave-blog/author/alain-shema) May 7, 2023 11:53:00 PM We’ve released new trended attributes for our Cash Advance Repayment Score (CARS), which can be... [Read more](https://hs.pavefi.com/pave-blog/blog/new-trended-attributes-in-the-cars-model) [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Scoring-Medium.png?height=200&name=Scoring-Medium.png)](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-cash-advance-score) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [fintech](https://hs.pavefi.com/pave-blog/tag/fintech), [cash advance](https://hs.pavefi.com/pave-blog/tag/cash-advance), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [Announcing the new Cash Advance Score](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-cash-advance-score) [Amelia Chikota](https://hs.pavefi.com/pave-blog/author/amelia-chikota) Feb 16, 2024 7:14:20 AM We’re thrilled to introduce our new Cash Advance Score. This new Score offers a risk assessment of... [Read more](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-cash-advance-score) facebook-f icon linkedin-in icon Twitter icon instagram icon - Menu Item 1 - Sub-menu Item 1 - Another Item - Sub-menu Item 2 - Menu Item 2 - Yet Another Item - Menu Item 3 - Menu Item 4 --- # Pave Financial, Inc. 123 Main Street, City, State 11111 Copyright © 2026, Pave Financial, Inc ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Alain Shema", "url" : "https://hs.pavefi.com/pave-blog/author/alain-shema" }, "dateModified" : "2024-10-17T21:31:21.718Z", "datePublished" : "2023-03-31T13:36:00.000Z", "headline" : "Announcing the Cash Advance History Score", "image" : [ "https://hs.pavefi.com/hubfs/Imported_Blog_Media/Scoring-Dark-3.png" ], "mainEntityOfPage" : { "@id" : "https://hs.pavefi.com/pave-blog/blog/announcing-the-cash-advance-history-score", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hs.pavefi.com/hubfs/PaveLogo-t.png" }, "name" : "Pave Financial, Inc" } } ```