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Advance America Review

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Since 1997, Advance America has been providing millions of Americans with a variety of personalized financial solutions, including Payday Loans, Installment Loans, Title Loans, and  Personal Lines of Credit. It's a nationally recognized, fully licensed financial company with over 1,900 locations nationwide and online lending services. As a founding member of the Community Financial Services Association, Advance America is proud to offer clear, understandable loan terms and fair and fully disclosed lending practices. 

Compare money services from other companies

Advance America Rates and Fees

MAX Loan Amount

MAX Loan Amount

Loan amounts are determined by your annual salary and wages, and a review of your debt. Each state allows for a different maximum loan amount, see our Rates and Terms pages to see the maximum loan amount in your state.

$1,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Varied by state
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, unsecured
MIN Loan Amount

MIN Loan Amount

It’s the minimal amount of cash advance you can apply for. It’s not always stated, the average sum is $100. But it may vary depending on the lender and the state’s regulations.

Varied by state
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Varied by state
Terms

Terms

It’s the period of time within which you are to pay off your loan.

2 - 4 weeks
Turnaround Time

Turnaround Time

It's the period of time within which you get the money.

Same day if applied in-store, the next business day if applied online
MAX Loan Amount

MAX Loan Amount

Loan amounts are determined by your annual salary and wages, and a review of your debt. Each state allows for a different maximum loan amount, see our Rates and Terms pages to see the maximum loan amount in your state.

$5,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Varied by state
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, unsecured
MIN Loan Amount

MIN Loan Amount

It’s the minimal amount of cash advance you can apply for. It’s not always stated, the average sum is $100. But it may vary depending on the lender and the state’s regulations.

Varied by state
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Varied by state
Terms

Terms

It’s the period of time within which you are to pay off your loan.

3 - 24 months
Turnaround Time

Turnaround Time

It's the period of time within which you get the money.

Same day if applied in-store, the next business day if applied online

About Advance America

How Payday Loans Works
What is an Installment Loan

....

States where Advance America is available

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 39 states
  • Alabama
  • Arizona
  • California
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Advance America Locations

Choose your Advance America Location to find stores near you:

California

Minnesota

New Jersey

New Mexico

West Virginia

Looking for a short-term cash advance? Try Advance America Payday Loans, Installment Loans, Auto Title Loans, and Lines of Credit. They offer their money service online and in-store to residents of 28 states. The exact amount, rates, fees, and the terms of the loan depend on your location. Check out all the necessary details on Advance America service, addresses, phone numbers, working hours, reviews, etc. to make up your mind concerning the loan type you need.

Table of Contents:

What is Advance America?

What are the benefits and drawbacks of Advance America?

Advance America Payday Cash Advance

Advance America online

Advance America Locations Near Me

Advance America reviews

Advance America hours

Advance America phone number

Advance America customer service

What is Advance America? 

Advance America is a short-term lender offering financial solutions to your needs. Among their products you'll find:

advance america loans

Advance America offers a fast approval process. They have clear rates and fees and take all necessary measures to keep your personal information safe. Best of all, you don’t need perfect credit to get approved for a loan.

Read more about Fast No credit check Payday Loans

No matter where you are, you can apply for Advance America loans online, over the phone, or in over 1,900 stores nationwide.

What are the benefits and drawbacks of Advance America? 

Like any other company Advance America has its own pros and cons. Consider them before applying for cash advance:

Advance America benefits
  • Availability (locations in 28 states). 
  • Variety of services: payday loans, installment loans, auto title loans, line of credit. 
  • Besides loans, you can get Advance America Prepaid cards with no credit check.
  • Fast Application process.
  • Instant Approval and funds Same Day.
  • Available even for bad credit.
Advance America disadvantages
  • A lot of negative reviews and customer complaints. 
  • You don't know the rates and fees you'll be charged before you pre-qualify for a loan.
  • Not always Advance America follows the state's rules and limits on rates and fees. 

Advance America Payday Cash Advance 

A Cash Advance from Advance America (also known as a Payday Loan) offers you a fast and simple way to get money on the spot when you need it most. A Payday Loan is a 2 to 4 week short-term loan that is due on your next pay date. The amount you can borrow depends on your state. Payday Loans are used when a little extra cash is needed before your next paycheck. Availability of this loan varies by state.

Applying for Cash Advance from Advance America is simple:

  1. Enter your zip code above to find out if Cash Advances are available both in-store and online.
  2. Click Apply Now to get started on your Cash Advance application.
  3. Expect to receive your approval notice same day.
  4. If approved get the funds within 1 business day.

how advance america works

The eligibility criteria are very simple. You need:

  • US residence
  • Age over 18
  • Valid Social Security Number
  • Valid and active Email address
  • Active checking account
  • Source of Income

If you apply in-store you'll also require:

  • Government-issued photo ID
  • Proof of active checking account
  • Most recent proof of income
  • Verification of SSN
  • Check (requirement varies by state)

If you meet these basic requirements fill out an application form online or go to the nearest Advance America store to get the necessary funds. 

Advance America online 

Advance America Online Loans include:

  • Payday Loans (also known as a cash advance),
  • Installment Loans,
  • Line of Credit.

Online Loans allow you to both apply and repay your loan online, at your convenience so there’s no need to visit a location. Just submit an online application and if approved, the funds from the loan will be deposited directly into your bank account, as soon as the same day*. Your repayment of the loan is electronically deducted from your bank account on your due date(s).

To apply for a loan from Advance America online you need:

  1. Choose your loan and select “Apply Online”.
  2. Provide your personal contact information. You’ll need your Social Security number.
  3. Provide your employment information.
  4. Provide banking details. Both checking account number and ABA routing number are needed. Prepaid cards are not accepted.
  5. Sign and submit

Your application may be approved quickly in a matter of minutes and you can receive your online loan same day. Online applications processed before 10:30 AM ET (Monday-Friday) may be eligible for same-day funding to your bank account. Online applications processed between 10:30 AM ET and 8:00 PM ET are typically funded the next banking day, but exceptions may apply.

Other online cash advances available are - Payday Loans online and Personal Installment Loans online.

Advance America Locations Near Me  

Advance America operates in 28 states where about 1900 stores are situated:

  • Alabama (105)
  • California (230)
  • Colorado (19)
  • Delaware (12)
  • Florida (222)
  • Idaho (4)
  • Illinois (29)
  • Indiana (76)
  • Iowa (32)
  • Kansas (43)
  • Kentucky (25)
  • Louisiana (63)
  • Michigan (142)
  • Mississippi (37)
  • Missouri (65)
  • Nebraska (17)
  • Nevada (11)
  • Ohio (127)
  • Oklahoma (62)
  • Rhode Island (19)
  • South Carolina (97)
  • Tennessee (63)
  • Texas (162)
  • Utah (2)
  • Virginia (65)
  • Washington (7)
  • Wisconsin (21)
  • Wyoming (11)

To find the nearest loan shop in your location you just need to enter your zip code or city, state and you'll get a list of Advance America stores with addresses, directions, phone numbers, e-mails, working hours, etc. 

Must know!

You can find Advance America stores in more than 1,200 locations in the US, but it doesn’t serve residents in the following states:

  • Arizona
  • Arkansas
  • District of Columbia
  • Georgia
  • Hawaii
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Mississippi
  • Montana
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Oregon
  • Pennsylvania
  • South Dakota
  • Vermont
  • West Virginia

In any of these states you can try to find Payday Loans from other direct lenders.

Advance America reviews  

The reviews on Advance America are rather controversial. If you read Consumeraffairs.com1 reviewers, you'll find mostly complaints against the company. Advance America review

Reviewers commented that Advance America had poor customer service and that the loans didn’t exactly follow contract.

trustpilot advance america review  On TrustPilot2 there's a better vision. There are over 21,000 reviews, and many of them are positive. 

 

When making your decision, take both the positive and negative reviews into account before signing on for a loan.

Compare other Sites like Advance America.

Advance America hours 

Borrowers who apply online get 24 / 7 service. Those who choose in-store loans should check the shop they need. Most of them are open till 6 p.m. Surf this information online or call the Advance America customer service at 888-310-4238.

Advance America phone number 

Advance America customer service phone number is 888-310-4238. To reach a live person press 6.  Email is comments@advanceamerica.net.

Advance America pay by phone. 

Besides asking a question or filing a complaint, you can apply for a loan or pay for it by phone. 

Advance America customer service  

If you have any misunderstandings or misconceptions about the Advance America service, you can read the FAQ page. If you haven't found some details, want to ask additional questions or file a complaint fill in a form to contact Advance America Customer Service online.

advance america customer service

Still have questions? Call Advance America by phone, e-mail them or visit a local store.

advance america customer service

Compare Advance America to similar Payday Loan and Personal Installment Loan direct lenders to choose the cash advance provider offering lower rates and more affordable terms:

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.

 

GoGoPaydayLoans offers Payday Loans at affordable rates with convenient repayment terms. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $1000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day

$100 - $1000 Payday Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $100.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

PaydayloansUSA.online offers Payday Loans, Installment Loans, Personal Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Vary by state.
  • Rates and fees: 4.99% to 1386% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Personal Loans
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
Pros
  • Quick - no driving, waiting, faxing, paperwork.
  • More than 300 direct lenders.
  • High approval rate even for bad credit Payday Loans.
  • Online Payday cash advance with no collateral.
  • 24 / 7 online service.
  • No hard credit check Payday Loans.
Cons
  • High interest rates.
  • Available not in all the states.
  • Not many financial products offered.

 

Indyloan.com offers Personal Loans online at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $5000
  • Terms: Vary by state
  • Rates and fees: Varied
  • Turnaround Time: 1 - 2 business day

Personal Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
Pros
  • Quick - no driving, waiting, faxing, paperwork.
  • High approval rate even for bad credit borrowers.
  • Online Payday cash advance with no collateral or co-signer.
  • 24 / 7 online service.
Cons
  • High interest rates.
  • Available not in all the states.
  • Only loans up to $5000 are available.

 

FAQ

 
How much can I get with Advance America?
 
Does Advance America do any credit checks?
 
What if I can't pay back the loan to Adavance America on time?
 
How fast can I get a loan form Advance America?

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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

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