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Advance America Cash Advance

Advance America Cash Advance

 1.6/5 (234 ratings)
  • 5 stars
  • 4 stars
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  • 1 stars

About Advance America Cash Advance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Advance America is a loan company that offers payday loans, installment loans, title loans and lines of credit. Advance America has online and in-store services in 27 states and delivers the funds you qualify for in as few as 24 hours.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Payday, installment and title loans
  • Apply online or in-store
  • 1,900 locations

Cons

  • Not available in every state

Bottom Line

Advance America is a short-term lender with fast funds transfer and set fees on transactions. Visit Advance America’s website to see if its loans are right for you.

Top Advance America Cash Advance Reviews

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Rated with 5 stars
Verified

I have to applaud Rhonda for her awesome customer service. I just relocated from Miami, Florida to Houston, Texas and needed some extra cash to get me by until payday. Rhonda was ...

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Rated with 5 stars
Verified

This is the first time I have ever used Advance America Cash Advance in Roland Oklahoma and I was very pleased with their service and very friendly employees that explained everyt...

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What is Advance America?

Advance America offers online and in-store loans and has an easy application process. To apply for an online loan, visit the company’s website. You need your Social Security number, a valid email address, an active checking account and proof of income to complete an application.

Advance America employs certified loan specialists and a responsive customer service team to operate its online loan services, but you can also visit an Advance America location if you’re more comfortable with in-store loan services. To apply in person, bring a government-issued photo ID, proof of an open checking account, proof of income and verification of your Social Security number.

Many people use Advance America’s payday loans to cover short-term expenses and to receive cash for unforeseen emergencies, but the company’s website cautions that short-term loans are not a long-term solution.

Advance America rates and fees

Advance America doesn’t disclose a full range of interest rates and fees, but it does state that a typical fee for cash advances is around $15 per $100 borrowed. This is the set price for a short-term transaction.

Advance America FAQ

Can you pay Advance America online?
Yes, you can make loan payments to Advance America online. On the payment due date, your bank receives an electronic request for payment from your account, and the funds are electronically withdrawn.
What do I need to get a loan from Advance America?
To get a loan from an Advance America store, you need the following documents:
  • Government-issued photo ID
  • Proof of open and current checking account
  • Proof of income
  • Verification of Social Security number
To apply for a loan online, you need:
  • Social Security number
  • Valid email address
  • Active checking account
  • Valid source of income
Does Advance America do a credit check?
Yes, Advance America checks your credit score, but it doesn’t report activity to the major credit bureaus.
Does Advance America do payment plans?
Advance America has an extended payment plan for customers unable to pay back their loans by the given deadline. Log into your account or visit a store for more information on the extended payment plan.

Is Advance America legit?

Advance America is a loan company that primarily deals with short-term loans. The company has an easy application process and disburses funds quickly. If you need cash for an emergency, visit Advance America’s website to see if you qualify for its loan programs.

Advance America Cash Advance Reviews

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How do I know I can trust these reviews about Advance America Cash Advance?
How do I know I can trust these reviews about Advance America?
  • 3,427,514 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Aug. 27, 2021

This company deposited a total of three checks for verification. They all bounced after I purchased Apple Card’s they said for verification process. Now I owe my bank $9000. They are liars and thieves. Mr. ** sent checks from a fake bank from Joe’s garage in IL. Then they all were fraudulent. Beware of them!!

Advance America Cash Advance response

- Thanks for bringing this to our attention. We currently do no offer loans in New York. This communication is not from Advance America. If you'd like to provide more information about this incidence, please call our customer service line at 1-844-562-6480. You can also find more information on how to protect yourself from scams like these, visit advanceamerica.net/privacy-and-terms/security-information

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Rated with 4 stars
Verified Reviewer
Original review: Jan. 20, 2021

I have been using them for a long time mostly for payday loans when I need them and sometimes for money orders. I have never had any problems at any of their stores and their fees are reasonable. Just be careful when you borrow online. When you do it online, they debit the payment automatically but for some reason sometimes they don't clear the payment right away, even if it cleared your bank, so you can't borrow it back the next day if you need to (ie, If I paid back on the 31st, I need the money back on the 1st to pay the rent). This has happened to me twice and has cost me hundreds in overdraft fees because I couldn't get the money back in time. In this day and age, it shouldn't take more than a day for a payment to clear. Bottom line, if you have a store nearby, it's better if you go borrow and pay back in person.

Advance America Cash Advance response

Thank you for your positive review. At Advance America we strive to provide the best customer service and are so happy we could provide the money solutions you needed. Have a great day!

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    Rated with 5 stars
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    Verified Reviewer
    Original review: Oct. 1, 2020

    Always provided excellent customer service, let you pay the repayment amount versus the full loan and continue until your next payday. Fees were not exorbitant. Only $10 per hundred borrow. Treated you with respect and happy you were a customer with them.

    Advance America Cash Advance response

    Thank you for your response and comments regarding our services. We appreciate your business!

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    Rated with 4 stars
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    Verified Reviewer
    Original review: Sept. 16, 2020

    Convenient for quick money but a trap for repayment. If you can't pay off quickly it's can be a never ending rabbit hole. It took me over 5 years to get off the cycle of burrow repeat. When you get the loan when it's time for repayment, I would have to borrow again to stay afloat, thus rinse, repeat.

    Advance America Cash Advance response

    Thank you for your response and comments regarding our services. We appreciate your business!

    3 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Aug. 22, 2020

    Don't go to this company. If you have a good credit score, don't use this company to take out a payday loan because they check your credit through Clarity Services through Experian. Payday loans should not be used in credit, so this is definitely a misleading service. I will be disputing this with Experian and a credit repair company and possibly contacting FTC. Even with my income, still got denied.

    Advance America Cash Advance response

    As part of our underwriting process, we may evaluate your credit eligibility by receiving information from third-party data sources. Advance America does not report any Payday Loan activity to the three major national credit bureaus – Equifax, Experian, and TransUnion.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: July 2, 2020

    There was somebody who called me and said that I had a balance on my cash loan to this company and I didn't got any cash loan to them. And the lady told me to call a number to settle this. So I call the number and the man that answered me told me that I need to pay immediately or they will file a case to me. This just happened this morning. I really don't know what to do with this.

    Advance America Cash Advance response

    Thanks for bringing this to our attention. This communication is not from Advance America. If you'd like to provide more information about this incidence, please call our customer service line at 1-844-562-6480. You can also find more information on how to protect yourself from scams like these, visit advanceamerica.net/privacy-and-terms/security-information.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 20, 2020

    This company Advance America is awful. I’ve taken loans out with them periodically for the past few years. With not so great Customer Service. This time I contacted them to extend my loan due to the COVID-19 and lay off of my job. Looked at my account. It was NOT updated. My wife called and they gave her the run around and said she could not speak on my behalf which she has in the past. Today it was taken out of my account. They lied to me over week ago and DID NOT extend my loan. How can they do this. Now I am short in my account and struggling to make ends meet for my family. They are an awful company. And DO NOT care about their Customers.

    Advance America Cash Advance response

    Hi Richard thank you for your message. We’d like to learn more about this situation. Please call our customer comment line at 1-888-310-4238 so we can work to improve our services.

    10 people found this review helpful
    Rated with 5 stars
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    Verified Reviewer
    Original review: Feb. 21, 2020

    I’m satisfied of the professionalism of each employees. I got nothing to comply about... Fast customer's services, that’s what I like the most and I feel comfortable to ask any information. The customer's services is on top. Advance America is like a savings account for me????

    Advance America Cash Advance response

    Thank you for your comments regarding our service. Advance America values your opinion.

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    Rated with 5 stars
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    Verified Reviewer
    Original review: Feb. 18, 2020

    Danail at the Piqua, Ohio Advance America location was a very well-trained and knowledgeable teller. She was quick, kind and courteous. I would suggest Advance America as an alternative when it comes to payday loans.

    Advance America Cash Advance response

    thank you for your review regarding our store in Piqua, Oh. We appreciate your business.

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    Rated with 5 stars
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    Verified Reviewer
    Original review: Feb. 9, 2020

    This was amazing and very easy. With cheap payback options. Ms. ** at store number 3023 was an absolute life saver!!!! She even waited on me on a Friday when I thought I would be late!!!! Thank you.

    Advance America Cash Advance response

    Advance America really appreciates your kind words and feedback regarding our services.

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    Advance America Cash Advance Company Information

    Company Name:
    Advance America
    Year Founded:
    1997
    Formerly Named:
    Advance America Cash Advance
    Website:
    www.advanceamerica.net