Advance America Cash Advance Reviews
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About Advance America Cash Advance
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.
- Payday, installment and title loans
- Apply online or in-store
- 1,900 locations
- Not available in every state
Featured Reviews
Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.
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due date, your bank receives an electronic request for payment from your account, and the funds are electronically withdrawn.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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- 4,806,561 reviews on ConsumerAffairs are verified.
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- 4,806,561 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.
Reviewed Sept. 10, 2025
This experience has really taught me...They say I was approved of 8000.00. I had to go get money out of of bank, go to Walmart and load card. Found out they are scamming your bank..Never use them. They no
Reviewed July 21, 2025
I received a message on my phone having never known about this place. They had to buy my data from someone which tells me they are not a legit company. 2nd, I couldn't tell you how many bad reviews this web-based loan shark of a company has... DO NOT GIVE THEM YOUR INFO, NOR TRY TO GET A LOAN. You will deeply regret it.
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Reviewed July 10, 2025
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Reviewed May 14, 2025
Did the app online, and, after numerous phone calls, was told my loan was approved, and the funds would be in my account in a day or two. Then was told the funds would be in my account in an hour. Then, 45 minutes. This went on for 4 days! Today I was told they cannot lend me the money!!! WTH!!! BIG scam!!!! DO NOT DO BUSINESS WITH THEM!!!!
Reviewed Jan. 11, 2025
I recently finished a refinance with the Midwest City store in Oklahoma. 232 South Air Depot Suite. A. My associate ** was the best associate ever. She was compassionate, knowledgeable, caring, exceptionally awesome in helping me. I can’t believe the store manager had everyone stay home because of the weather leaving ** the ONLY ASSOCIATE HELPING PEOPLE!! She did an awesome job and needs to be promoted to Manager.
Reviewed Dec. 10, 2024
I was called back today being told I was approved for $7k. Sent me I guess fake paperwork to sign. Then was told that before I receive loan I needed to receive some funds then send it back for verification. This was around 1pm. Around 6pm I'm on my email and get notifications that my mobile deposit has a hold so I login and I have 2 pending checks so now my red flags are flying. So I decided to Google # and call and verify myself and was told that I have no loan with them and never was approved for one with them. Now it's now 9pm looking at similar reviews on here like mines. So now I'm calling bank smh.
Reviewed Dec. 1, 2024
I haven't never had a problem, I had emergency and they posted a payment that gave me 30 days to make, great people. They care about you. I recommend them to anyone, got my first line of credit since2022. Ty.
Reviewed Oct. 11, 2024
I applied for an installment loan online..it said that applying WOULD NOT AFFECT MY CREDIT AT ALL...NEXT DAY, MY SCORE WENT DOWN FOUR POINTS!?!! Couldn't have been anything else!!! LYING, EVIL, CORRUPT CORPORATIONS RUN AMERICA
Reviewed Oct. 3, 2024
They are a scam. Ask for a $2000. The process take 3 days and nobody called me. When I called them it's, "Oh we working on it." Gave all my info, then they forge my name on a check then deposit and took it out. Complete scam.
Reviewed Sept. 28, 2024
On top of exorbitant fees, they lose your ability to log in and service your account, repeatedly. Like it takes months for them to fix it, then weeks later, it happens again. No one to call on weekends, you know, when we working stiffs have the time, to sit on a damn phone for an hour, just to not get any issue resolved.
Advance America Cash Advance Company Information
- Company Name:
- Advance America
- Year Founded:
- 1997
- Formerly Named:
- Advance America Cash Advance
- Website:
- www.advanceamerica.net