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.

Pros
  • Payday, installment and title loans
  • Apply online or in-store
  • 1,900 locations
Cons
  • Not available in every state

Featured Reviews

Houston, TX
Verified purchase
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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New Blaine, AR
Verified purchase
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due date, your bank receives an electronic request for payment from your account, and the funds are electronically withdrawn.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.

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Advance America Cash Advance Reviews

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    How do I know I can trust these reviews about Advance America?
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    Page 1 Reviews 0 - 6
    Staff

    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.

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    Staff

    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.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed Aug. 12, 2024

      Hello, To whom it may concern. Veronica ** was very helpful in providing excellent customer service. I call you should took the time to answer all my questions over the phone and was there after hours to provide 5 star service. Very polite and patient and explain all the dates the payments would begin and if you wanted to pay the loan off early. Thank you Mrs. Veronica.

      Sincerely,

      D

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      Staff

      Reviewed July 13, 2024

      I love Advance America. The employees are the best. Chardey and Denise are the best. They make you feel welcome. As soon as you come through the door the greeting is the best. Makes me smile. Great employees. Thank you.

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      Online & App

      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!!!!

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      Verified purchase
      Customer Service

      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.

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      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

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      Customer ServiceProcess

      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.

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      Customer ServicePunctuality & Speed

      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.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed Sept. 27, 2024

      Go outta their way to make their customers happy??? Maybe the individual stores but absolutely positively not corporate they could give two craps less about you. All they care about is your money. I have had AA for over 8 years. They have been a lifesaver from time to time. I use the Miami Oklahoma store and the ladies there are excellent. Two times I've HAD to use the home office however and both times something has gone wrong. This time today detrimentally wrong. I called corporate office on the 16th of this month and I set my last payment for the full amount to be debited out of my account on the 24th. This was important for me to have done because I knew it was gonna be a tight month so I would need to be opening another loan. So with me calling and setting it up to be debited rather than ach I would be able to reloan instantly with no wait.

      Somehow even the simplest of tasks corporate always manages to screw up. Even with there being notes on my account with detailed instructions some less than qualified person managed to mess it up. Whoever it was did over 200 on debit but did 100 of it ach. This was NOT because of a scheduled payment. My monthly payments are almost 200 never being only 100. Along with the ach was cancelled on the 16th when corporate noted my account for the pay off to be debited on the 24th. This is all due to somebody in corporate office being a slacker and completely no questions about it screwing up!!! Went to reloan today and couldn't because of this person's mess up!!! Now I can't pay my rent that is due, I have no groceries and my dogs need food.

      Called corporate to see if they could fix what they screwed up, override it, something ANYTHING!! Not only did they tell me there's nothing they can do to help me. They also offered no apology or anything. They did try to pass the blame onto my home store. Whom has absolutely nothing to do with it. This is ALL corporates dealing and doing PERIOD!! So now I am in tears left with only prayers and hopes that I don't get kicked out of my home and can figure something out for the next few days for food for my dogs and I. Until the ach for 100 dollars clears. AN ACH THAT SHOULD HAVE NEVER HAPPENED IN THE FIRST PLACE!!!

      As I said in the beginning Advance America is great in your home store. DON'T EVER deal with corporate office though if you don't have to. Because they don't care about you!! NOT EVEN A LITTLE!! Heck they can't even do their job correctly no less care about you or your happiness and satisfaction!! BIG MIDDLE FINGER WAVE TO YOU CORPORATE OFFICE OF AA!! THANKS FOR PUTTING ME IN A VERY BAD SPOT!!!

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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