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Advance America Cash Advance
Overall Satisfaction Rating
1.34/5
  • 5 stars
    18
  • 4 stars
    4
  • 3 stars
    8
  • 2 stars
    11
  • 1 stars
    287
Based on 328 ratings
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    Advance America Cash Advance

    ConsumerAffairs Unaccredited Brand

    Advance America is here for you with financial solutions designed to fit your needs and get you back on track. They put their customers first and treat them with dignity and respect. Advance America's approval process is fast because they know how important it is to get the money you need quickly. They have clear rates and fees, so you understand how and what you’re paying, and they will 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.

    Since 1997, Advance America has helped millions of hardworking Americans with a variety of personalized financial solutions with their top-notch customer service. They are nationally recognized, fully-licensed, with over 1,900 locations nationwide and online lending services. As a founding member of the Community Financial Services Association, they believe their customers deserve clear, understandable loan terms, and therefore encourage fair and fully disclosed lending practices.

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      Advance America Cash Advance Reviews

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      Page 2 Reviews 11 - 20
      Rated with 1 star
      Verified Reviewer
      Original review: Aug. 5, 2019

      Applied for a payday loan a week ago. Got turned down by all of them..Today received an email from "Adam **" who said I was approved for 50000.00. Called the number in the email and it was disconnected! Sent an email back and said it was not in service and they text me back at my phone number and said to give them a call. I called them and some guy who had a heavy Indian accent answered. Talked with him for about a half hour and towards the end he asks me for my online username and password. HUGE RED FLAG HERE!! I know for a fact that my bank don't even ask me for these verification details. I told him I don't use that feature and don't even have it set up right now. He said, "We I can't give you the loan if you don't give us that information". I text him back and said y'all are a scam and to forget it!

      Advance America Cash Advance response

      Thank you for reaching out with this information. These communications are not from Advance America. Please visit https://www.advanceamerica.net/securityinformation for more about scams and how to protect yourself. You can also call our Customer Care Center at 844-562-6480 to provide more information about the communication you had received. Also, Advance America does not do business in Maryland. Thank you again.

      8 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Aug. 2, 2019

      If you received a call or email from these low life! Do not I repeat do not give them your info. I've already reported this company and all the rep with Indian accent trying to scam people. They are investigating them. I pray they get caught and prison for all their doings. If they ask you for your online banking user and pass they are fake. Trying to scam. Don't do it. They will say you'll approve for any type of loan and will tell you they are going to deposit money in your acct and also tell you to send the money back thru any type of gift cards. Let's be real here. These are sign of fraud scammers. Don't give them your date of birth, social security or even the last four. If you are reading this. Please be aware! Even if you are desperate don't give in. There are others legit loan company out there. Do your research.

      Advance America Cash Advance response

      We apologize that you have had this experience; however Advance America is not responsible for the conduct described in the review. It appears that what you experienced is part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar effort to defraud both stat and federal regulators as well as the FBI and local law enforcement agencies.

      10 people found this review helpful
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      Rated with 1 star
      Verified Reviewer
      Original review: Aug. 1, 2019

      When I went to pay my loan back I used the online bank option. After I paid I got an email saying $0 was paid and I still had a balance. I paid again. 2 days later they took both payments. Run around from customer service when I tried to get a refund. I emailed them. No response. I called. They said they would call me back. No call back. They hung up on me one time after having me on hold for 10 minutes. Another time they told me to go to the store and pick up my money. When I got to the store I was told I couldn't pick up my money. Still waiting on My money.

      8 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: July 29, 2019

      I received an email from a Sr. Loan Officer "John," who had a very heavy accent, but because we are in desperate need of money due to a costly move, and still trying to land on our feet, I was willing to hear this person out. I knew something was wrong when I began researching the company and realized I had already applied with Advance America and they declined me and then all of the sudden Advance America Cash Advance approved me for 5k? Well the damage is already done. I have already given them my information to the an account, but I think what is saving me is that the account cannot be overdrawn, but they are not aware of that at this time.

      I will be calling my bank first thing and closing said account, but I have kept all emails and correspondence "John" sent me. So I will be expecting to be cursed out but oh well, you tried to mess with me and mine, I am definitely going to make your life miserable too. My bank has a hold policy on checks that come into the account where it is put on hold. I will have pay a small price return check but I will save my account. PLEASE BE AWARE OF THESE PEOPLE AND THEIR SCAM!!!!

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      16 people found this review helpful
      Rated with 1 star
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      Verified Reviewer
      Original review: July 19, 2019

      Got scam for 600.00 in bank overdraft. This is loan supervisor Brian ** with Cash Advance America. Well the funds which was deposited in to your bank account which was federal funds to help you for the insurance. This is what he was saying it's all a lie. After they deposit the check and you get the gift card..it's really you will be charged overdraft for the fake money they post. I fall victim to this. Please beware.

      22 people found this review helpful
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      Rated with 1 star
      profile pic of the author
      Verified Reviewer
      Original review: June 18, 2019

      I'm ashamed to say I fell for this scam hook, line & sinker. I now know it wasn't really Advance America (whom I had dealt with in the past with no problem). The newest scam~email saying I was approved for $5000 loan, payments of $160 for 36 months. Awesome! In my budget! Yeah, right. So as instructed I sent a text to a Florida number to Mr. Joshua ** (supposed loan officer) who then calls me.

      As stated by many others here, he had most of my information available because I had applied for a loan online. Because I have a very low credit score, the company would send deposits (as loans) to my account that I would send back via Walmart Gift Cards to raise my credit score. When I said no, doesn't sound right he connected me with Mr. Michael ** (his supervisor). So, I was convinced that it was legit, that I was overcautious and to relax; everything would be ok. He even connected me to a "transunion" worker who assured me he was working with my bank to get my score high enough to receive the $5000 with low payments.

      What they actually did was reverse charges on some of the bills I'd paid from my account. Again, I called and said I was worried...again convinced it was ok, when it was finished everything would be put back to normal. 3 times this happened, first time $1280, second time $1200, third time $700. God, how dumb could I get??? You'd think at 63 I'd know better than to ignore my misgivings, but desperation & widow's brain does crazy things to common sense. So, last payment was Friday the 14th, with the promise that the loan & fees would be back in my account that night.

      Yesterday I tried all day to contact either Jacob or Michael, no success. Today I get a call from a totally different number~Mr. Michael asking if I'd received my loan. I proceeded to tell him exactly what I thought of him and his 'company', that I felt played. He again tried to reassure me that I was overreacting. I told him I would not do any other transaction, period.

      So he tried another tactic~my bank credit card. It's maxed out. All I had to do was enter a given routing number & bank account of the 'company' to pay it off, them send them more gift cards using the credit card. SERIOUSLY??? Fool me 3 times...NEVER AGAIN!! He said, "so you don't want the company's help?" I told him the company had helped me enough, I'll try to fix it myself. So not only did I send them over $3000, I have to figure out how the heck to pay back the reversed charges of that same amount. Please, don't ever ignore your uneasy feelings. I thought I would never fall for a scam like this...as I said earlier, desperation throws common sense to the wind. Always be wary & on guard..a lot of people are just heartless these days.

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      36 people found this review helpful
      Rated with 3 stars
      profile pic of the author
      Verified Reviewer
      Original review: June 15, 2019

      I've been dealing with Advance America for years. I give them 5 stars for friendly staff I've dealt with in the past when it comes to payday loans. I give them 5 stars with the ease at which you can obtain a payday loan. I give them 1 star for the outrageous interest charged when you have to pay it back. Let's face it: If your credit is jacked or lacking, no regular bank will lend to you. They simply won't. It's a waste of time trying with no collateral.

      If you're in a money pinch, what will you do? Most people you ask won't lend you anything. They don't want the legitimate risk of not getting paid back, or they simply don't have it to lend out even if they COULD. So this type of program exists for the many who can't get the loan anywhere else. It might not seem fair in terms of alleged predatory lending practices- but again, when you're desperate with no money and few options to get it in a pinch--what will you do? It all depends on how desperately you need the money. You'll get it from Advance America but the INTEREST WILL COST YOU.

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      8 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: June 4, 2019

      SCAM! SCAM! SCAM! During a desperate time of need, these people take full advantage of desperate people. I was asked to get a Steam gaming card, and they would load it with the loan money. Didn't sound right to me, but I needed help. Asked me to get a $50 steam card and I said "why not a $20 card?" They agreed to that, I purchased one and called them back. They asked me to text them a picture of the card code and send it to them "in good faith". Then I was told they would call me back with a confirmation number in five minutes, that was 18 hours ago. Logged into steam and my card has already been redeemed. It's 100% my fault for falling for this, but I was desperate. These people are BOTTOM FEEDERS and should be put out of business. DON'T DO IT, THEY ARE NOTHING BUT SCUM OF THE EARTH!!!!

      Advance America Cash Advance response

      We apologize that you have had this experience;however, Advance America is not responsible for the conduct described in this review.It appear that what you experienced is part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America.Advance America has previously communicated similar efforts to defraud to both state and federal regulators as well as the FBI and local law enforcement agencies.

      17 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: May 28, 2019

      I received a text from ** saying I was approved for a loan in the amount of $7000. I called them and it was a guy name Ryan but he sounded as if he was from India or something. He stated that I was approved for $2000 and it would be in my account within a hour. They asked me to verify my info. last 4 #'s bank number, ssi and my birthday. They sent out an email from advanceamerica499@gmail.com. They asked me if I had any other bank accounts and I told them "NO". He said the loan would be in my account once I agree to the terms and conditions via email. Everything seemed so suspect. I stopped and told them "never mind", it didn't seem legit to me. I told them if they touch my account I will be pressing charges. It's Not real. It's fake. Check your accounts and ssi number to make sure your info isn't being used elsewhere.

      15 people found this review helpful
      Rated with 5 stars
      Verified Reviewer
      Original review: May 22, 2019

      Upon entering the store was greeted with a smile welcomed. Asking for the details on how things go about getting loan. It was explained very well giving the details of how things will work. I will recommend them to anyone that is looking for a loan.

      Advance America Cash Advance response

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

      5 people found this review helpful
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      Advance America Cash Advance Company Information

      Company Name:
      Advance America
      Year Founded:
      1997
      Formerly Named:
      Advance America Cash Advance
      Phone:
      844-562-6480
      Website:
      www.advanceamerica.net
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