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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.
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!!!!
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 firstname.lastname@example.org. 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.
CASH ADVANCE AMERICA SCAM!!! Jerry ** contacted me via text that I had been pre-approved for a loan. 10K, all seemed legit UNTIL I asked for the company website link, after numerous text, he would always reply with CALL ME. He became VERY agitated and irate when I confronted him on this being SHADY when he refused to provide the link. He told me to GET LOST when I questioned his honesty! ALMOST THE SAME EXACT M.O. AS LARRY HAD...
Today I received an email from someone named George **, claiming to be a manager in the legal department of Advance America. The email stated that the email was the last and final notification as they are going to proceed with the legal charges against me and that I would be soon served with the court papers. Threatening me that within 24 hours, they would proceed further with the charges and that they have the entire right to inform my employer about the situation, garnish my wages and freeze all my bank accounts. This email is illegal and they are not allowed to threaten me with court unless they fully intend to take legal action. I know the laws and I will be contacting my Attorney General's Office regarding this email as well as the CFPB.
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I’m SOOOOOOOO FREAKING HAPPY AND RELIEVED that I didn’t FALL for what I had initially felt in my GUT... which was NOT TO TRUST THESE SCAMMERS!!! I’m also thankful for these reviews that have been posted!!! I still had the nerve to consider calling the fake scammers back to consider taking the loan even after reading these reviews! It’s so very dangerous mentally having financial issues. People beware! And always remember to check reviews!
A man named Larry ** from Advance America says I can call him at 760-459-2479 for an accent as an Indian calls me at my phone number 707-925-7093. This person tells me to qualify for a $5,000 personal loan and that you send all the information. Send me a PDF doc to read everything and sign it electronically. Anyone would say it is true. Then he asks me for information. He asks me for a copy of my ID, name, SS, and date of birth. Then he tells me that I'm going to pay $87.50 monthly for 60 months and the interest will be $ 250.00 so he asks me some questions and wants to know my bank account number to make a small deposit of $ 200.00 to verify that my account is not a fraud or we I will cancel my account after receiving the money and run away with the money of the company and that I must return that money back.
Now to be able to make the transaction, you must give your ATH mobile user name and password to synchronize it with EFT Electronic Fund Transfer and the $5,000.00 to your bank account jjja so I was waiting to realize that it was a fraud and that They were trying to scam me and cheat me so I told him I would not give it to him. That is personal and no bank is going to request that information then he told me if I did not give it. Then he began to talk to me to convince me to give it to him and he told me that he could be imprisoned if he cheated me but that it was the bank's policy that they had to have it to make the transfer.
Then I told him that no bank is going to ask for that information that he felt but he insisted and I told him that he could send it to me by Western Union tomorrow that if he could call me the other day and I told him that I was not interested anymore and that I was going to send you a letter saying that they could not use my information that they would not call me and that if they used some of my information it was illegal and that they would delete my information from their files that would notify my bank and the agencies relevant.
Beware of scammers. Can not give them any personal information, much less the bank and should refer to the relevant agencies. If you are in great need, only Christ is the one who can supply all that you need. God bless you. Better work with your credit. Raise the score and go to a real bank with the prayer in Jesus Christ that he will help you.
I put in for a loan using my husband info and Advance America contacted him and said he was approved. We gave all the information they asked for and they said because his credit score was so low they would make a deposit in our account and we would need to send it back before 9 am the next day. My husband was on the road so it was up to me to do the transaction. They told him they would call him at 7:30 am to see if we got the deposit of 1500.00 which they needed me to return before 9 am. He gave them my number so they started calling me to see if it was there, I checked and saw that it was. I noticed it had mobile deposit on my bank statement which at first I couldn't figure out why that bothered me. I had immediately after he gave them our online back information changed the password twice to ensure they couldn't get back in.
They did told me I had to send it back. I said how the bank isn't open yet. He said, "Just do it Walmart to Walmart and use my bank card to get the money," I asked who do I send it to. By this time I had already looked them up and was reading the reviews. He said let him know when I get there then asked how long will it take. I said 15 min so he said he will call me back then and I need to be in the store. I waited a minute after he hung up and called back to ask his something and got the message the magic jack person is unavailable. I wasn't going to send anything by this time. I'm realizing it's a scam so in 15 min he called back. Ask where I was. I said the system is down. He said let me call you back in 2 min.
He called me back and said all Walmart to Walmart systems is down and he don't know for how long, I was at home in my pajamas still and just made up that lie to see what he would say. He did said buy the cards to but the money on. I told him, "I'm not buying any cards that would cost me money." He say they would reimburse me. Then he say they cheaper if I go to Rite Aid or some other place he name. I said, "No I'm going to wait til the bank open and I will get it then." He insisted that would be too late then. They won't be able to deposit the loan that day. I said that's ok. I will wait. He hung up and started calling my husband again. He called me and I told him this is a scam. I'm not sending them nothing while we was talking they called me and I told him I'm not sending anything until this check clear. Once it clears I will send them their money then I blocked them.
Sure enough the ck deposited on Wednesday. By Monday the bank had rejected it and they had the nerve to call us. I informed them the check was a fraud. He apologize and said he didn't do it. I said, "If you didn't put any money in my account why are you asking me to send it back." He then said what he can do is for me to send him 267.00 for insurance to cover the check and he would deposit the loan. I told him, "I would be a fool to send you anything." He say, "Do you want the loan." I said, "If you just going to deposit it then I will repay per terms." Other than that no and hung up. DONT SEND THESE PEOPLE ANY MONEY. THEY ARE A FRAUD.
My check was deposited and cleared my credit union a week ago but still has not cleared your system??? So can't reup until it does. Don't make sense. Now doors are locked middle of the day. Not good system or management. Employees go by your rules so not their fault.
I applied a few months ago. All I have to say is I learned my lesson. This Indian man continuously kept calling me, I gave him all info he wanted, I went as far as going and purchasing a Google card in which my money was taken. As we speak I just received another email from them saying I am approved again for 5000. These people need to be caught.
Advance America Cash Advance Company Information
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- Advance America Cash Advance