Advance America Cash Advance

Advance America Cash Advance

 1.6/5 (241 ratings)
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

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.

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.

Advance America Cash Advance Reviews

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Page 2 Reviews 10 - 40
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!

5 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.

3 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.

5 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.

Be the first one to find this review helpful
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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Rated with 1 star
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Verified Reviewer
Original review: Jan. 18, 2020

I have sent multiple emails to this company and asked about a certain individual that has promised me with several documents to show the loan is for real and I was asked for my user name and online ID for them to link to my account and not one time have I been contacted back by this company to gain verification that this guy is real. I'm feeling like I've been scammed.

Advance America Cash Advance response

Advance America values its customers and would like to learn more about this situation. Please call our customer comment line at 1-888-310-4238. Thank you.

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 4, 2020

Advance America online customer is terrible! First time getting a loan and still waiting for funds to transfer to my account. Called customer service an hour ago and still on hold. I wouldn’t request a loan from them again. I do recommend Ace Cash Express. Wayyyy better service.

Advance America Cash Advance response

Hi N. thank you for your message and a visual of your phone. 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.

5 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 4, 2020

Applied for small loan, provided paperwork asked for. I have a good job with long term employment, bank account in good standing, plenty of ability to repay the loan. Submitted all online. Was declined instantly while they send emails saying were working on your loan, you will hear from us soon. But if you log into your account it's already been declined almost immediately. And you won't hear back from them soon or at all. And don't even think of emailing them why you was declined to see if maybe something is wrong or you entered something wrong.

They won't respond back, even though they say they will. And if you sign into your account they will tell you you are eligible to try for another loan immediately after you've been declined. This is a bad company that does not care about customers and doesn't deserve any new ones. I'm reporting them to the BBB, Ohio Attorney General's office, sheriff department, Banking regulators. You've been warned. They will play games with you, and don't give a crap about you.

Advance America Cash Advance response

Hi Tracy, 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. Thank you.

6 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Jan. 2, 2020

They told me that they had reimbursed my 555.00, but they have not according to my bank. IF this happens to you get a police report, I didn't. Now I regret that decision. Still waiting for the reimbursement from them.

Advance America Cash Advance response

Hi Sandra, thanks for reaching out to us. For privacy reasons we do not discuss account information online. Please call our customer comment line at 1-888-310-4238 or you can provide us with your phone number, and we can have a member of our customer service work with you. Thank you.

5 people found this review helpful
Rated with 5 stars
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Verified Reviewer
Original review: Dec. 20, 2019

I recently came in for a loan & I am loving the new procedures. So much easier to get your cash, not to mention safer. No more walking out the door with cash in hand. Paying back the loan is easier now too. I really do love the way things are handled now & hope they stick around!

4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 17, 2019

I'm a single mon with 3 kids. I was told a title loan would qualify me the best so I trusted and received a loan for $2800. The unknown happened and I was laid off 3 weeks later. I called And let them know right away and I stayed in touch with them while I was waiting to receive my unemployment. Literally the day I received my benefits I got my Vehicle repoed. I was told there was nothing I could do unless I paid the full amount of $5000 within 30 days or I lose it. Well they caused me so much heartache and pain and they wouldn’t allow me to give them half and then the other half 2 weeks later. I lost my car because they would rather sell it at a auction than work with the customer. I resent this company for leaving with no car!

16 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 14, 2019

I've been with Advance America quite a while with no issues up until now. I fell on hard times and ended up doing an extended payment plan for the $300 I owed, the plan is that they withdraw $75 from your account each pay period. When it came down to my very last payment they charged my account twice so $150 instead of $75. I called them and they refunded $75 all good. So the next day I get an email from them saying that they processed another payment. I look into my account and I was charged yet again.

Now I'm extremely frustrated and upset being that it's the holidays and having a one income as a single parent I can't afford that mistake. So now my account had been charged a total of 3 times with one refund I'm due another refund. I call them and provided the proof that they charged me again they said they will take care of it. NNever got a refund so at the end of my workday I call them. On hold for almost an hour. I finally get through and the young lady hangs up on me while she's researching the issue. By this time their phone lines are closed and I can't get through. So that's where I'm at now. I feel frustrated and a little violated that a company would charge me without my consent. I've reached out through email and no responses or reasoning as to why this is happening.

14 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Oct. 28, 2019

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 everything very thoroughly and answered all my Questions. I will definitely be using them from now on.

Advance America Cash Advance response

Your Business is important to us! Thank you for your review and Happy New Year!

4 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Sept. 17, 2019

I have always gone to the location in Huntsville Alabama on university drive. Melissa has been a staple there and love that she has treated me like family. If I run late she always waits. I adore this company and the ladies at the store. Please try them if you haven’t already.

Advance America Cash Advance response

Your business is very important to us! Thank you for your review!

3 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 14, 2019

I've used this company before, I changed banks and provided the required information. They continue to send automated email asking for information I've already provided. I log on to check the status of the loan and continue to get directed to the apply for a loan page..which I've already done. Never again will I use this company. Shady business! TM **.

Advance America Cash Advance response

Advance America values its customers and would like to learn more about this situation. Please call our customer comment line at 1-888-310-4238. Thank you.

6 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Sept. 6, 2019

The lady was extremely nice, the place was super clean. They play good music, I will pay off my loan and go back. Advance America in Vidor, Texas is the one to go to, they give away free food and water. Thank you Crystal ** for handling everything. You deserve a raise.

Kathilee

Advance America Cash Advance response

Thank you for your comment regarding our services! We appreciate your business!

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 6, 2019

After using their service for around a year without incident. Earlier this week my check was sent off after already being paid in full causing multiple overdraft fees from my bank, was contacted days again and told I was owed a refund for the full amount and would be receiving a phone call later in the day... The call never came and the funds have not been recovered... In short do not use, they will screw you over first chance they get.

Advance America Cash Advance response

Your comments are important to our business and relationship. We'd like to learn more about this situation. Please call our customer comment line at 1-888-310-4238 or email your account information and we will contact you directly.

3 people found this review helpful
Rated with 3 stars
Verified Reviewer
Original review: Aug. 24, 2019

I have been in this store I would say several times and the employees are wonderful and the store has always been so nice and clean. Until lately, the past 3 times I have been in there I have noticed a problem they are having with gnats in their store and not just a few of them, they are infested with these gnats. Every time seems to be worse than the time before. The last time I was in there I also noticed a smell, it was a mildew smell. Not sure what is going on but I know water, mildew and gnats go hand in hand. They need to call someone who specializes in water damage because it is going to just get worse. And mildew or mold is nothing to play with, people can become sick. Wish this store the best.

Advance America Cash Advance response

Thank you for your feedback, Mark. Management has been informed of this situation and are actively working to resolve the matter.

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 14, 2019

I applied for a payday at Advance America online, I was approved for the amount I asked for. What I didn’t know was that they place a hard inquiry on your credit report for a payday loan. I got an alert from Experian as soon as I got approved for the payday loan. Once I saw Advance America on my credit report I called Experian to dispute it because it said I applied for an Installment loan which I didn’t. Experian said I would have to call Advance America in order to see if it was an error.

I call Advance America and they tell me “oh yes we do a hard inquiry for our payday loans”. I told the lady, "You guys should let me know that beforehand, because had I known this I would not have applied for the payday loan." I suggest you stay away from Advance America unless you want to keep getting hard inquiries on your credit report disguised as installment loans. Although I have the inquiry on my credit report I didn’t even go through with getting the payday loan. It wasn’t even worth it to keep dealing with these people.

Advance America Cash Advance response

Advance America values its customer and would like to learn more about this situation. Please call our Customer Care center at 1-888-310-4238. Thank you.

9 people found this review helpful
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.

14 people found this review helpful
Rated with 3 stars
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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.

14 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
Rated with 5 stars
Verified Reviewer
Original review: May 9, 2019

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 professional and her follow up skills were above and beyond. Rhonda made me feel at home. Also Juan was a great help as well. He as well, made me feel comfortable during my experience at Advance America. Both individuals provided the type of service that needs to be practiced throughout the world. The service Rhonda and Juan provided was natural and appreciated. I thank them both for assisting me with my cash advance.

5 people found this review helpful
Rated with 5 stars
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Verified Reviewer
Original review: April 21, 2019

The branch closest to my home, has the most professional employees. Several times in the last couple months, online loans has caused me some trouble. & these ladies go above & beyond trying to get everything figured out for me. One day, one employee worked on my account for at least a couple hours. Not to mention this past week, there was an problem with my bank & again this employee knew how much this bank issue would hurt me with no foreseen warning. She called everyone & had the issue fixed almost the minute I showed up immediately after I left work. Even though it was almost time for her to close up, she never tried to rush me or hurry me out the door. I'm so glad I found this location!!

9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 7, 2019

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.

21 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Nov. 9, 2018

I applied for a loan, told them that I get paid around the 12th of each month specifically the second Wednesday of each month. After everything was finalized they said my loan would become due on the 9th. I pleaded with them to wait until after the 2nd Wednesday that they will get paid. That I didn't want to be in default with my bank. They play with me. I went into default. I have went with other payday loan companies and they complied. Please do not apply with this company.

24 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 4, 2018

About 12 pm May 3, 2018 my mother who is 73 and had no mobility in her leg was trying to make a payment. She was in the car but was unable to come go inside. She sent her daughter with the money and the check so that it could be rewritten but was unsuccessful. The lady told me that she had to come in. She has been a customer for a long time and never had a problem with her legs before now. I understood everything the lady or cashier was saying, she has gone to other check cashing facilities and they came to the car and let her sign the papers and let her rewrite her check.

Why couldn't this company do the same if she was in front of the building and was trying to make a payment and rewrite. They literally wanted her to walk on her cripple leg. Please help me understand. This is causing you to lose a customer and when one customer talk about a bad or good experience it either give you more customers or less customers. I understand the person is doing their job but let's be real.

25 people found this review helpful
Rated with 1 star
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Verified Reviewer Verified Buyer
Original review: April 9, 2018

I received a call from someone with a thick Indian Accent on 04/09/2018 asking me if I was still looking for a loan. I said yes, so he proceeded to tell me that I was approved for $5k. I said I did not want that much, I only wanted $600.00, to which he replied that the minimum was $1500 to be paid back at $70 a month for 24 months. I figured it out and it only came to about $156 in interest which I thought sounded great (too good to be true actually). He then verified all my information which most of which he already had including my address, and the last 4 #'s of my bank account. Which I did not think of as odd as I had been looking for a loan.

He then said that because of my low credit score that he would have his financial team deposited a "small" amount into my account to verify that everything was ok. They could not deposit the entire amount until it was "verified". I asked him how much they would deposit and he replied $800!! That was the instant red flag, so I told him, "Thanks but no thanks." I did not want that done and to forget the whole thing and hung up. He called back immediately and I did not answer the phone, however when he called back a 2nd time, I had my husband answer and they had some not so pleasant words to say to each other. Without going into the details, it ended up with my husband extremely angry at what he was told to do.

We called back and when they finally picked up, the guy immediately told my husband to go ** his mother, and my husband replied that we would report him to the BBB and Consumer Affairs... Which we are doing right now. Watch out for these guys and if tell you they want to deposit an exorbitant amount into your account before they can deposit the loan amount... Hang up QUICKLY. And don't answer when they call back or you'll get cussed out just like my husband did. Bad people at this place and karma will get them and bite them in the ass eventually... Hopefully.

46 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
Website:
www.advanceamerica.net