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Advance Financial

Advance Financial
Overall Satisfaction Rating 2.26/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 81 ratings

This company is not yet accredited. See reviews below to learn more or submit your own review.

Advance Financial provides online FLEX Loans in states across the U.S. that allow customers to withdraw funds as they need them and pay the money back at a convenient pace. It also offers installment loans in certain states and additional services, including wire transfer and bill payment.


Advance Financial offers online loan services to residents in certain states. Customer service is available 24/7, but Advance Financial loans have high fees and can be an expensive form of credit.


  • No collateral necessary
  • 24/7 customer service
  • Flexible terms
  • Online application and approval


  • High fees
  • Not available in all states

Top Advance Financial Reviews We Found

Rated with 5 stars
Verified Reviewer

Me and my husband both have a flex loan from Advance Financial. They are very friendly. They don't try to hide anything. But if you're in need of money quick this is the place to get it. Sometimes people need help.

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Rated with 5 stars
Verified Reviewer

I came into the Ft Campbell Blvd store in Clarksville, TN to get a flex loan. Ebony was great and extremely patient given the situation. She had a great attitude and made the experience pleasant. Would definitely recommend going to Ebony when coming to this location.

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    Are you this business?

    What is Advance Financial?

    Advance Financial offers fast, online FLEX Loans to residents of 13 states. A FLEX Loan allows a borrower to withdraw anywhere from $25 to $4,000 at any time and pay it back, plus interest and fees, in conveniently scheduled payments that align with the borrower's pay dates. On their pay date, the customer must make at least a minimum payment.

    To apply for a FLEX Loan, you need a photo ID and proof of income. If you are approved for a FLEX Loan, Advance Financial deposits the funds into your bank account within a day.

    Advance Financial offers online FLEX Loans in Alabama, Delaware, Idaho, Kansas, Mississippi, Missouri, North Dakota, South Carolina, Tennessee, Utah, Virginia and Wisconsin. In-store services are available throughout Tennessee. Advance Financial offers installment loans in Mississippi, Texas and Wisconsin.

    Advance Financial interest rates and fees

    Advance Financial FLEX Loans' annual percentage rates depend on the state where the borrower lives, but they typically range from 240% to 360%.

    Advance Financial aligns FLEX Loan payment due dates on your pay dates. On the payment due date, you can pay any amount from the minimum payment to the total due. Keep in mind that the amount you pay on your due date has a direct effect on the total finance charges on your loan.

    Advance Financial does not charge prepayment penalties if you pay off your loan early. Visit the website to learn more about interest rates and fees in the state where you live.

    Advance Financial FAQ

    Does Advance Financial check credit?
    Advance Financial performs a credit check when you apply for a FLEX Loan or an installment loan. You also need a government-issued photo ID and proof of income.
    How does Advance Financial’s FLEX Loan work?
    Advance Financial’s FLEX Loan lets you withdraw anywhere from $25 to $4,000 at any time, depending on your credit limit. You make payments on scheduled due dates, usually aligned with your pay date, that include interest and fees. As you make payments, you are allowed to continue withdrawing money up to your credit limit.
    What happens if you don’t pay back Advance Financial?
    If you don't pay back Advance Financial, interest continues to accrue. At some point, Advance Financial may refer your account to a collection agency.
    How long does it take to get a loan from Advance Financial?
    Advance Financial usually deposits loan funds into your bank account within one day, according to its website.
    Is Advance Financial a payday loan?
    No, a loan from Advance Financial is different from a payday loan. Advance Financial offers FLEX Loans and installment loans, which generally provide longer loan terms.
    Where is Advance Financial available?
    Advance Financial offers loans in Alabama, Delaware, Idaho, Kansas, Mississippi, Missouri, North Dakota, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin.

    Is Advance Financial legit?

    Advance Financial is a legitimate way to get quick cash online without collateral. The company's convenient 24/7 lending services make it appealing to borrowers. However, Advance Financial's high fees and interest rates are worth noting before you sign a loan agreement.

    Advance Financial Reviews

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    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: April 15, 2020

    I have had two loans with this company. One I paid in full and I borrowed against it again and fell way behind. I tried to work with them, but the amount owed just keep getting higher. It went 1800 to over 4500. They turned me over to a law firm that gave me a settlement for 2200 and thirty days, in the midst of the covid-19 or I would get a warrant in debit and garnish my wages. I am nurse supporting five people and trying to make ends meet, and the law firm, they use don't care. Please stay safe and pay them they will come and get there money!!

    2 people found this review helpful
    Rated with 2 stars
    Verified Reviewer
    Original review: March 18, 2020

    I was originally approved for $4,000 and used the entire amount. When I started making the astronomical payments, I almost had a stroke and immediately borrowed from my 401k to pay off the entire amount as I could not afford to make the outrageous bi-weekly payments. I swore to never use it again, but as I thought about it, I figured I would keep it for emergencies or occasionally, I just need to borrow about 500 before payday but I knew I had to pay off the entire amount as soon as I was paid or be trapped in the mountain of added interest.

    So I started using it that way. I didn't use it every month, but I did use it maybe every other month, but made sure I paid it off by the next payday. I recently went to borrow $50 because I didn't want to go to the bank and was shocked to see they had lowered my credit line to $2,000. I realized then I am not the customer they want. They only want people who can't repay them immediately because they won't be able to charge their ripoff rates. Very disappointed. Can't win either way.

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    7 people found this review helpful

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      Rated with 1 star
      Verified Reviewer
      Original review: March 7, 2020

      Like many others I borrowed money from this company and had been making payments for several months. I was easily making payments every 2 weeks and my account balance was showing to be slowly being paid off. Yes I did this knowing how high the interest was and that it was gonna take a while. However I noticed that many of my payments were not coming out of my bank account. When I called AF24/7 several times regarding this they told me "your account is paid and up to date, no worries Mr **" that is until Feb 28th of 2020 when I was hit 3 times for payments all posted dated going back as far as Dec 1st.

      They took three additional payments after that for a total of 6 payments for over $1500.00. When I spoke with them and my bank at the same time it turned into a he said she said ordeal with me not getting any help. On top of this AF24/7 stated they saw no payments made on these days, even with screenshots and account statements sent in. They stated that this is a common "problem" and that it's the bank's fault. Then 3 days after the 6th payment came out they had the nerve to call me and say my account was 6 days past due? Sadly like many others I did not get any assistance with this matter and was left bankrupt and unable to pay my bills. Word of advice to anyone thinking of using this service. DON'T. Find anything better.

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      5 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 19, 2020

      Despite revoking the EFT authorization, Advance Financial still fraudulently debited my account. I know this has happened to other people. If you're interested in filing a joint complaint with the State Attorney and requesting an investigation, please email me at: **.

      15 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 7, 2020

      Please note this company will not I repeat honor you. Revoke automatic debit. Charge your debit card after you revoke them. Then will go in and take funds. This a federal crime after you revoke them. They waited 3 weeks after I revoke them, and then went in and took money. Lock your cards till you get them cancel. Please beware of them. Fight the debit with your back so they will not be allowed to use visa or MasterCard. They will have their payment service took. Please file with your bank. I am. They took money from me. We need to start a class action suit

      14 people found this review helpful
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      Rated with 1 star
      profile pic of the author
      Verified Reviewer
      Original review: Jan. 31, 2020

      I sent in a request twice via email to cancel my eft/ach and lo and behold the transaction came out of my account anyway despite the fact I sent the request more than a week in advance. They also will not refund anything.

      7 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Jan. 31, 2020

      I have an account always interest before time in January. My statement said due by 2/2/20 but on the 1/31 when I went to pay my statement changed to 1/31/20. If you experience this be aware and have investigated. Also save your statements because they will change them.

      4 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Jan. 30, 2020

      If I could go back; I never would have borrowed money from this company. I borrowed roughly $3000.00 making payments of $300.00 every 2 weeks. I was thinking wow I'll have this paid in no time. After my 4th payment I called to see when I would have the loan paid off. I was informed that I was set up for 24 months. astonished that borrowing 3000 could possibly turn into $14400.00. This place is commiting highway robbery. What person in their right mind would knowing agree to those terms? As I said in the beginning IF YOU HAVE OTHER OPTIONS take those. DO NOT DO BUSINESS WITH THEM.

      I got summons to go to court over this matter. I offered to pay them $100.00 a month; which is what I can afford. they refuse to take that amount; I tried to do a slow pay on the account and offer $100.00 and law firm representing them out of Nashville Cheadle Law Firm was too busy to show up to the court date; but they refused the $100.00 I could afford to pay them and wanted $250 a month. Yes, $250 is better than the original $600 a month I was paying. The point is these people don't care what your circumstance is. If you are needing a loan GO ELSEWHERE.

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      10 people found this review helpful
      Rated with 1 star
      profile pic of the author
      Verified Reviewer
      Original review: Dec. 31, 2019

      Do NOT allow auto drafting of payments. They took payments twice from a friend’s account ahead of the agreed date, wiping her out and overdrafting her account. She now cannot pay her rent for January and is having to seek help. Advance refuses to refund even one payment taken illegally.

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

      Do not borrow from this company. I had a loan of 3500.00 and have paid 2000.00 so far and payoff is 3683.00. This is just in two months time. It is sad they take from people that have no other option than to borrow from places like this and make it impossible to pay back. I will continue to post on every site possible to warn others this is the worst option when you are in a bind.

      43 people found this review helpful
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      Advance Financial Company Information

      Company Name:
      Advance Financial
      100 Oceanside Drive
      Postal Code:
      (615) 341-5900