Advance Financial
Overall Satisfaction Rating
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 66 ratings

Need a payday & title loan lender?

    Advance Financial

    ConsumerAffairs Unaccredited Brand

    Currently serving customers in Alabama, Idaho, Kansas, Missouri, Utah, and Tennessee.

    Since 1996, Advance Financial has offered payday lending including FLEX loans, wire transfers, prepaid cards, bill payment and unlimited free money orders. Advance Financial’s 80+ storefront locations are open 24/7 for fast and convenient service. They have experienced steady success starting with only three stores in 1998, and growing to over 80 stores and 700 employees in 2016. Advance Financial is committed to helping customers achieve their financial goals.

    Apply now and get a loan for up to $4,000 as soon as today!

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      Advance Financial Reviews

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      Page 1 Reviews 1 - 10
      Rated with 5 stars
      Verified Reviewer
      Original review: Aug. 10, 2019

      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.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer
      Original review: April 18, 2019

      Me and my husband both have a flex loan from Advance Financial. I don't know why people are giving it a bad review. They are very friendly. Ask any questions you may have. It's not a credit check and they do not report to the credit bureau. It's a base on your income loan. Meaning it's based on what you make on your paychecks. The reason the payments go up it is because of a high interest rate but they tell you that in the beginning and to try and put more money onto the payment to lower it. It's even in the papers they give you. They don't try to hide anything. And you get a "line of credit" meaning once you make payments on your loan they give you a line of credit that you can take out but your payments will go up. You don't have to borrow the full amount just get what you need. So people may not fully understand how this works. But if you're in need of money quick this is the place to get it. Sometimes people need help.

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

      Everyone was very nice and polite. It was less stress doing it this way than going to a bank and going thru all the crap and still not getting a loan. We loved our experience at the Covington office. All the employees are very nice and professional.

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

      If you can take a loan from elsewhere please do. If I could do it over again I would NOT submit an application. The interest alone makes it difficult to repay the loan and what they apply to the principal is a joke. For instance if your payments are 400 they're only putting 50 of that towards your principal. For the amounts they have taken from me I would have paid off the loan months before but that’s not the case. So whatever you do don’t do business with this company or you’ll be forever in debt with them.

      Be the first one to find this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Sept. 25, 2019

      Beware what info you give these people. They will use a debit card of ach to just take money whenever they want even after you revoke their authority. It wasn't my account. It was my ex wife's who used her debit card from my bank account. When she got the loan I revoked their authority to use it and they did it anyway. BEWARE BEWARE BEWARE. They are thiefs. I warned you husbands beware. Take your ex off your bank account right away but this company knew better and they knew they was stealing but you picked the wrong guy to screw. I won't stop until you're out of business.

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

      This place has an interest rate of 279% meaning you pay back more than double what you borrow if you make minimum payments. I paid $100-$200 more than the minimum payment and still ended up paying back almost double what I borrowed. These people make it almost IMPOSSIBLE to pay them back. I'm wondering how it's even legal, may God have mercy on the souls of anyone affiliated with these crooks!!

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

      I like most of you all, needed a loan due to hard times. I was offered the flex loan in the amount of $4,000.00. I did not max it out. Monthly payment of $660.03 with only $77.33 going to interest!! I am now at a point where I am working a new job with less money (my previous job was removed), considering bankruptcy or closing my bank account completely? I am just not sure what to do next. I am so mad at myself for not fully understanding what the interest amount try meant. As of now, my principal balance is $2,500.30 with a payoff amount of $3,234.42?? In 2019 alone, I have paid interest in the amount of $3,134.39. This is just so sad to do to people who needed the money in the first place. I really want to learn from this & help others understand. I sure hope they are willing to assist me. I have emailed them directly & will keep this updated with their response.

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

      Received both an email and a text that my available credit limit had increased. When I tried to apply it through the online app, I couldn't. Called an agent who said check back in two hours and that their instant pay feature had issues. Then called back again as I had made plans with money, they said it was a premature error and I would not be able to borrow the additional $300 that was promised in the email. They didn't even send a notice out to disenfranchised customers about the reported "error". Once I'm finished paying this loan off, I will stop doing business with them. This company does not have integrity. Occurrence 8-2-19.

      9 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: July 30, 2019

      I was approved for $2500 very easily, maybe too easily. I took the entire loan amount and was told that it was a “very high interest” loan but never thought it would be as high as it was. I made $907 in payments the first month and only had $184 go to principal. I talked to an agent at a local store to see if there was anything that could be done to help with the rate but was told no. If you know what’s good for you, don’t ever use Advance Financial even if it’s your last option.

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

      This place gave me the run around this past Friday just because my phone number changed, and my account had to be "updated". They will ask you for one thing, and you send it to them thinking this is all they need, and then they will tell you that, "Oh we need you to send in this also so it can be reviewed first." Then they tell you to send in something else later so it can be reviewed. Mind you, I am a customer who had taken out a few loans with them in the past and never was late paying one time, and even paid all of my loans off early. This is the way they still treated me, so I will NEVER do business with them again. I actually never heard anything back from them after sending them all of the information they supposedly needed to update my account. All of this just over my phone number changing. I would advise anyone to stay FAR AWAY from them.

      Also, like everyone else has said, unless you plan to pay the loan off within a week, you are really going to be spending a ton of money, and your loan will never be paid off just making the minimum payments every day due date. In the end you will end up paying triple, or quadruple at least of whatever the loan amount originally was even though you are making payments.

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      17 people found this review helpful
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      Advance Financial expert review by Lauren Fix

      Headquartered in Nashville, Tennessee, Advance Financial offers check cashing service, bill payment, wire transfers and high interest, short-term FLEX loans. Since 1996, Advance Financial has served the people of the Middle Tennessee area, and the company has expanded its business to offer services to clients in Idaho, Kansas, Utah and Missouri.

      • FLEX loans: Advantage Financial does not offer payday loans. Instead, the company provides FLEX loans, which are open-ended lines of credit up to $4,000. Clients can repay these loans in small payments.

      • Online loans: Though Advance Financial has multiple brick-and-mortar locations, the company offers its FLEX loan services online in Idaho, Kansas, Missouri, Tennessee and Utah.

      • Free bill-pay and money orders: Advance Financial offers free bill-pay at all locations. It also offers free money orders with no limit to the number customers can get.

      • NetSpend prepaid cards: Advance Financial’s NetSpend MasterCard and Visa prepaid cards can be used anywhere Mastercard and Visa are accepted.

      • Check cashing: Advance Financial will cash any type of check as long as the customer has a valid photo ID. Rates vary based on the type of check the customer is cashing.

      • Best for: customers who need short-term loans, check cashing services or money orders.

      Profile picture of Lauren Fix
      Lauren Fix Auto & Finance Contributing Editor

      Lauren Fix, also called The Car Coach, is an automotive and auto finance expert. Her understanding of vehicles has made her the “go to” person on TV, radio, print media and the Internet. She has authored multiple books and writes a column for several outlets, including Parade Magazine, NewsMax and Car Coach Reports. She is a regular guest on major news and morning shows, discussing the latest updates on cars and car financing that will help drivers make smart decisions when buying, maintaining and financing cars.

      Advance Financial Company Information

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