Advance Financial

I normally do everything online since being approved for my loan about a year ago. Chelsea made the application process then very quick and easy, assisted me with the online part and has since been a tremendously valuable help in time of need like today. Anytime I've called to get help with a problem I was having online or just to ask a question about other services available through Advance Financial she has always displayed the epitome of excellent service. I keep meaning to write a review but kept forgetting so this time I decided to write it before I left the computer.

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.

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.

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.

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.

I made a $1,067 payment on 12/2/19 at approximately 7:30 am to pay off my loan. This payment was made with a DEBIT CARD. They have yet to post it. I was told by 4 different representatives that they received the payment and that it would be posted between 2pm and 5pm that same day. Of course that never happened. The last supervisor that I spoke to after that window named Brandon told me that it would post at midnight or overnight. Of course that didn't happen either. Here we are on 12/3/19 at 10:50am and they still have not posted my payment. They said that they spoke to their IT department who basically said that they will get to it when they get to it. No timeframe!!

You guys are loan sharks. Prey on the weak. I borrowed $3,780.00. I have to pay back I found out $800 a month for 30 months. THAT'S RIGHT. SO I basically have to pay back $24,000.00 back. I'm getting a lawyer. DO NOT USE THESE PEOPLE!!!!

I know some people need help. We all need a little cash at Different times in our life and sometimes we get desperate. Today I received a letter in the mail from this company offering me a 4000 dollar credit limit. I thought hey I could use the money. I’ve been trying to build my credit and I should look into it so I went to the website. The application started like any other loan type application, but then things got strange! But as for my Social Security, date of birth, mother's maiden name etc. etc. like normal and then on the next page it asked me for my bank details, my routing number and my credit card details -- special details but they would need basically to be you.

I had a friend tell me about af247 and now she also regrets it! I was approved for $700. I was doing pretty good and credit limit was upped. These loan sharks started charging every 2 weeks a small fortune! Then Everytime I would make a payment they would set up autopay without my permission. Also I made payments in September and in middle of October they tried to take another payment after I paid over $500 on my account then tried to tell me it was from a declined payment a month and a half ago! Throwing my bank account in the negative causing overdraft fees! I flat out told them as soon as I can I am cancelling my account that I have had nothing but trouble from them. They don't care! Stay away from these crooks like I should have!

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.