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.

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.

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.

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: **.

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

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.

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.

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.