Advance Financial Reviews

I'm begging people, please do not take a loan out with this company, I took out a $300 loan, and they switch it over to a line of credit, I think I took out $1500 in the line of credit, in the last 2 year I paid over $6000, and they still say I owe $ 1900.

I was approved on the line of credit, however I'm not able to get any money out due to technical issues. I do not have a VPN, and my wireless proxy is off. So far after 10 calls, nobody knows what the issue is.

Wish had had never went with this company. They over drafted my account after I told them that the money wasn't in the bank and asked for payment options. Stated that the payment wouldn't go thru if the money in the bank. It would just be sent back to them which was a lie now. I have no money for grocery for this week and they refused do anything about it.

I had the same experience as everyone else here: This company is Garbage. Predatory. Immoral. They have terrible customer service (& I’m not talking about policy/procedural issues, I’m talking about conduct and demeanor issues. They won’t hesitate to fix their fat lips to a tone that would cause a hole to be put in their throat in real life). I’m posting to continue bringing awareness in hopes that they get shut down because if enough people keep reporting them, they absolutely will. I’ve dealt with companies like this before, and they always get sued and shut down, eventually.

I made the mistake of taking a Flex loan with Advance Financial in September, 2024. This was a deadly mistake. As time has passed, I've borrowed and paid. At this point, I have paid them $5,824.10. The last payment was taken automatically, though I didn't have it set up like that, and it was $660.50. I thought the one this month would be lower because I haven't gotten any money. NO!!! This month's payment $673.44!!!! I don't see how they can get by with this.

This company has some shady procedures,, from bogus addressees that align with the state they are authorized to grant loans, I wasn't aware of this until I looked at my statement. This company is not even supposed to be granting any type of loans in the state of Georgia. I have already looked up the information. I found a official complaint to the investigation Bureau of consumers about this company operating in the state of Georgia. On their website they got specific states that they work in and Georgia is not one of them. Not I do fail or I do blame myself for not fully investigating these people before I got my first one. The red flags did not go up until I got the second loan and they cheat me out of dollars and they claim that it was a processing fee which nobody ever told me because I didn't pay a processing fee for the first line.

They try to get money out of my checking when they know that there isn't enough in it. Which leads to NSF fees I gotta pay twice a month. Which is BULLSHIT!!!! Very unfair and they've been doing this for last 6 months. I'll never make this mistake again with Advance Financial.

They be lying so much.... Don't send me an email saying I'm approve for such and such and then login, it's telling me to apply for a loan. TF!?!? I was declined before when I applied few weeks ago and now this.

My husband got approved for a line of credit by them. They then decided to change the decision. Then they wanted a picture of his ID, and social security card and a blank check and proof of income. So it's a scam.

I can not afford to make the payments on this load I been making payments for 2 years now and I still double the amount I borrowed. This company needs to be put out of business. Will the CFPB pretty much out of business. I am getting ripped off

I got a loan. They will only give you a prorated first payment..1st payment was 134..2nd 566. Only 66 going to principal. 3rd payment was 1056. They don't tell you interest is accumulated daily. So each pay period you have 300 or more added to your monthly payment so you never ever pay them out. When I called for a 10 day payout they wouldn't give me an balance. Big Rip off.

I received a letter saying I pre-qualified for up to $4,000. The back said they were A+ rated by the Better Business Bureau, but if you do your research and go to the BBB, it says they are not accredited with the BBB. "Advance Financial

I can not pay off my loan because there is no place to go into to pay in Arizona. They don't answer the phone to pay or when you go to pay online it does not except a payoff. I would not recommend. I've been on hold for hours and no one answers. Interest skyrockets up everyday. Please tell me how to payoff my loan.

I was contacted by a representative today about a delinquent account I unfortunately defaulted on about 6 months ago. I disclosed personal hardships to explain my situation and explained how I'm physically disabled and awaiting corrective surgery. The aforementioned representative was rude, disrespectful and condescending!

This company is a scam, please I beg you Check the Better Business Bureau before giving any personal information. The girls they have answering phones replace your information with their debit cards so if funds are approved they go into their accounts

Has anybody else had issues with requesting cash? Even though it says it available.. Also if your team could have a direct phone number for technical support that would be great. It's been over a week and I've heard nothing.

Simple solution to a simple problem. Close your bank account and just get a new one and don't give them anything. It only takes a few moments of time. You get a new card with totally different numbers and a bank account that no one can steal from. Also depending where you live such as SC you have no need to pay back a dime and they can't do anything about it. You win they lose. You have to educate yourself and beat them at their own game.

How this place is legal I do not know. My relative took out a $3,500 loan because of an emergency. They made six payments in six weeks, totaling over $1,800. The amount they still owe on the account is now nearly $4,000! Not only did the money not go towards the principal, they now owe more money than they ever even borrowed, and it would only continue to go up. They have +200% interest rate per day!!! When told it cannot physically be paid, they agreed to postpone the payment for two weeks. What they didn't bother to tell us, was that they would continue to add their +200% interest per day fees to the amount owed. This place is beyond horrible. You will never get out from under them!

They charge you a hidden $150 statement fee, which is against the federal government truths in 19 act. They do no hardships and they do not based their interest rate of a prime. They charge over a 300% interest.

I understand if you have bad credit and need money fast that this is typically what we do. A place like this will say yes and you'll have your money. I'm telling you that this is not worth it. The interest rate is so high that you'll never get it paid back. The payments will get larger every month until they own you. It's like selling your soul to the devil. RUN, do not WALK, as fast from this company as you can.

Do not take a loan from this company. They will kill you in interest fees. I took out a 750 loan, but when l was charge almost 10 dollars a day, l gave them their money back and closed the account. If l would've kept the loan l would've been paying about 300 dollars in interest and my payment was on 68 dollars. If l would've kept the loan for 6 month l would pay about 1,800 in interest and the loan wouldn't even be paid off.

No GOOD! THEY WANT TOO MUCH INFORMATION AND THEN THEY DON'T CONSIDER, WHAT YOU TELL THEM ABOUT YOURSELF. I tried to explain that my job recently made us switch to direct deposit and they still haven't worked out all the kinks in the pay. EVEN SENT THEM MY BANK STATEMENTS.

I was mailed a pre-approval letter. When I gave my information they claimed I had an account already. I have never gotten anything from them!! I feel they are collecting people personal information to sell. If they lock up people for selling drugs. They should be able to catch them and lockup everyone that works for them. And return them that’s been ripped off money back. This mess should not be allowed!! This world is going to hell in a hand basket with no bottom!! Nothing legit anymore!!

I was told when I started a 3000 loan that I would pay 900 a month. Then they took 900 every two weeks. I paid them over 18000 dollars for 3000 loan. I also paid 2400 of that to lower the principal and they took the money for a cab fee. Predatory lending. Do not use them for anything. They still say I owe them but I stopped their ability to drain my account.

This website doesn’t really make very much sense. I’ve viewed all the reviews and they all pretty much aren’t the best. Also, what I do not like is that it declines me telling me that my credit score doesn’t meet the credit requirement. I search everywhere trying to see what the requirements are and never could really get straight answers so basically I wasted to get my credit read. My income is great but my credit is in a fair condition so I’m not sure what is, unqualified for credit with this company.

The biggest rip off joint I've ever seen and heard off! Whoever got this business going sure knew what they were doing...EVIL way of ripping people off that REALLY need help! Do yourself a favor and NEVET GET A LOAN FROM THIS JOINT!!!

Advance Financial 24/7 & its other lending companies are fraudulent thieves, identity and money theft. My lien was for 1 year and was, in fact, satisfied May 2023 with my last payment. A new loan was opened and has a different account number, I have proof, I was told as I cannot access my email account associated, I would have to come to Tennessee. I can prove definitively I have not been to Tennessee to reopen or open a loan! I will keep this proof for my attorneys' eyes tomorrow. Advance Financial 24/7 *Vs A Vs* you are being sued! I will be seeking damages as I fall under "ADA" protection. American With Disabilities ACT. Ellie **

DO not refinance your loan. It will say on the screen that you are receiving an amount back but you are not. Then when you call they will say it just takes a couple of days. Then when it still isn't there they will tell you that that's not what refinancing does and that you will not receive funds but it pushed your payment back.

Predatory lending at its finest and should be shut down. Interest is applied daily to your loan making it impossible to pay it off. I will pay this loan back and never use this service again. DO NOT TAKE A LOAN OUT WITH ADVANCE FINANCIAL 24/7!

I received a pre-qualified offer for a loan in the main about a week ago. I applied online, and my credit account was locked to protect against identity theft. I tried to explain to the agent that he needed to manually process my application so that I could qualify for the loan. He refused. I asked to speak to a supervisor, and he became argumentative. I would not recommend this company to anyone.

I have now called three times to be removed for from their calling list and this last time, I also asked them to not sell my information and they hung up on me. I made the mistake of clicking on a social post or article (I don’t remember) and clearly I’m paying the price.

Get a loan and nothing ever goes towards principal. They prey on the poor and make it hard to pay off loans. It took me 3 years to pay a 3000.00 dollar loan and will never get a loan from them again.

The experience was good, until they stopped lending in Virginia. I began noticing that my balance was not going down and realized that I was paying over $50-60 a month and only $1 of this was going towards the balance due, with the rest going to interest. No one warned me of this and I attempted to communicate with them and was ignored, until waited on the phone for 20 minutes to discuss it. I was told "there was nothing they can do". I emailed and was given a canned message. Basically, since last year - they have been doing this. Be careful if you borrow from them and then your state is no longer on their list for credit.

I talk with Nicholas, Virgins, Tasha who claim to work out of corporate office. A mesha they all are **, very unprofessional and rude, talk over you. And messed up my loan, made me fill out app 3 times…. Did not resolve the situation, was very big headed and out of pocket. When I talk with the ** woman she did everything she could to help. When she transferred me I got some power trip ** people females.. They have too much of my personal info to disrespect me the way I was disrespected.. No one will tell me how to file a complaint on the corporate office where I spoke with a Tasha, very disrespectful and mesha made me hold for 7 minutes because she didn’t wanna give me any info to move forward. I gave them a zero and I need to find out what those people that work from home did with my personal info asap

I would not recommend going to Advance Financial or any other company under Harpeth Financial Services (owner of Advance Financial). I originally took out a FLEX Loan through them back in November of 2021 right before Covid-19 hit me the hardest and caused me to fall behind on many bills. When I got sick with Covid and tested positive for it in December right before Christmas I called and talked to them then about working with me and they agreed to do so which I thought was great, but then it slowly went down hill from there again as I had even more problems with my vehicle due to a shady mechanic screwing me over and taking my money and it made it difficult to get to work.

I have had a loan with Advance Financial since March 2021. I have always made my payments on time. Yet, my balance increases and the payment never goes towards the principal. Over 1 year of payments and not one penny has gone towards the principal. I pay over $1000 per month for a $4000 loan and with each statement the balance increases. Even if it is a few dollars a statement, shouldn't a consumer see the balance decrease?

I think I purchased a money order from Advance Financial in May of 2022 from the first to the fifth for $579. I would have paid rent for it. I got a letter from my landlord stating rent wasn't paid for May. I went to advance financial to track the money order (I lost the receipt) and they refused. I always purchase money orders from them (June and April and numerous before) but they could not find May. They refused to cooperate. My lawyer wrote them a letter. I went back and they somewhat cooperated. They couldn't find one for May. I think they were irritated by the attorney's letter. I asked for a print out of this information and they refused. Read this and come to your own conclusion.

In a just a span of 3 months from the date that I borrowed, my interest is a total of $3360!! I PAID IT OFF in 3 months because it seems like nothing is being deducted to the principal amount after paying my first payment which is $600!! I borrowed $4000, I decided to pay it off within 3 months! I ended up paying a total of $7135!!!

Advance Financial it's not authentic. They have a list that qualifies you for a loan. They do not use that as the standard. They have someone who works in underwriting that decides whether or not you qualify and you have no reason why you're denied even when you provide all your banking information and some parts of the website says no credit check so please this is not a good loan company. Just a way to tank your credit score.

I took out this loan to pay some bills. They took out the payment every month,No PROBLEM. Called them and spoke to them to pay them off. The person on the phone asked me to verify my information, gave them Name, Rank, and Serial Number. The same information that was used to open the account and keep it open. The same information that was used every month when they took out the payments.