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Advance Financial

Advance Financial
Overall Satisfaction Rating 2.38/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 73 ratings

Need a payday & title loan lender?

    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: Oct. 18, 2019

        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 have appreciated the financial help I receive through Advance Financial and how easy they make it to set up automatic payments and get cash advances. As wonderful as all the online options are it's still important to remember how crucial customer service is and Chelsea in the Fayetteville, TN office is the perfect example of what customer service should be.

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        3 people found this review helpful
        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.

        6 people found this review helpful

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          Are you this business?
          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.

          37 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.

          10 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.

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

          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!!

          Keep in mind this is a DEBIT CARD transaction and the funds left my account immediately after the payment was made the morning of 12/2/19. I received a receipt for the payment from a supervisor but funny they found a receipt yet refuse to apply the payment to my account. Meanwhile I'm getting multiple calls about how I'm past due and they want to settle my account. These people are THIEVES!

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          15 people found this review helpful
          Rated with 1 star
          Verified Reviewer
          Original review: Nov. 22, 2019

          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!!!!

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

          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.

          They also have the ability to ask you for your documents information for birth certificates etc... You’re literally giving these people the keys to the kingdom and you have no guarantee that you’re going to get a loan. You’re giving them all of your information. You don’t know who is going to Hoosies it or what they will do with it. If you went and got a bank loan for a house 4050 $60,000 they don’t ask you for this kind of information. Someone at consumer affairs the credit bureau‘s need to look into this company. I suspect they are running some type of scam may be a huge one and they are they will heavily impacted consumer... Be smart and stay away from this company. There were so many other options out there!

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          17 people found this review helpful
          Rated with 1 star
          profile pic of the author
          Verified Reviewer
          Original review: Oct. 16, 2019

          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!

          38 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.

          29 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.

            by 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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