Advance Financial

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.

Do not under any circumstances do business with this company, they are the worst dregs of humanity, preying on the desperate. Charging as much as 500% interest on their loans. The projected payout on a 3,000 dollar loan is over 12, 000 dollars by the time you pay it off. Their payment structure means that each payment you make 75-90% is interest only. This company practices legal loansharking and should be shut down.

Terrible. They are the worst. You never finish paying them off. Don't borrow nothing from them. I will never get another dime from them. I got a account with them in 2018 and they said that I still owe them now in 2021. They receives $490.00 a month from me. That's ridiculous and they don't care anything about the pandemic we going through.

I filed for bankruptcy last week and yesterday this company tried to put thru a payment and of course I was charged a $20 overdraft fee. In addition I informed them over 2 weeks ago I was closing my bank account via email and they chose to try and charge my account at least 3 times and I was charged $20 a pop. The bank will not let me close the account until this deficit is paid and do not think I am responsible for because Advance Financial did what they did. Would you want to do business with this company? I think not. Their customer service is horrible and obviously they feel they do not need to listen to their customers and just do whatever they want.

When you go to pay on your flex loan, you can say pay on principal but when you receive receipts, you may have paid $200 but $175 goes towards interest it shows and $19 goes towards loan. It is a problem, you will never get it paid off. It's a rip off. Praying that I'll be able to pay it off soon.

This company is the worse company I have ever borrowed money from. I was furloughed from my job. They were working with me making $50 payments every pay day. But then when I contacted them to start paying a little more toward my back payments doing a promise to pay on a current date they would proceed to take 241.06 on Aug 12 when I had agreed to pay on Aug 14th in the amount of $195.00. They put my account in the negative plus the bank charged me another $36.00 for insufficient funds.