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Advance Financial

Advance Financial
Overall Satisfaction Rating 2.28/5
  • 5 stars
    23
  • 4 stars
    3
  • 3 stars
    0
  • 2 stars
    1
  • 1 stars
    53
Based on 80 ratings
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    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.

        Read full review
        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.

        8 people found this review helpful

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          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.

          43 people found this review helpful
          Rated with 2 stars
          Verified Reviewer
          Original review: March 18, 2020

          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.

          So I started using it that way. I didn't use it every month, but I did use it maybe every other month, but made sure I paid it off by the next payday. I recently went to borrow $50 because I didn't want to go to the bank and was shocked to see they had lowered my credit line to $2,000. I realized then I am not the customer they want. They only want people who can't repay them immediately because they won't be able to charge their ripoff rates. Very disappointed. Can't win either way.

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          3 people found this review helpful
          Rated with 1 star
          Verified Reviewer
          Original review: March 7, 2020

          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.

          They took three additional payments after that for a total of 6 payments for over $1500.00. When I spoke with them and my bank at the same time it turned into a he said she said ordeal with me not getting any help. On top of this AF24/7 stated they saw no payments made on these days, even with screenshots and account statements sent in. They stated that this is a common "problem" and that it's the bank's fault. Then 3 days after the 6th payment came out they had the nerve to call me and say my account was 6 days past due? Sadly like many others I did not get any assistance with this matter and was left bankrupt and unable to pay my bills. Word of advice to anyone thinking of using this service. DON'T. Find anything better.

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          3 people found this review helpful
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          Rated with 1 star
          Verified Reviewer
          Original review: Feb. 19, 2020

          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: **.

          8 people found this review helpful
          Rated with 1 star
          Verified Reviewer
          Original review: Feb. 7, 2020

          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

          9 people found this review helpful
          Rated with 1 star
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          Verified Reviewer
          Original review: Jan. 31, 2020

          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.

          4 people found this review helpful
          Rated with 1 star
          Verified Reviewer
          Original review: Jan. 31, 2020

          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.

          3 people found this review helpful
          Rated with 1 star
          Verified Reviewer
          Original review: Jan. 30, 2020

          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.

          I got summons to go to court over this matter. I offered to pay them $100.00 a month; which is what I can afford. they refuse to take that amount; I tried to do a slow pay on the account and offer $100.00 and law firm representing them out of Nashville Cheadle Law Firm was too busy to show up to the court date; but they refused the $100.00 I could afford to pay them and wanted $250 a month. Yes, $250 is better than the original $600 a month I was paying. The point is these people don't care what your circumstance is. If you are needing a loan GO ELSEWHERE.

          Read full review
          7 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
            Address:
            100 Oceanside Drive
            City:
            Nashville
            State/Province:
            TN
            Postal Code:
            37204
            Phone:
            (615) 341-5900
            Website:
            www.af247.com

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