Advance Financial
Overall Satisfaction Rating
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 62 ratings

Need a payday & title loan lender?

    Advance Financial

    ConsumerAffairs Unaccredited Brand

    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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      62 Advance Financial Consumer Reviews

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      Page 1 Reviews 1 - 10
      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.

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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.

      21 people found this review helpful
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      Rated with 5 stars
      Verified Reviewer
      Original review: Jan. 21, 2019

      Everyone was very nice and polite. It was less stress doing it this way than going to a bank and going thru all the crap and still not getting a loan. We loved our experience at the Covington office. All the employees are very nice and professional.

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

      Received both an email and a text that my available credit limit had increased. When I tried to apply it through the online app, I couldn't. Called an agent who said check back in two hours and that their instant pay feature had issues. Then called back again as I had made plans with money, they said it was a premature error and I would not be able to borrow the additional $300 that was promised in the email. They didn't even send a notice out to disenfranchised customers about the reported "error". Once I'm finished paying this loan off, I will stop doing business with them. This company does not have integrity. Occurrence 8-2-19.

      2 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: July 30, 2019

      I was approved for $2500 very easily, maybe too easily. I took the entire loan amount and was told that it was a “very high interest” loan but never thought it would be as high as it was. I made $907 in payments the first month and only had $184 go to principal. I talked to an agent at a local store to see if there was anything that could be done to help with the rate but was told no. If you know what’s good for you, don’t ever use Advance Financial even if it’s your last option.

      6 people found this review helpful
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      Rated with 1 star
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      Verified Reviewer
      Original review: July 1, 2019

      This place gave me the run around this past Friday just because my phone number changed, and my account had to be "updated". They will ask you for one thing, and you send it to them thinking this is all they need, and then they will tell you that, "Oh we need you to send in this also so it can be reviewed first." Then they tell you to send in something else later so it can be reviewed. Mind you, I am a customer who had taken out a few loans with them in the past and never was late paying one time, and even paid all of my loans off early. This is the way they still treated me, so I will NEVER do business with them again. I actually never heard anything back from them after sending them all of the information they supposedly needed to update my account. All of this just over my phone number changing. I would advise anyone to stay FAR AWAY from them.

      Also, like everyone else has said, unless you plan to pay the loan off within a week, you are really going to be spending a ton of money, and your loan will never be paid off just making the minimum payments every day due date. In the end you will end up paying triple, or quadruple at least of whatever the loan amount originally was even though you are making payments.

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      11 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: May 1, 2019

      They are TERRIBLE! I PAID OVER $5000 ON A $500 LOAN! Plus when I went to pay it off they tried to tell me I had a past due amount $300 when my "pay off" was only $107!!! If you are desperate for money I highly recommend looking elsewhere!! You will never get this paid off!

      35 people found this review helpful
      Rated with 1 star
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      Verified Reviewer
      Original review: April 7, 2019

      This company sends a letter to you stating that you are pre-approved for a specific loan amount in the thousands BEFORE you are approved!! Don't do what I did. They ran a credit check, of course negatively impacting my credit score and then denied me the loan that I was "pre-approved" for! What happened to companies getting in trouble for false advertising?? This company is bad enough with such astronomically high interest rates, they don't need to capitalize on that with false advertising. Do not send mailings out or allow them to be sent out in any way from your company that state that someone is pre-approved for something, when clearly they find out they were never pre-approved. DON'T GO THERE. FAIR WARNING.

      44 people found this review helpful
      Rated with 1 star
      profile pic of the author
      Verified Reviewer
      Original review: April 5, 2019

      I borrowed some cash from this place to pay bills in between jobs. They said my payments would be around a certain amount. They hit my account not once, not twice, but 3 times in one day for over $987. All my bills bounced because of it. My debt seems to keep climbing the more I pay. I can't get this thing paid. They said payments will be due every other week. That's a lie too. I get hit weekly.

      38 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Jan. 14, 2019

      I got a loan to help pay for a family vacation, work slowed down temporarily and I was unable to finish paying for the trip and didn't want to let my family down. I was told payments were $25. My 1st payment was. After that, without even adding to the amount I originally borrowed, the payments jumped to $173, twice a month. How is that even possible. I've been making biweekly payments for 4 months but the loan continues to increase rather than decrease. I owe hundreds more now, than I did before making any payments. I don't see how this loan will ever be able to be paid off, unless in full, in one payment. Also, today they posted a hold for a payment that isn't due for another week. This has caused other bills to not clear. There seems to be no rhyme or reason to the way they do things.

      58 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.

      Profile picture of Lauren Fix
      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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