Advance Financial

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!!!