Advance Financial Reviews

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!!!

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.

I took out this loan to pay some bills. They took out the payment every month,No PROBLEM. Called them and spoke to them to pay them off. The person on the phone asked me to verify my information, gave them Name, Rank, and Serial Number. The same information that was used to open the account and keep it open. The same information that was used every month when they took out the payments.

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.

If you want a 700% interest loan. A big rip. Rip off and horrid customer service. Pay 4x the amount you borrowed. Dont do business with this scam place. Dont say I did not warn you. I hope you go out of business.

Stay away from this predatory lender. They should be put out of business. Imagine borrowing $1,500 because you're in a bind. Imagine an interest rate of 360% (how on earth is that legal? **). Imagine making monthly payments larger than your car payment but the balance never goes down. Imagine that after only a year and a half you end up paying almost 4 times the amount borrowed. Total amount paid to close my account... $4,498.05. If you need money, you are better off finding a loan shark. SHUT THIS SCAM OPERATION DOWN!

I wish I would have read the reviews before I took a loan out with these guys. They are absolutely terrible and cold hearted people. I ran into some financial difficulties, set up payment arrangements with them and made my payment on the day it was due like we agreed upon and 2 days later they withdrew an additional $675 that I did not even authorized.

My wife and I decided to do this because we had an issue that had to be taken care of immediately and we were short of the funds needed. We have made every payment on time. However, the last 3 months have been nothing but interest payments. The principal has not gone down one penny. And we haven't touched the line of credit in months. This is how they get you. The first few payments, there is a reduction in principle. Then, the payments get closer together but no principal is paid, It is all interest.

If you're looking for a loan to help pay off debt or just to have some extra cash PLEASE do not use Advance Financial! I'm 23 and work in retail and only make $1,700 a month. AF sent me an offer for a line of credit for $2,100 and I accepted it because I was in need of some extra money. I ended up using the whole amount and could only pay the minimum $143 once a month, and the amount grew bigger each day.

I have had two loans with this company. One I paid in full and I borrowed against it again and fell way behind. I tried to work with them, but the amount owed just keep getting higher. It went 1800 to over 4500. They turned me over to a law firm that gave me a settlement for 2200 and thirty days, in the midst of the covid-19 or I would get a warrant in debit and garnish my wages. I am nurse supporting five people and trying to make ends meet, and the law firm, they use don't care. Please stay safe and pay them they will come and get there money!!

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.

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.

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: **.

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

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.

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.

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.

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.

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.