Advance Financial Reviews

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.

I made a $1,067 payment on 12/2/19 at approximately 7:30 am to pay off my loan. This payment was made with a DEBIT CARD. They have yet to post it. I was told by 4 different representatives that they received the payment and that it would be posted between 2pm and 5pm that same day. Of course that never happened. The last supervisor that I spoke to after that window named Brandon told me that it would post at midnight or overnight. Of course that didn't happen either. Here we are on 12/3/19 at 10:50am and they still have not posted my payment. They said that they spoke to their IT department who basically said that they will get to it when they get to it. No timeframe!!

You guys are loan sharks. Prey on the weak. I borrowed $3,780.00. I have to pay back I found out $800 a month for 30 months. THAT'S RIGHT. SO I basically have to pay back $24,000.00 back. I'm getting a lawyer. DO NOT USE THESE PEOPLE!!!!

I know some people need help. We all need a little cash at Different times in our life and sometimes we get desperate. Today I received a letter in the mail from this company offering me a 4000 dollar credit limit. I thought hey I could use the money. I’ve been trying to build my credit and I should look into it so I went to the website. The application started like any other loan type application, but then things got strange! But as for my Social Security, date of birth, mother's maiden name etc. etc. like normal and then on the next page it asked me for my bank details, my routing number and my credit card details -- special details but they would need basically to be you.

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 had a friend tell me about af247 and now she also regrets it! I was approved for $700. I was doing pretty good and credit limit was upped. These loan sharks started charging every 2 weeks a small fortune! Then Everytime I would make a payment they would set up autopay without my permission. Also I made payments in September and in middle of October they tried to take another payment after I paid over $500 on my account then tried to tell me it was from a declined payment a month and a half ago! Throwing my bank account in the negative causing overdraft fees! I flat out told them as soon as I can I am cancelling my account that I have had nothing but trouble from them. They don't care! Stay away from these crooks like I should have!

If you can take a loan from elsewhere please do. If I could do it over again I would NOT submit an application. The interest alone makes it difficult to repay the loan and what they apply to the principal is a joke. For instance if your payments are 400 they're only putting 50 of that towards your principal. For the amounts they have taken from me I would have paid off the loan months before but that’s not the case. So whatever you do don’t do business with this company or you’ll be forever in debt with them.

Beware what info you give these people. They will use a debit card of ach to just take money whenever they want even after you revoke their authority. It wasn't my account. It was my ex wife's who used her debit card from my bank account. When she got the loan I revoked their authority to use it and they did it anyway. BEWARE BEWARE BEWARE. They are thiefs. I warned you husbands beware. Take your ex off your bank account right away but this company knew better and they knew they was stealing but you picked the wrong guy to screw. I won't stop until you're out of business.

This place has an interest rate of 279% meaning you pay back more than double what you borrow if you make minimum payments. I paid $100-$200 more than the minimum payment and still ended up paying back almost double what I borrowed. These people make it almost IMPOSSIBLE to pay them back. I'm wondering how it's even legal, may God have mercy on the souls of anyone affiliated with these crooks!!

I like most of you all, needed a loan due to hard times. I was offered the flex loan in the amount of $4,000.00. I did not max it out. Monthly payment of $660.03 with only $77.33 going to interest!! I am now at a point where I am working a new job with less money (my previous job was removed), considering bankruptcy or closing my bank account completely? I am just not sure what to do next. I am so mad at myself for not fully understanding what the interest amount try meant. As of now, my principal balance is $2,500.30 with a payoff amount of $3,234.42?? In 2019 alone, I have paid interest in the amount of $3,134.39. This is just so sad to do to people who needed the money in the first place. I really want to learn from this & help others understand. I sure hope they are willing to assist me. I have emailed them directly & will keep this updated with their response.

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.

Please don't fall prey to their various loan products. Especially title loans and Flex loans. They are loan sharks, financial predators who prey on people who are already struggling financially. 267% APR compounded daily! I don't understand how this type of predatory lending is legal. Contact your legislators and congressmen and demand that short term lenders be forced to charge reasonable interest and fees.

My wife got a loan from these sharks and they used my bank account info when she is not on my account. Then they zapped my account!!! When I went in to talk to them they would not give me info even though I had my wife give them permission. FINALLY after an act of congress they gave me the documents I asked for. They actually accessed my account and looked at everything I was doing on my own personal checking account just as I do!!! And my wife is NOT on my checking account!!! Don't do business here!!!

After reading other reviews, it seems that another customer had the same issue as I have experienced today. I had set up a payment arrangement for the 15th, however, when I checked my bank account today the transaction is showing pending, which will now cause my mortgage and water bill to bounce. These people do not care to honor what they have set up in the system. Now, I will be facing losing my home because of these people. There are other companies that are much better to deal with than them. I have like many others paid more money out and the balance going nowhere. They are heartless and I can tell now they don't care about messing up people's lives. NEVER DO BUSINESS WITH THEM EVER!

Everything was going so well with this company till recently. I called on 12/24 asking for an extension on my payment till 1/11. No one on the call mentioned there is a chance it could be taken out anyway prior to that time. On 12/31 the merchant withdrew the funds anyway and caused my mortgage check to bounce. I spent well over 2 hours speaking with different people within this organization and no one could help me. I have now had to work with my bank who I have been with for 15 years and my mortgage company because this company did not provide me with enough information. I plan to spend every penny I can paying them off and in the meantime explaining to the consumer what bad practices they have. If I had been told on that call on 12/24 this could happen I would have made other arrangements. Thanks for ruining my holidays.

I borrowed $800 for house payment between jobs. That was 6 months ago. I pay $100 every 2 weeks and nothing goes towards the principal. I still owe $800+ yet I have given AdFin $1200. I don't make enough to get ahead of this loan. I used them because my credit and job history did not qualify me for a personal loan. I need $1000 to close the loan. That's half of my monthly income. Help.

Ok, first things first, I went to Advance Financial and got a flex loan approved for $2,400. I asked the gentleman behind the counter what my payments will be each month because I'm disabled and have a very limited income. The gentleman told me that my payments will be $290 a month, so I told him that's not a problem, so I went ahead with the loan. My first payment was the quoted $290, so no problem. I then get an email that my next payment is $604, I about had a heart attack!! I promptly called and the first two people hung up on me, and I was very polite!

I would give them a no star if could. This company is a true definition of a loan shark. My husband got a line of credit for $1000. We used maybe $800 was going in paying then they started pulling out our account. We kept calling to tell them we already paid. They told us there was no note that needed to be put on for them to not auto draft from account.

This place is extremely dangerous. This business let someone open a loan in my name and now repayment is falling on me and I didn't take out this loan. I don't really have a way to pay back this overpriced loan. This place is very dangerous.

Please do not attempt to do business with this company; as you never get them paid off (unless you come into an extra 2000 or so, and who does that). The interest rate is sky high and the payments keep ballooning! I'm drowning in debt and misery due to this place!

Please don’t waste your time! They ask for so many important documents to be emailed but don’t give you a approval or denial! They just seek more information from you not knowing where these documents will end up!! So much runarounds wasted 4 days trying to get a application status but kept getting told to send more documents! Bank statements proved my income was way higher than applied for but they gave me the runaround to send in images of checks and statements and so many other documents but yet they couldn’t tell me if I was approved! Too many “hold for a minute while it’s being reviewed.” This place acts like if they are lending 20K+ plus loans to ask for too many documents!! With a interest rate of 240% they should feel pleased to approve customers who are in desperate need of a loan!! Never again!! STAY AWAY FROM THIS PLACE!!!

In a nutshell, approved for $2200 line of credit last March and have borrowed about 1600. They've been taking 260.00 every 2 weeks from our account since July, prior to that about 75 to 100 every 2 weeks. In all, we have paid over 2,200 on a 1600 loan. The kicker - our balance (they say) is 1900. What comes to my mind are the thousands of hard working people this company has ruined financially - at least for a period of time. The majority, if not all, of these people probably wouldn't have borrowed from this crooked, thieving company unless it was important. You know, like keeping a roof over their kids' head and food in their stomachs. Or repairing their car so they could get to work. Whatever the reason, everyone is already strapped financially and in the whole when they borrow - the company knows that. If a person borrows 1,600, I doubt they have 3x or 4x that amount to pay back.

I received a letter from them stating I was pre-approved for a flex 4000 loan. I applied on-line and was conditionally approved if I uploaded a blank check. I did. After that I was told I was declined. I called the company for an explanation and was told that I needed several other documents to be approved. I got those documents and e-mailed them. The following day I called for the status of my approval and they wanted actual award letters for any supplemental income. I asked if I would be approved if I did this and the guy on the phone said yes. I took off a half day of work to get this done. When I called a few hours later, I was declined! Don't waste your time with this crappy company! There are plenty of other companies out there that will not give you the runaround.

Ok, I got approved for a loan and I was making regular payments until my hours got cut at work. The card that I was using to make my payments with was not supposed to be on file at all. So I contact the company via email to let them know that my hours got cut but I'm willing to make a payment plan with them so they can still get paid. I got no response from them so, they take it upon themselves to run my card that I was making payments with without my permission. This card should have NEVER BEEN on file at all because I didn't put in my documents at all and the stupid rep which is some ignorant woman named Sherita wanted to argue with me about this transaction. She tells me basically that I should be braiding hair. I said, “Now you just said that because my name is ** and today I should start babysitting.” If I could've reached through the phone I would've.

I had a great experience until I tried to change my banking information 3 months ago and they have been giving me the runaround ever since. I have spent hours on the phone with them just for them to be unhelpful and uncaring!!! Last month they tried to take my payment out of a bank account that I had told them 2 months prior was closed and they say it’s my fault even though I used the correct debit card to make my payment. Now they want me to pay an extra $300 in interest. The statement online doesn’t even match for what they say is due versus what the total pay off is. Worst company ever!!! STAY AWAY FROM THEM!!!

Absolutely the worst financial decision I’ve ever made! I fell short one month, and was easily approved for a $4000 flex loan. Seemed harmless enough, I borrowed a small amount at first, but found that the minimum payments were biweekly and quite high, so I had to borrow more to cover my bills due to the large payment here. It snowballed. With a 279% APR, it’s incredibly difficult to pay back. My biweekly MINIMUM payments skyrocketed to $454 bucks every two weeks! I was finally able to pay off a large chunk of $2800 off the principal, and felt like I would finally get out from underneath this crippling debt...only to find out that my payment 2 weeks from tomorrow is STILL gonna be $408.34 (and that’s with only about $850 left on my principal balance). My payoff right now is still $1600- NEVER AGAIN will I do business with this CROOKED organization.

I had gotten a loan with them previously and asked about paying off my current one and getting another. She told me the best way to do it would be to not pay it off, but send in payment verification from my other job. I was told I’d get the increase that way. Now I’m being told they don’t approve more credit upon request. I’ve sent questions via email about it, but received the same generic response both times. I’m seeing now they probably wanted me to keep mine up to more than likely accrue a bigger balance.

I wanted to write this review in hopes to help someone to understand the fine print before they think a loan from AF is a good thing for them. I started with a loan of only $500. Got into a bind in life like everyone else. But felt the payment would be manageable to get back on my feet. First thing you have to understand is the more you borrow the more your monthly payment will be no matter what the beginning payment was. It WILL increase. If you make your payments on time they will increase your credit line (I went from $500 to $1400). And when the payment went from $126 to $424 overnight and making that payment only putting $100 towards the loan. It's not worth it. Do not borrow any more if you want your payment to stay the same. Also in their fine print they have it that once you link your account and a payment is missed they will pull it from your account.

I live in the Los Angeles area -- had no problems applying for a line of credit. I called customer service to clarify a few points that were not clear. They charge $0.77 per hundred dollars per day. For a $300 loan, I will pay interest of $2.31/day or $16.17/week. They have a very liberal 60 day period before the first payment is due. Warning!! At $2.31/ day for 61 days (30 day month #1 & a 31 day month #2) the amount owed will be $300 + $140.91 interest or $440.91. Your payment will only be $76. See how easy it is to get in over your head. All this is explained, either on the site or in the loan docs. It is not fair to claim that you did not know the conditions of the loan. Every loan available today for people with poor credit are exactly the same conditions. This is why they are called "High Interest" loans.

So I went into AF to get a loan. The lady that was doing my loan was very pleasant but I was very unsatisfied with the outcome. I have over 1600$ a month in income and was only approved for a 100$ loan due to me having issues logging in on my bank account site. I was told once I log in and give the CSR the information my loan would be a larger amount. Every time I call to talk to someone about they pretty much say it's nothing that they can do. It's not fair to me at all. It's not my fault. I gave the information. She said she would wait but didn't wait. Now I only have this 100$ loan. After I pay it back I won't go back there. It's unfair and I'm very upset about it.

Like you & many others, I went through Advance Financial for temporary help. It was a small loan that was overall harmless. My finances changed & I missed a payment. If you ever miss a payment, it's game over. You might as well close your bank account. In the loan agreement it states they can debit your account repeatedly to recover missed payments. "You authorize us to re-initiate any debit entry additional times for the same amount if the debit entry is dishonored." I missed just one payment. So, they started debiting my account repeatedly.

I don’t usually write reviews this negative but this place by far is the worst at customer service. I was asked to send in documents. I sent them all in. I was told I’ll receive a call back shortly regarding the loan. Nope. No call nor email. I been calling and emailing all night just to finally hear my loan was denied. Said they needed bank statements and I already sent them bank statements. The gentleman said, "Oh well you were denied." I honestly think this place is a ripoff. It just sucks that I sent in so many important documents. I will be calling my bank to get a new account. Pls if you need a loan ask every member in your family go anywhere but this horrible place!!!

I was approved online for 2000 and have used the credit often. I live in Va so read all the term prior to borrowing money. I currently bring home 750 a week and if a bill is due before I get paid I will use money from my AF247 account which is instantly transferred to my bank via my debit card. When I get paid at work I use the same credit card to pay them back and never have paid any interest for using the money responsibly. If you borrow money and only pay back the monthly minimum you will pay high interest for the money.

I borrowed 3700$ in small quantities over two months. I have paid over 2k in interest. I paid 2900 yesterday. How do I owe 1500$? It is ridiculous. They need to be investigated. They are taking advantage of people that simply need a little advance every now and then. How is people suppose to pay this off when they keep jacking the price sky high. It's a shame!!!

I went to Advance Financial to get a loan for 400. Well conditions are not explained to consumer and percentage rates and fees are astronomical. The interest rate is 265 percent and .7 percent fees added daily! That's right daily. 3 months later paying to month I now owe 800 dollars. Never missed a payment. I called on Thursday to find out my pay off. When I get there Friday it was 30 dollars more the next day.

Went to Advance Financial in Clarksville to cash a 28.00 class action lawsuit settlement check, presented ID and check (left it as it was received in the mail) my physical address was on check, on front of envelope (pull tab check) and on my D.L and they all matched to the letter! Employee asked me what kind of check it was. I stated it was a Class Action Lawsuit “SETTLEMENT” check... remember she asked me! She called over her co-worker to get her advice on how to “categorize“ the check and then she scanned it and sent it to the “historical Wedgewood” for verification. Process complete (I’m at this point standing at the window). She opens her drawer and tells me it was a $5.00 fee for cashing this $28.00 check (charged 17.9%) and proceeds to hand me $23.00!

I am a person that doesn't usually write reviews. I in this case had to speak on the worst customer service I have ever experienced in my life. Most of the employees I spoke with were very rude and distasteful. I sent in 3 documents to verify my bank account and over a 3 day period was still being prompted for more. Every time I spoke with an employee it was a matter of if I just send one more document I will be done and processed. This is the worst company I have ever experienced and I did all the work online myself applying. If you want results in Jackson, TN... please go to Check Into Cash on Vann drive. It is pleasant, fast, and customer service values exist.

My friend I helped search and find a place to get a flex loan. Took her and she was approved on disability so I decided also to apply online and it straight up told me I was denied and I get more income than she does plus I get extra 320 a month in plasma money. I wouldn't of had any problem paying payments back as promised but they didn't even give me a chance. I have a Wells Fargo secured card. Been paying on for 3 years. Never late. Plus a cash advance for 2 years been paying off and rewriting at Advance America. Never late. But this place plain denied me. No chance at all. Very unhappy with them.

Advance 24/7 is nothing more than a predatory loan. A shark in the water, so to speak. Unless you want your account completely drained, of over 1,000.00 dollars, at a time. Stay clear! They will take 3-4 payments AT A TIME, on the same day! Even when you have not authorized automatic payments! The interest rates are over 250 percent. They do not care, at all, if you've lost your job and they clear your account, month by month. Leaving you with not a single dollar, to your name. Please, heed my warnings and stay far away from this company as you can! I've only left a single star, because no stars isn't an option!

Poor customer service. Lack of communication with customer. I feel like it's false advertisement. I sent all required documents and different representing saying different thing each time I call. Never again!!!

Called today to specifically pay off my principal balance of 2411.84 which continues to accrue a ridiculous amount of interest. Something that they do not disclose up front. The customer service representative assured me that this will only leave me with the interest and I would not accrue interest on interest. Cool! It is crazy to make a $652 monthly payment and only $72 is going toward the principal. Well after taking my payment, the customer service rep. came back to tell me that not all of the payment went toward the principal balance because I had a payment due today. It should not matter what was due today... My principal balance is the principal balance.

This company has made me physically nauseous and I'm left wondering what in the world am I going to do! I've had this loan for a very short time and have paid over $1,800 in what's called "Customary Fees". It's not the interest that hurts, it's the fees. This past month, since I've borrowed $2,500, I've paid almost $700. My payoff is $2,900! I don't know how this could be happening! I spoke to a representative who was nice enough, but left me wondering how I'm gonna get this paid! I'm at a loss! I don't know what I'm going to do?

My experience with Advance Financial has been greatly appreciated. Prompt customer service response and a welcome environment mean a lot to me. There is always a friendly face every time I visit and my business is with Advance Financial has always been accurate and quick. Thank you so much for being a company that I know I can depend on to meet any financial needs that I may have or may need in the future! I highly recommend your services to everyone I know!

Miss Shaniqua was very friendly. Loan was simple, fast and easy. It took maybe 15 minutes. Super glad that it comes out of my bank account. By coming out of my account, I don't have to worry about being late. And I also get all my money orders too. Everyone is very nice!

Overall, I have been happy with my experience at Advance Financial. I have found the staff to be very competent and professional. They are always very helpful and polite. I also like that there many locations around Davidson County which makes it very convenient to conduct my business while I am out and about.

Thought I was getting a loan, with easy payments, instead I got a loan that just keeps going up with fees, charges. Can't pay 800 dollars every two weeks, they won't change the payments. Advance Financial does nothing but put you back in debt. They overdrafted my bank account several times costing me more money. They constantly call and harass you from 6 different numbers. Pathetic crooked organization.

Everything was awesome. The man that helped me was very nice and patient with me. I would recommend a friend if they need some extra funds to get them through. It was nice that your company is open 24/7 and I did not have to wait for a certain time to stop in.

Got approved for 2730.00 with easy payback options. Definitely coming back here to do business again. My money was in my account the next day! Better than a payday loan because you don't have to pay anything back right away. You just pay for how long you keep the money.

Very nice. Was impressed Julie was bilingual and was able to multi-task the way she did. Just don't know why she needed to when so many employees were there. Wasn't able to get FULL amount I needed but hopefully in time they will see I can repay any loan I take out. THANKS Advance Financial!

I never thought I could get a loan because of my credit. But Advance Financial really came through for me when I really needed it!! I have recommended them to several friends and to my boyfriend who also got a loan from them!!! Thanks a million! I will be back in the future to get another loan!

The rep was very very friendly and helpful, she made our visit relaxing. Damon I think her name was went above and beyond to make sure our loan was correct. I would recommend this company to all my friends and family. I love how it's set up like a credit card.

I applied and was only approved for 100$ because the person only put in I had a savings account when I had both checking and savings. I was only approved for this amount due to error on y'all part. I very unhappy with this decision. I called and was told even with it being your fault I still get penalized and it's not right at all.

The two gentlemen that talked with at the Athens TN office were exceptional. They both worked fast to get all my information into the computer system and got me approved for a loan. I appreciate your respectful and very professional attitude while doing business with your office. I have never been so impressed with the process and time it takes to get approved for a loan as I was with Advance Financial.

Other than the rates being HIGH, they appear to be a great company. I know, I know, that they say the rates are high and should be used for the very short term, but... was able to do it all online which is easy. If you are looking for money fast and can pay off fast, this would be your company.

I like the customer service. I haven't personally talked to anyone, but they do call to see if everything went well. I haven't talked to anyone because I'm always at work, but they do leave pleasant voicemails. This is my first time doing a line of credit and I'm pleased.

I was blown away by the amazing customer service. The associates were super nice and very helpful. And it was so easy to get the money I needed. Super fast and super easy. And local. It's nice to have such an amazing 24/7 financial so close to home. Thank you Advance Financial.

I had my loan done at the Bristol, TN location on West State Street. The lady who took care of me was named Jenna. She was very professional and courteous. She made sure to explain each step of the loan process in detail. She made sure I was comfortable with the loan amount and payment amount before I signed for the loan. She did an excellent job.

Fast and Easy. My experience was good. It was easy and very helpful. All questions were answered and I was very satisfied. Thanks.

Hello, I'd like to bring to your attention, the great service I received from the young lady that really spoke volumes for me. Omg, she was very skilled, patient, and determined to get me that loan. It came at a point when I really needed a lending hand. I'm very satisfied with the results, I would really recommend that to anyone that's looking for temporary help. Once again thank you for the time and patience.

After all of the bad things I ended up having to go through Jason, a Customer Care Manager, resolved everything and was extremely nice! Thank you!

My experience with Advance Financial 24/7 was nothing short of excellent. I went to your Mount Juliet TN location and the girl working had me in and out in 30 mins! I was able to get a loan on my lunch break! Thanks Advance Financial!

Monique was very professional, courteous, friendly, informative, and 100% honest. She explained all costs and fees and explained all terms of the loan. She didn't hide anything from me, and we both found an acceptable loan amount and affordable payment. She was an excellent customer service loan representative for Advance Financial. The transaction took quite an extended time, more than I anticipated, due to technical issues, but she was very respectful in keeping me informed of my wait time during the process. Great first-time flex loan experience.

Flex Loan - Was a reasonable quick transaction. Would like to see an office move closer, but you can't get everything you need. Will recommend Advance Financial to my friends and family.

Satisfied. I am very pleased with services from Advance Financial.