Advance America Cash Advance

Advance America Cash Advance Reviews

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About Advance America Cash Advance

Advance America is a loan company that offers payday loans, installment loans, title loans and lines of credit. Advance America has online and in-store services in 27 states and delivers the funds you qualify for in as few as 24 hours.

Pros & Cons

Pros
  • Payday, installment and title loans
  • Apply online or in-store
  • 1,900 locations
Cons
  • Not available in every state

Featured Reviews

Verified
Houston, TX

I have to applaud Rhonda for her awesome customer service. I just relocated from Miami, Florida to Houston, Texas and needed some extra cash to get me by until payday. Rhonda was ...

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Verified
New Blaine, AR

This is the first time I have ever used Advance America Cash Advance in Roland Oklahoma and I was very pleased with their service and very friendly employees that explained everyt...

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What is Advance America?

Advance America offers online and in-store loans and has an easy application process. To apply for an online loan, visit the company’s website. You need your Social Security number, a valid email address, an active checking account and proof of income to complete an application.

Advance America employs certified loan specialists and a responsive customer service team to operate its online loan services, but you can also visit an Advance America location if you’re more comfortable with in-store loan services. To apply in person, bring a government-issued photo ID, proof of an open checking account, proof of income and verification of your Social Security number.

Many people use Advance America’s payday loans to cover short-term expenses and to receive cash for unforeseen emergencies, but the company’s website cautions that short-term loans are not a long-term solution.

Advance America rates and fees

Advance America doesn’t disclose a full range of interest rates and fees, but it does state that a typical fee for cash advances is around $15 per $100 borrowed. This is the set price for a short-term transaction.

Advance America FAQ

Can you pay Advance America online?

Yes, you can make loan payments to Advance America online. On the payment due date, your bank receives an electronic request for payment from your account, and the funds are electronically withdrawn.

What do I need to get a loan from Advance America?

To get a loan from an Advance America store, you need the following documents:

  • Government-issued photo ID
  • Proof of open and current checking account
  • Proof of income
  • Verification of Social Security number

To apply for a loan online, you need:

  • Social Security number
  • Valid email address
  • Active checking account
  • Valid source of income
Does Advance America do a credit check?

Yes, Advance America checks your credit score, but it doesn’t report activity to the major credit bureaus.

Does Advance America do payment plans?

Advance America has an extended payment plan for customers unable to pay back their loans by the given deadline. Log into your account or visit a store for more information on the extended payment plan.

Is Advance America legit?

Advance America is a loan company that primarily deals with short-term loans. The company has an easy application process and disburses funds quickly. If you need cash for an emergency, visit Advance America’s website to see if you qualify for its loan programs.

Advance America Cash Advance Reviews

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Page 1 Reviews 0 - 10
Price

Reviewed April 16, 2024

This loan company is a rip off!! I would never recommend this loan company to nobody! Very disappointed! They're too high on interest rates. Way too high. When you think you pay down on a long you still have a lot of remaining to have to owe. It's not worth the money and it ain't worth the time.

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Reviewed Feb. 13, 2024

I don't ever recommend getting a payday loan so avoid it if at all possible. But if you decide that you are going to get a payday loan in the state of Michigan...Then your first choice should be these guys and if you have the ability... I highly recommend to go through the easy process of setting up your account so that all deposits and withdraws are completed directly through your bank debit card (if you have one). The other ways to register are also very are easy but the debit card option is way too convenient and streamlined in my opinion.

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    Reviewed Jan. 30, 2024

    Had been dealing with Advance America for 10 years in Florida. Move to Alabama. Needed a loan. Went to Mississippi to get loan. Come to find out I will be paying back this till September even when taking payments every 2 weeks. This is straight wrong. Feel like I'm being taken advantage of.

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    Reviewed Jan. 24, 2024

    These guys are crooks. Do not take a loan or a line of credit from them. Will not work with you and they are fraudulent. I highly suggest to stay away. Stay far away. I will never ever work with these guys. Total crooks.

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    Customer Service

    Reviewed Oct. 31, 2023

    I have been doing business with Advance America for years. Every month I always take a payday loan out and pay it off when we get our social security. I have to take it back out so that we can pay our bill. Somehow I accidentally must have hit the three month term. I took it out on September 31 and supposedly was gonna pay 555 like I always do on Nov 3rd. Today on Oct 31 check to make sure the due day was not before the third and notice it was only gonna take a little over 300 out. So I called them and try to fix it. Asked if they could look through their records where I had been a loyal customer and try to fix this one time.

    They told me there was nothing they could do and today on October 31 the payoff is 590 dollars so in a few more days it will be more than that. This is not right. If you can pay it off within the month they should let you fall back on their payday plan. Between my husband and I we have paid over 1300 dollars in fees in a years time and y'all can't fix this one time for us. It's not right. I made a mistake and it's not like I am not willing to pay. Never again will I do this with y'all. I will find another payday company.

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    Staff

    Reviewed Oct. 20, 2023

    Super nice, easy, friendly, kind lady! ** made my first visit at Advance America a wonderful one. Just moved to Lansing and ** was super kind! I highly recommend this location 3020 East Saginaw Hwy Lansing Mich Store #3092. I will definitely be back.

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    Customer Service

    Reviewed Sept. 2, 2023

    I made this loan by phone, and have given them the new #, I have 2 more payments of 564.51, and when I call 8775050701, I can't get through on by phone or online to make my last 2 payments. I have been paying my payments on time. I don't know what else to do.

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    Customer ServiceStaff

    Reviewed May 19, 2023

    My husband and I took out a small loan of $200. To repay it back, my husband agree for the company to take $20 out of his account every other week. So after the loan was paid back, Advance America continues to take $20 out of my husband’s account. As of right now, they have overcharge my husband by $80. When I called customer service, they wouldn’t talk to me even though I am on the account. My phone number is the number we put down because I am easier to get ahold of. Plus, their customer service skills in that call center are a joke. First of all, he wouldn’t even look up the account number or help me in anyway. He said my husband had to be here and I asked why and he couldn’t give me an answer. He kept repeating himself over and over again. This company is not trustworthy. I know our loan was small but if they continue to take out $20, just think how much more they could take out with an even bigger loan?

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    PriceStaff

    Reviewed Feb. 13, 2023

    Advance America is a great place to get extra help when you need it. I've used them many times over the past 6 years, they have gotten a bad rap here lately. If you have a hard time managing your finances then don't go to advance america with unrealistic ideas, advance america is a company just like any other company and they need to make money in order to stay in business, if you check around you won't find a better business for short terms loans like advance america has, they are upfront with there pricing (cheapest prices I've found). People have to be responsible for how they use their money. It's not advance America's job to do that, so if you know you can't pay the price Don't get a loan! I highly recommend advance america that are wonderful to work with, just use your common sense. They started this company to make money (not friends) so if you understand that going in you will have a great business minded relationship with them.

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    PricePunctuality & SpeedStaff

    Reviewed Jan. 3, 2023

    If you're not late all is fine. Except high interest on short term loans. Don't use anything other than direct deposit. The card is a scam for more hidden fees. Interest is 55.00 on 445.00 loan for 30 days. I got stuck. Paying out each month to the total of 655.00 a year. Only way out was to not pay and do payments on my own terms. They are real hostile. And threatening. Belittling bunch of wanna be tough guys juvenile delinquents. Treat great customers like trash. Try to bully you into payment agreements you can't make. I was vulnerable at the time and only intended a one time deal. 2 1/2 years later I could of done a lot with the 2000.00 or so dollars I wasted on interest. I even had to ask my landlord for a little patience on one week's rent to get out of the jam I was in. Now I can pay it off. And no more -55 month just to have shelter. I almost ended up on the street. My parents covered my week behind rent from their retirement fund. Just not a good experience.

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    Advance America Cash Advance Company Information

    Company Name:
    Advance America
    Year Founded:
    1997
    Formerly Named:
    Advance America Cash Advance
    Website:
    www.advanceamerica.net