Advance America payday loans online review February 2018 |
Advance America Payday Loans

Advance America Loans

Advance America offers a variety of loans for in-store and online applicants

Advance America is a fully-accredited, nationally-recognized financial organization that provides an array of financial services and products from over 2,100 locations in the US. You can apply at a storefront and online for either a payday, installment or auto title loan.

States where Advance America does not offer loans:

  • Arizona
  • Arkansas
  • District of Columbia
  • Georgia
  • Hawaii
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Mississippi
  • Montana
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Oregon
  • Pennsylvania
  • South Dakota
  • Vermont
  • West Virginia

If you live in one of these states visit our short-term loans guide to see what loans are available in your state.

What kinds of loans does Advance America offer?

  • Payday Loans. Advance America offers payday loans online and in physical stores. The amount you can borrow depends on your state of residence and your current financial situation. Advance America offers a convenient chart that allows you to determine the finance charge, APR and total cost of the loan before you apply.
  • Installment Loans. Installment loans work much like payday loans, but instead of repaying the principle and interest in one lump sum, you can spread the payments out over months, and you can usually apply for larger amounts. Advance America doesn’t offer installment loans in every state.
  • Auto Title Loans. If you own a car, you can use its title to get a loan through Advance America. The amount you can borrow depends on your car’s appraised value. Because this is a secure loan, you can expect lower interest rates than with payday or installment loans. However, keep in mind that if you default, you risk losing your vehicle.

What do borrowers like about Advance America?

When comparing loan options, keep in mind the excellent features offered by Advance America.

  • Easy application process. Applying for a loan takes no more than a few minutes, whether you apply online or in-store.
  • Use the money for any purpose. There are no restrictions on how you can use your loan money.
  • Early repayment. You can pay the loan off ahead of schedule with no penalties, and in certain states, you might even qualify for a partial return of your loan fee.
  • Good customer reviews. Advance America boast high ratings with its customers.

What to watch out for

  • High costs. Short-term loans come with high fees for the small amount you borrow. With auto title loans, you risk losing your car’s title if you can’t repay on time.
  • Limited state availability. Advance America doesn’t offer loans in the following states: Arizona, Arkansas, District of Columbia, Georgia, Hawaii, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Montana, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Oregon, Pennsylvania, South Dakota, Vermont, West Virginia.

How do Advance America loans compare to other loans?

Rates last updated February 20th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
7–30 days
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
Varies by state
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
ACE Cash Express Payday Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

Compare up to 4 providers

What are the costs of borrowing through Advance America?

Depending on your current financial situation and your state of residence, the fees you pay along with your loan could vary widely. Advance America offers a convenient chart that allows you to browse these before you apply, and after approval, you are given a loan contract that breaks them down further. The typical fee for every $100 borrowed is around $15 for a loan lasting two weeks.

Before you accept a loan contract, be sure you can afford to repay your loan within the determined schedule. If you have late or missed payments, you run the risk of defaulting and owing even more money. This could damage your credit and, if you took out an auto title loan, result in you losing your vehicle.

Is Advance America a safe lender?

Advance America is a fully-accredited, nationally-recognized financial institution, and it is a founding member of the Community Financial Services Association (CFSA), a body that encourages fair lending practices with full disclosure. Advance America complies with all applicable state and federal laws and outlines its fees clearly in loan offer documents.

How do I apply for an Advance America payday loan?

Whether applying online or in-store, you will need to meet the following eligibility criteria:.

  • Be at least 18 years old (varies by state)
  • Be a citizen or permanent resident of the US
  • Have a valid government-issued ID
  • Have a steady source of income
  • Not involved in bankruptcy

You will need to provide the following information during the application:

  • Your complete name, Social Security number and date of birth
  • Your checking account and routing number
  • Your income and employment details

Are cash advance loans legal in your state?

Hover over your state of residence (or click on your state if you’re using a mobile device) to find out if cash advance loans are legal in your state.

Frequently asked questions

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6 Responses

  1. Default Gravatar
    SheriDecember 22, 2017

    Can u get a small loan with family assistance

    • Staff
      RenchDecember 23, 2017Staff

      Hi Sheri,

      Thanks for your inquiry. Please note that we are not affiliated with Advance America or any company we feature on our site and so we can only offer you general advice.

      If you are referring to Advance America payday loan, you may contact them directly by visiting their official site. You can also check this page for easy-approval loans.

      Please click the name of your preferred lender to find out the details and the minimum eligibility. You may then click the green “Go to Site” button to submit your loan application online.

      Best regards,

  2. Default Gravatar
    MonicaSeptember 15, 2017

    I would like to see if I qualify for an installment loan. I need to pay my rent so my daughter and I don’t get evicted.

    • Staff
      MariaSeptember 15, 2017Staff

      Hey Monica,

      Thank you for reaching out to us.

      You may find useful information on this page on Installment Loans.

      As finder is an online comparison service and is not a product issuer, it would be best to get in touch with a lender featured on our pages to discuss your eligibility or options.

      Before applying, please ensure that you meet the eligibility criteria and requirements and to read the details, as well as the relevant Product Disclosure Statements/ Terms and Conditions of the option before making a decision and consider whether the product is right for you.

      I hope this helps.


  3. Default Gravatar
    RasheedaJune 28, 2017

    In the state of Texas do you have to have proof of income?

    • Staff
      HaroldJune 28, 2017Staff

      Hi Rasheeda,

      Thank you for your inquiry.

      In the state of Texas the general requirements are:
      – You should be at least 18 years of age
      – You should be an American citizen or a permanent resident of the US
      – You should have a regular source of income

      You may want to consider checking your available options here.

      I hope this information has helped.


US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

Go to site