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Advance America Loans

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Need a short-term loan? This lender has multiple positive reviews and plenty of options.

Bottom line: Advance America is a nationally recognized financial organization that provides an array of services from over 1,900 locations in the US. But it’s had some negative press in the past, so you may want to consider your other options before you settle on one of Advance America’s short-term loans.


Max. Amount


Product NameAdvance America
Max. Amount$1,000
Loan TermVaries
RequirementsEarn $1,000+ a month, operational checking account with direct deposit ages 18+ and US citizen or resident


  • Available in 26 states
  • Payday loans, installment loans and auto title loans available
  • Prepaid Visa cards available


  • Conflicting customer reviews, including over 100 complaints
  • Not transparent about potential rates
  • Recent government action for violating interest rate limits in the state

Advance America rates, fees and terms

The amounts available, terms and rates all depend on the state you live in. The absolute minimum that can be borrowed is $50 for those living in Wisconsin, but most other states Advance America offers loans in have a minimum of $100.

The maximum APR and term also depends on your state, but APRs can reach over 700%. Many states allow for terms of just 14 days, or one typical pay cycle. As with most short-term loans, you should understand the full cost of the loan before you take it out.

What is Advance America and is it legit?

Advance America is a short-term lender that offers payday loans, installment loans, auto title loans and lines of credit to residents of 26 states. Like many lenders spread across a wide area, the exact amount you can borrow — along with the length of your loan term and the fees you pay — will depend on where you live. You can check Advance America’s website to learn specific details about your state.

In addition to its short-term loan options, most Advance America stores also offer prepaid debit cards and MoneyGram as an in-store service. Like with its loans, you can call or visit a storefront for more details.

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. However, it has settled with the state of California for charging interest rates over the legal limit, so you should make sure your loan follows your state’s laws before you sign.

How do Advance America loans compare to other loans?

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
Fast5kLoans Short-term Loans Connection Service
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
CreditLend connection service
Varies by lender
Regular source of income, checking account, not currently involved in bankruptcy or bankruptcy relief
Find a line of credit — even if you don't have a perfect score.
LendYou Short-term Loans
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Slam Dunk Loans
Same business day to 1 business days
Employed, $800+ regular monthly income, checking account, ages 18+, US citizen
Fill out a simple online form to compare offers from several lenders that may be able to help.
CashUSA Installment Loans
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more. Payday Loans
1 to 2 business days
Employed, $1,000+ monthly income after taxes, US citizen or permanent resident, ages 18+
Use its repayment calculator to see how the loan term and amount you borrow affects the overall cost.

Compare up to 4 providers

Advance America reviews and complaints

There has been government action taken by the state of California — in addition to over 100 customer complaints filed against the company. Reviewers comment that Advance America had poor customer service and that the loans didn’t exactly follow the contract.

TrustPilot paints a much different picture. There are over 44,800 reviews, and many of them are positive. However, there aren’t many that don’t have any details at all, just praise for the company. When making your decision, take both the positive and negative reviews into account before signing on for a loan.

Am I eligible?

To be eligible for a short-term loan from Advance America, you will need to meet the following requirements:

  • Steady source of income
  • Not involved in bankruptcy
  • At least 18 years old — varies by state
  • US citizen or permanent resident

What states is Advance America available in?

Advance America has over 1,200 locations throughout the US, but it doesn’t serve residents in the following states:

  • Alaska
  • Arizona
  • Arkansas
  • Connecticut
  • 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
  • Virginia
  • West Virginia

What information do I need to apply?

When you visit an Advance America store or apply online, make sure you have this information to keep the application process simple:

  • Valid government-issued ID
  • Proof of an active checking account
  • Proof of income
  • Social Security number
  • Check

How do I apply?

The application only takes a few minutes, and you can apply either online or at an Advance America store near you. If you want to save time when visiting a store location, you can start your application online and complete it with an Advance America employee later.

  1. Visit the Advance America website.
  2. Click Apply for a loan to start your application.
  3. Select Use my current location or enter your ZIP code.
  4. Select whether you want to apply in-store or online — options depend on state.
  5. Create your account.
  6. Enter your personal information, including your address and phone number.
  7. Enter your financial information, including your income and bank account.
  8. Read the General Disclosures and the other general agreements before submitting your application.

Advance America’s electronic underwriting system will analyze your application. If you’re approved, you may be required to submit additional information to provide proof of your identity and income.

What are my repayment options?

Once you have your loan, check your loan agreement for information about how to repay and what fees you might be charged if you’re late. But while you may be charged a late payment fee, Advance America doesn’t report to the three major credit bureaus — Equifax, Experian or TransUnion — so you won’t have to worry about your score being damaged.

There are no prepayment fees for paying off your loan early, and some states even allow you to get a partial refund of your interest rate if you do. Contact your Advance America store for more details.

Because of the high cost and the lack of in-depth reviews, you may want to compare your options to see if you can find a better deal with another lender.

Frequently asked questions

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  1. Default Gravatar
    August 29, 2018

    Person by the name of Mike Alfred contacted me and said I was approved for a $7000 loan through your company is this a scam

    • Default Gravatar
      August 30, 2018

      Hi Josie,

      Thanks for leaving a question on finder.

      It would be ideal if you can call Advance America Loans directly to verify about the call you received. To help you avoid getting ripped off, we cover the signs of a personal loan scam and what you can do to avoid them if you click HERE.

      Scammers put a lot of work into gaining your trust so that you click, share or open what they’re pedaling. Which means that real loans are increasingly hard to tell from the fakes. In the end, knowledge is the best defense against personal loan scams.

      To find a personal loans from a trustworthy company, you can compare fees, rates and terms of legit lenders we’ve reviewed.


  2. Default Gravatar
    May 21, 2018

    Do I have to have direct deposit to qualify for the personal loan?

    • Avatarfinder Customer Care
      May 22, 2018

      Hi Stacy,

      Thanks for getting in touch with finder. I hope all is well for you. :)

      Usually, Advance America provides the fund by transferring it to your bank account. You might as well directly get in touch with them to know if they offer other means of giving you your approved loan money.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  3. Default Gravatar
    March 30, 2018

    I need a telephone number to speak with a representative regarding someone claiming to be advance America and took me for $150

    • Default Gravatar
      March 30, 2018

      Hi Robert,

      Thanks for leaving a question on finder. Please note that we are a comparison website and we do not represent any of the providers on our page.

      If you are looking to verify with Advance America directly, you contact them at 844-562-6480 for questions regarding in-store loans or call 877-505-0701 for online loans.


  4. Default Gravatar
    December 22, 2017

    Can u get a small loan with family assistance

    • Avatarfinder Customer Care
      December 23, 2017

      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,

  5. Default Gravatar
    September 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.

    • Avatarfinder Customer Care
      September 15, 2017

      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.


  6. Default Gravatar
    June 28, 2017

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

    • Avatarfinder Customer Care
      June 28, 2017

      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.


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