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Payday loans like Advance America

Find similar funding with lenders that offer loans online and in store.

Advance America is a nationally recognized financial institution serving borrowers for more than 20 years. With thousands of locations across the US and a quick online application, many people turn to Advance America to fund their short-term lending needs.

But if you live outside a state serviced by Advance America or don’t have a regular source of income, it might not be your best choice when you’re narrowing down short-term lenders.

  • More than 2,000 store locations nationwide
  • Payday, installment and auto title loans available
  • Member of the Community Financial Services Association
  • Limited information available online
  • Recent settlement with state of California

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

Check Into Cash mainly offers payday loans with fees that typically run from $15 to $30 per $100 borrowed. However, it can be a good choice if you only need a small amount and want to pick up your cash at a store.
  • Available in: Alabama, Alaska, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
Pros
  • Same-day funding available
  • Borrow as little as $50
  • Positive Trustpilot ratings
Cons
  • Must be at least 21
  • APRs can reach over 300%
Loan amountVaries by state
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

ACE Cash Express Short-term Loans

3.6 / 5 ★★★★★

Go to site
on ACE Cash Express's secure site
ACE Cash Express offers payday loans and installment loans, although your exact options will vary by state. It isn't upfront about its costs, but expect to pay a high interest rate on any loan you borrow.
  • Only available in: California, Delaware, Florida, Idaho, Kansas, Louisiana, Minnesota, Missouri, New Mexico, Ohio, Texas
Pros
  • Same-day funding available
  • 72-hour return period
  • Prepaid debit cards
Cons
  • Not upfront about costs
  • High volume of BBB complaints
Loan amount$100 - $5,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

CashNetUSA Loan

3.6 / 5 ★★★★★

Go to site
on CashNetUSA's secure site
CashNetUSA offers payday loans, installment loans and lines of credit — but your options will depend on your state. And while it's upfront about costs, its loans typically have an APR of 200% or more. So while it can be competitive, it's still more expensive on average than Advance America.
  • Available in: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
Pros
  • Same-day funding available
  • Upfront about costs
  • Coupon codes available
Cons
  • High volume of BBB complaints
  • APR of over 200%
Loan amount$100 - $1,800
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

CashUSA Installment Loans

Go to site
on CashUSA.com's secure site
CashUSA is a connection service. Its network of lenders offer loans with interest rates capped at 35.99%. Your information may be used for marketing, but it's a good first step if you want to avoid the high cost of lenders like Advance America.
  • Not available in: New York
Pros
  • APR capped at 35.99%
  • Loans up to $10,000
Cons
  • Connection with a lender not guaranteed
  • Monthly income of at least $1,000 required
Loan amount$500 - $10,000
Interest rate typeFixed
Loan Term90 days to 72 months
Turnaround timeAs fast as same business day

Check 'n Go Payday Loans

Like Advance America, Check 'n Go offers payday loans and installment loans, among other services. But its interest rates can top 600% depending on your state, and you may not live near a location to get quick funds.
  • Available in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont
Pros
  • Same-day funding available
  • Breaks down costs and loan details by state
Cons
  • APR of 600% or more in some states
  • High volume of BBB complaints
Loan amount$100 - $1,500
Interest rate typeVariable
Loan TermVaries upon state
Turnaround timeAs soon as the same day

Speedy Cash Short-term Loans

4.45 / 5 ★★★★★

SpeedyCash is another direct lender that offers both payday and installment loans. Its interest rates are higher than Advance America, but lower than much of the competition. In addition, you could have your loan the same day you apply if you visit a store.
  • Available in: Alabama, Alaska, Arizona, California, Colorado, Delaware, Hawaii, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, Nevada, North Dakota, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming
Pros
  • Same-day funding available
  • Borrow as little as $50
Cons
  • High volume of BBB complaints
  • APRs of 200% or more
Loan amount$50 - $26,000
Interest rate typeFixed
Loan TermVaries
Turnaround time1 day
PROMOTED

OppLoans Installment Loans

4.4 / 5 ★★★★★

Go to site
on OppLoans's secure site
Opploans only offers installment loans, but it has some of the lowest rates on the market for a short-term lender. However, it's not ideal if you were hoping to get a loan under $500. And if your bank account isn't at least 90 days old, you won't qualify.
  • Not available in: Arkansas, California, Colorado, Connecticut, Illinois, Iowa, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Pennsylvania, Vermont, Virginia, West Virginia
Pros
  • APR capped at 160%
  • Reports payments to credit bureaus
  • Backed by a bank
Cons
  • No loans under $500
  • Late payments could hurt credit score
Loan amount$500 - $5,000
Interest rate typeFixed
Loan Term9 to 24 months
Turnaround time1 business day

LendUp Payday Loans

LendUp encourages you to build your credit score with small installment loans. So despite the low maximum loan amount available to first-time borrowers — and the potentially high interest rates — it can help you get back on track. But it's only available in seven states and credit reporting may not always benefit you.
  • Only available in: California, Louisiana, Mississippi, Missouri, Tennessee, Texas, Wisconsin
Pros
  • Credit education resources
  • Reports payments to credit bureaus
Cons
  • Low maximum loan amount of $250
  • Credit reporting not always available
Loan amount$100 - $250
Interest rate typeVariable
Loan Term7-30 days
Turnaround timeAs soon as the next business day

Compare other payday loan lenders

Name Product Filter Values Loan amount Turnaround time Requirements
B9 pay advance app
Up to 100% of your salary
Instant
$500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID
Withdraw 100% of your paycheck with no extra fee for instant funding.
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Stilt
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
Get a fair loan designed for immigrants and nonresidents.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
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.
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See how other top providers compare to Advance America by checking out our selection of the best payday lenders available.

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