Advance America - Get a Loan Online up to $25000!

Advance America - Get a Loan Online up to $25000!

Loan Terms
Daily Interest:
Loan Amount:
Loan Term:
1-120 days
APR Range:
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Loan Amount

Loan Term

★★★★★ 5.00
Reviews: 1

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Advance America operates in the retail financial services market of the USA and offers its customers simple and convenient credit solutions. Get a loan online up to $25,000.

About Company

Advance America. According to their official site, this company is developing in a trend with a changing market, they offer their customers affordable loans and strive to create long-term relationships with customers, which are based on reliability and honesty.

Cash Advance America’s goal is to provide a simple and convenient solution for your needs.

You can take out a loan in the amount of up to $50,000 for various purposes: construction or repair work, purchase of new household appliances, vacation, wedding, study, and other needs that are relevant to you.

advance america usa online loans

Advance America: Terms and Conditions

loan amount:from $100 to $50 000
loan type: online loan to: bank account, debit or credit card
loan period: 1-365 days
citizen: US citizen or permanent residen
age of borrower: 18-70 years old
employment: yes
loan extension: yes
advanceamerica online loans

How does Advance America work?

A loan is provided in the amount of $100 to $50,000. Minimum and maximum terms for which a loan is granted: from 6 to 36 months.

Declared total loan value: total annual interest – 0.01%, initial interest – 3% of the loan amount, monthly interest – 3% of the loan amount. The real annual interest rate is 460% per annum.

The final terms of the loan will be offered individually.

APR 460%
Min/Max Loan Amount From $100 to the figure prescribed by your state
Max loan term 36 months
Number of states28

What are the main features of the process?

  • You can choose the loan product suitable for you: payday loans, installment loans, auto title loans, and lines of credit.
  • You will spend a minimum of time collecting the necessary documents to get the amount of money you are interested in at Advance Cash America.
  • The Advance America network is represented in all major states of the USA, so it is most likely you will have the ability to take a loan.
  • It is easy to take a loan: you can contact the department directly or leave a request on the site.

Step-by step guide

  1. Leave an online loan application and Advance America online specialist will contact you: provide advice on loan products, help you choose the most optimal loan option, taking into account your goals and capabilities.
  2. To get a loan via the Internet, you need to take only a few steps – register, fill out an online application form, indicate the number of the bank card to which you need to transfer the loan and submit an online application in your account.
  3. After the system confirms the amount of the online loan, the amount will be instantly transferred to a Visa or MasterCard as soon as you sign a loan agreement on the website with a special SMS with a code received on your mobile phone.

Fast online lending from American Advance loans is an opportunity to replenish a card for the exact sum, even when other banks refuse to issue loans because of damaged credit history or lack of a permanent job.

For approval, you do not need to collect a lot of documents – money is issued by scanning a copy of the valid government-issued ID in less than half an hour.

Despite the fact that a cash loan is a profitable alternative to a long accumulation of funds, a simple and convenient way to get money, turning to this service will cause you an additional headache.

Advance America Loan Services

Payday Loans

Urgent loans in the Advance America non-bank organization mean the allocation of a certain amount of money for the period that will be required, as they say, from one salary to another.

Such a loan, as a rule, can be issued even without registration at the location of a non-banking organization, in the amount from $100. In this case, the loan term will range from a few days to a couple of months.

In order to arrange such a microloan, it is necessary to leave an application with the contact details filled in and send. For registration of a loan agreement, most often, you need only a valid government-issued ID.

Title Loans

In addition to the aforementioned, a title loan can be issued in Advance America. Such loans provide for collateral and registration. But at the same time, the potential borrower should not be registered in the house or apartment, which are provided as collateral.

It should be understood that the design of a microloan in Advance America is somewhat different from the design of a bank loan. Everything is much simpler. And this microfinance organization is loyal. However, it is important to take into account several nuances regarding the size of the amount of the title loan and the requirements for the collateral object.

So, for example, the amount of the loan secured by property should not exceed its market value. The assessment itself is carried out by an expert from an organization that specializes in the assessment.

The collateral must also remain with Advance America or be documented by the MFI until the full repayment of the full debt of the borrower to the creditor. However, neither the borrower nor the lender himself has the right to use the property for personal purposes until the debt is paid and the contract is terminated. In the event that the debt is not repaid, the pledged property will become the property of Advance America.

Installment loans

Another variant for clients with less-than-perfect credit, whose advantage is scheduled payments over an extended repayment period.

Lines of credit

An option that enables you to feel more flexibility with your credit. It also makes you avoid paying interest on the funds you don’t use.

Advance America Loan Requirements

Here is what you need to provide for a loan (installment loan requires more information described on their website):

  • Government ID
  • Proof of income
  • Checking account
  • Social Security number
  • Personal check (for in-store applications)
  • Valid email address (for online applications)

Is Advance America Legit?

Despite numerous complaints and everyday discontents that Advance America are scammers, we can certainly assure you that this service is %100 legit. To confirm this, check the list of states their offices are located in and compare this information with data about the legitimacy of loans in these regions.


  • Fast and convenient appliances. And around the clock.
  • The first loan can be taken really cheap.


  • It is very expensive. Such loans are issued at 300% to 700% per annum, which is much more expensive than in banks.
  • Payday loans don’t help you build credit
  • Not available in all states
  • Not transparent
  • Multiple complaints

An Example of the Interest Rate Calculation:

Cash Advance Installment Loans Personal Loans
Loan amount: $1.000 $1.000 $1.000
Loan period: 100 days 100 days 100 days
APR: 200% 30% 20%
Interest rate: $55 $8 $5
Total payment: $1.055 $1.008 $1.005

Consequences of late/non-payment of a loan

If you do not repay the loan, including fees, on time, typical actions taken by lenders include turning your account over to a collection agency, reporting to a credit score agency, an offer to renew, which will add additional fees and charges to your account balance, and/or legal action. Late Payments of loans may result in additional fees or collection activities, or both. read more

Advance America: Contacts

e-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
phone: (866) 682-2992
applications accepted: 24/7
contact center: Monday-Friday:8:30am-6:00pm, Saturday-Sunday: Closed
address: Ohio, 135 N. Church St., Spartanburg, SC 29306

Benefits of lending in Advance America

  • revolving loan: yes
  • additional payment/fee for revolving loan: none
  • terms of the renewed loan: full repayment of the previous loan
  • We don’t take the role we play in our customers’ lives lightly
  • We treat every person we meet and the community we serve with kindness and respect
  • Advance America is a proud community lender that services thousands of individuals locally and online
  • Personalized financial solutions to fit your specific needs


For today we have numerous negative Advance America reviews complaining about such issues like high-interest rates, failed attempt to contact support service, and inability to repay credit.

In our opinion, such microloans can be a good option only when you take them for the first time. Companies like newcomers and provide preferential “test” loans. In all other situations, we would consider them as a very extreme case. Better look for other services.

FAQ: Advance America

What is Advance America ❓

Advance America is a short-term lender that offers money solutions with people whose credit score can’t afford them turn to banks.

Does Advance America do a credit check ❓

Yes, they do, but only in terms of active credits and other issues. A credit score effects decisions minimally.

Does Advance America do payday loans ❓

Yes. A quick loan means: get money fast. On average, a quick loan can be issued within 15 to 30 minutes. In order to apply for a quick loan, you need equipment with an Internet connection, a mobile phone, and an active bank account. You can apply for a loan by filling out an application online. In the case of a positive response, the amount will be transferred to a bank card.

Is Advance America Safe ❓

This corporate is safe for you only in case you can repay your credit the next day or within a week. In another case, find another company.

Advance America - Reviews:

★★★★★ 5.00 Reviews: 1

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Your Mark:


Advance America places an emphasis on honesty, which is why customers love coming back to them. I am one of them. I believe Advance America they never try to cheat their customers! Even when there are problems, they are ready to help! I'm sure this is a great company. I recommend!