An in-store payday loan (or payday advance) allows you to visit one of our locations and receive your payday advance in person. The entire process typically takes about 10-15 minutes and you could have the money you need when you leave the location. An online loan gives you the convenience of processing your loan completely online without the need to visit a location. You submit an online application, and if approved, the funds from the loan are deposited directly into your bank account, usually by the next business banking day*.

A payday loan is a short-term, small loan, often used to cover unexpected expenses or to bridge a temporary gap between paydays. A payday loan is a financial solution that provides an alternative to bounced checks or other late fees. Payday loans are used to cover short-term financial situations, not a long-term financial solution. Customers should evaluate the costs and benefits of all credit options before borrowing.

Payday loans are regulated by each state, and Advance America follows all state laws, rules and regulations as well as all federal laws. In addition, as members of the CFSA we follow all industry Best Practices to provide the most beneficial, responsible payday loan service.

Since 1997, millions of customers have trusted Advance America to provide convenient financial solutions to meet their needs. In fact, 97% of our customers rate their experience with Advance America as good to excellent.

As the nation's largest payday loan company, we recognize the significant responsibility of following all federal and state laws and always presenting fees that are clear and easy to understand. We are proud to be a founding member of the Community Financial Services Association, and are publicly traded on the New York Stock Exchange. So you can rest easy knowing that Advance America is a responsible choice.

Advance America follows all state and federal laws. Depending on your state, there may be specific guidelines regarding the use of a payday loan. To find out more about your state, click here to contact one of our locations.

No, our approval process does not consider or impact a customer’s FICO score, but we may evaluate your credit eligibility by using a custom scoring model developed by Experian. To learn more, visit or contact one of our locations.

We respect our customers' desire for privacy in managing their personal financial matters. The payday loan transaction is confidential, and your personal information will be treated accordingly.

Our store hours vary by location. Click here to view the hours of the location nearest you or call 1-800-WE'RE HERE (1-800-937-3437) to be connected to your nearest location.

Find the Advance America store nearest you by putting in your zip code here.

The Community Financial Services Association of America (CFSA) is the only national organization dedicated to promoting responsible regulation of the payday advance industry and consumer protections through CFSA's Best Practices. CFSA is committed to working with policymakers, consumer advocates and CFSA member companies to ensure that the payday advance is a safe and viable credit option for consumers.

The application process at Advance America is efficient and simple, taking only 10-15 minutes. Below is a summary of our quick process. For more information on your specific state, click here.

The fees are specific for your state, which can be viewed on the Fees & Terms page.

A typical fee charged by Advance America is $15 per $100, which is an annual percentage rate of 391.07 for a two week term. To pay an amount equal to 391.07% interest on a payday loan, one must borrow a two-week loan 26 times (a full year). In many cases state laws and industry best practices simply do not allow this to happen.

Often, the cost of a cash advance may be lower than the alternatives considered by many people, such as paying a bill late or incurring overdraft fees.

Fees vary depending on the amount of your payday loan and your state of residency. Our fees are in compliance with all applicable state and federal laws.

State law regulates the maximum loan amount available. Within the allowed range, you qualify for a particular loan amount based on your current income, whether you work full or part time. To view the available loan amounts in your state, click here.

The maximum available loan amount is determined by the law in each state. Your specific loan amount will be based on your income, whether you work full or part time, to ensure the loan amount is not higher than you are able to repay. To view the available loan amounts in your state, click here.

To qualify for a loan, you must provide personal identification, proof of income, and a bank statement. No collateral is required to get a payday loan. To view more details on what to bring in your state, click here.

Advance America follows all federal and state laws, and the ability to have multiple loans depends upon the state regulations. Please keep in mind that having more than one loan out at the same time could be more difficult to pay back.

Processing your completed application at an Advance America location will only take a few minutes. Once processing is complete and you are approved, we'll review the fees and terms for your payday loan, and you’ll receive the money you need during that visit.

Typically your payday loan will be due on your next payday. Every state has its own set of rules and regulations that we follow. To find out more details in your state, please contact a location convenient for you.

Advance America abides by CFSA Best Practices and state laws regarding rescission, which enable you to rescind the transaction at no cost within a certain time period by returning the full amount of the advance. Contact your local Advance America location for state specific rescission policies.

When you apply for a loan in an Advance America store, you will return on your due date to repay the total amount due.

Advance America will work with you to establish payment arrangements. And, we're committed to collecting past due accounts in a professional, fair, and lawful manner. We do not report to credit agencies. In most states Advance America offers a Worry Free Advance, in which the fees of your advance are waived should you lose your job while you have a cash advance outstanding. In addition, we follow the rules of the Fair Debt Act collection practices.

Advance America follows all federal and state laws, and the ability to renew an advance depends upon the state regulations. Please contact your local center for further information.

Yes. Please contact the store in which your loan originated if you want to pay your loan off early. In some states, you may be entitled to a refund of part of your loan fee.

Advance America will partner with you to establish payment arrangements. We’re committed to collecting past due accounts in a professional, fair, and lawful manner. We do not report to credit agencies. In most states Advance America offers a Worry Free Advance, in which the fees of your advance are waived should you lose your job while you have a cash advance outstanding. In addition, we follow the rules of the Fair Debt Act collection practices.

A payday advance (or payday loan) is a short-term loan often used to cover unexpected expenses or to bridge a temporary gap between paydays. A payday advance is a financial solution that provides an alternative to bounced checks or other late fees. Payday advances should be used to cover short term financial situations, not a long term financial solution. Customers should evaluate the costs and benefits of all credit options before borrowing.

An online payday advance is processed completely online without the need to visit a location. You submit an online application and if approved, the funds from the loan are deposited directly into your bank account, usually by the next business banking day.* Your repayment of the loan is electronically deducted from your bank account on your due date.

To get a loan online, follow these easy steps:

• Click the Apply for a Loan button at the top of the page and enter your zip code.
• If the online loan is available in your state, you will see the option “Get a payday loan online.”
• Simply click the “Apply Online” button and complete the application.
• Once you have submitted your application, subject to approval you may be eligible for a loan of $100 or more deposited directly into your checking account the next business banking day.* (Applications must be submitted prior to 9 p.m. CST to receive funds on the next business banking day.)

To find out if online loans are available in your state, click here.

Payday advances provided through Advance America and CashNetUSA follow the laws and regulations in each state. Depending on your state, there may be specific guidelines regarding the use of a payday advance. Advance America and CashNetUSA online loans adhere to the best practices of the Community Financial Services Association (“CFSA”). To find out more about your state, click here.

A poor credit history or previous bankruptcy filing may not necessarily prevent you from receiving an online loan.** Our online representatives will work with you to see what options are available. If you need help with budgeting or debt management, you can call the National Foundation for Credit Counseling at 1-800-388-2227 for financial counseling.***

When you need money, online payday advances through Advance America are simple, convenient, and provide the opportunity to apply from the privacy of your own home. The easy-to-use online application can be completed in as little as 10 minutes, and you may be eligible to have funds directly deposited into your checking account generally the next business banking day.*

In addition, the following attributes indicate that you are working with a reputable, trustworthy company:

Membership in the CFSA: The Community Financial Services Association of America (CFSA) is the nation's only promoter of responsibility and integrity in the payday advance industry. As a member of CFSA, Advance America is committed to upholding CFSA’s set of best practices for a more beneficial, responsible payday advance experience.

Full Disclosure: As required by law, all rates, terms and fees are explicitly outlined in the agreement. There are no unexpected charges and no hidden costs when borrowing.

Online loans provided through CashNetUSA are regulated by each state. We abide by the applicable laws, rules and regulations of each state in which we operate, as well as the applicable federal laws. In addition, as members of CFSA we follow industry best practices to provide a more responsible payday advance service. Please note that not all online loan providers always provide these same levels of safeguards. It’s important to use a reputable company for access to online payday advances.

You must meet the following requirements to become eligible to receive loan funding or Credit Services from CashNetUSA.++

• Have an active checking account
• Have been employed for at least one month
• Must be a US citizen or permanent resident
• Must be at least 18 years of age

Due to state and verification requirements, not all customers may be eligible for instant approval. We generally do not perform traditional credit checks as part of our credit transaction approval process, but we do verify applicant information via national databases including, but not limited to, Tele-Track and CL Verify. If you have defaulted on past transactions, you may be declined for an advance. Some customers may be required to submit additional documentation under state law and lender qualification criteria.

Generally traditional credit checks are not performed as part of our credit transaction approval process, but we do verify applicant information via national databases including, but not limited to, Tele-Track and CL Verify. If you have defaulted on past transactions, you may be declined for an advance.

Online loans originated from ApplyAdvanceAmerica.com are offered and funded by CashNetUSA and marketed by Advance America. CashNetUSA is not a lender in all states. In some states, CashNetUSA will 1) act as a broker to arrange a loan between you and a third party lender or 2) connect you with a financial matching service. Advance America and CashNetUSA are dedicated to offering you convenient and secure lending services from the privacy of your home.

The amount of your loan is based on qualification criteria, as well as state laws and regulations. If you successfully repay your first loan, we may be able to increase your loan amount on any future online loans. For information on advance amounts and fees, click here.

Once your loan is approved; the funds will generally get deposited into your bank account on the next business banking day if approved by 9 PM CST Mon. – Thu. or by 7 PM CST Sun.*

The fees are specific for your state. Click here to see the maximum available advance amounts and fees that would apply to you. Not everybody qualifies for a maximum loan amount. Always consider the costs, fees and benefits of a payday advance and any other short-term credit options.

Fees vary depending on the amount of your payday advance and your state of residency. Our fees are in compliance with applicable state laws.

Your loan will normally be due on your next payday, if it falls between 8 and 35 days from the day you apply for your loan. Every state has its own laws and regulations. Click here to see the rules specific to your state.

We follow the laws in each state, and the ability to have multiple loans depends upon the regulations in your state. Please keep in mind that having more than one loan out at the same time could be more difficult to pay back.

Take-home or netpay is the amount you actually bring home in your paycheck. It’s your earnings after any deductions, taxes, employee benefit programs, health insurance, etc.

You will receive an email notification after receipt of your application, if your loan has been approved.

No, in many cases there is no fax or printer necessary in states that allow no documentation loans. (See rates and terms section.) Our online loan process is paperless, making it easy to get the money you need quickly.+ If your loan application is approved, we'll deposit the loan amount directly into your bank account typically the next business banking day.*

Yes. Because your online loan amount is deposited directly into your bank account, bank holidays could delay the timing of your loan deposit. The following bank holidays are observed by all Federal Banks:

• New Years Day
• Martin Luther King, Jr. Day
• President’s Day
• Memorial Day
• Independence Day
• Labor Day
• Columbus Day
• Veterans Day
• Thanksgiving Day
• Christmas Day

For holidays falling on a Saturday, Federal Reserve Banks will be open the preceding Friday. For holidays falling on Sunday, all Federal Reserve Banks will be closed the following Monday. Be sure to check with your bank’s holiday schedule. See http://www.frbservices.org/holidayschedules/index.html for details.

The loan amount and loan fees are withdrawn from your checking account automatically on the due date of your loan. No need to make any payments or visit a store. If your loan payment and fees are returned because of insufficient funds, we can and will re-present the Automatic Check Holding (ACH) to your bank.

ACH stands for Automated Clearing House. Repayment of your loan is obtained by requesting your bank to send the amount due (including the loan fee) by transfer. This is called a single-payment ACH Authorization, which operates just like a paper check. Once we present to your bank your ACH authorization for payment, your bank will send the specified amount to us. If the payment is returned because of insufficient funds, the lender can and will re-present the ACH Authorization to your bank if permitted by law. Please note that online loans are made by CashNetUSA, thus, ACH will be presented and funds sent to CashNetUSA.

No. The ACH authorization can only be revoked AFTER we receive payment in full of the amount owed. Because our advances are single payment advances, we are permitted to require ACH repayment in accordance with the Federal Electronics Funds Transfer Act (EFTA). As a one-time payment, the repayment of a payday advance through ApplyAdvanceAmerica.com is not encompassed by the EFTA’s definition of “preauthorized electronic funds transfer,” and is therefore permitted under the EFTA.

Normally it will take 2 days for your payment to clear the bank. Once the payment clears, another loan can be issued, subject to approval and in accordance with the applicable state laws and regulations. The new loan will be deposited into your bank account the business banking day after the payment clears. For example, if your payment is due on Friday, your full payment comes out of your account on that day. The payment will clear on the following Tuesday and your new loan will be deposited to your account on the following Wednesday.

We will send an email reminder to you 1-2 days prior to your loan due date. Your payment options are:

• Full payment – Your end of loan action is set to pay in full, extensions are all exhausted, or you request a pay-in-full via email, phone, or online chat.
• Extend (where available); Pay Interest Only – Your end of loan action is set to extend, an extension was requested via our website, phone, email, or online chat. An extension is a new loan. Regular loan fees apply to loan extensions. Please note that extensions may not be available or the number of extensions could be limited due to the state law, CFSA rules or lender policy. Please check Rates & Terms for details
• Partial Payment (where available); Pay interest and part of the principal – Your end of loan action was set to extend and a partial payment was entered, an extension was requested and a partial payment was entered, or an extension was requested with a partial payment via email, phone or online chat.

When you apply for a loan, you will be prompted to choose one of the two "End of Loan Action" options. If you choose "Pay in Full," you will pay both the loan principal and the loan fee in full on the due date. If you choose "Extend," you will pay the loan fee on the due date, and you will be deemed to have submitted a request for an extension of your loan, with or without partial payment of the loan principal on the due date. Please note that extensions may not be available or the number of extensions could be limited due to the state law, CFSA rules or lender policy. Please check Rates & Terms for details.† You may change your "End of Loan Action" at any time by logging into your membership account. A change from "Pay in Full" to "Extend" must be made by 5:00 PM CST two business banking days before the due date of your loan.

If you can’t repay the full amount of your loan on the due date, you may be able to request a loan extension by logging into your member account. Loan Extensions are not available in all states. To see if you are eligible for an extension, go to the Rates & Terms page and select your home state from the map. An extension is a new loan. Regular loan fees apply to loan extensions.

Loan Extensions are not available in all states. To see if you are eligible for an extension, go to the Rates & Terms page and select your home state from the map. The number of loan extensions is limited.

To obtain approval of an extension request, you must pay the original loan fee on the due date. If you are granted a loan extension, you must enter into a new loan contract, and you will incur an additional fee on the extension. You must make your extension request by 5:00 PM CST, two business banking days before the due date of your loan.

The length of the extension will be governed by your pay dates and the rules displayed on the Rates & Terms page for your state. The fee on your extension is calculated in the same manner as the original loan fee. Fees for loans and extensions are found on the Rates & Terms page for your state. If you qualify for a Loan Extension, you can request one by following the steps below:

1. Log into your customer profile.
2. Choose the “Request Extension” link.
3. Verify your next two pay dates are correct. If they are incorrect, click on the “Employment” link under “Profile Options” to update your pay dates.
4. Enter any payment that you can make on the principal (this will reduce the fee on your extension) and enter any coupon codes.
5. Upon approval, choose the "End of Loan Action" you would like to occur on the extension’s due date. If you do not intend to repay the principal in full on the due date of the extension, enter the principal amount you would like to repay on that date.
6. Review and digitally sign the new loan agreement.

You can also request an extension by calling us at (888)686-9563 or e-mailing us at support@applyadvanceamerica.com.

Yes. Please contact us if you want to pay your loan off early. If you pay it off early, you may be entitled to a refund of part of your loan fee.

Update your bank information via an email to us through the “Contact Us” form through Live Online Support, or by calling Customer Support at (888)686-9563 at least two business banking days BEFORE your loan is due.

To update your customer profile, log in to your member account by typing in your email and password. Once you are logged in, click on the corresponding link under “Profile Options” in the “Manage Your Account” section, make the change, and click “Update.”

To update your password, log in to your member account by typing in your email and password. Once there, click on the "change password" link and type in a new password and click the "submit" button to save your new password. You can now access the site with your new password.

To reset your password, click “Forgot Password” under the customer login section. On the next page, enter your email address and click “Send email.” A new password will be delivered to your email address. Once you log in with the password sent to you, you will be required to update that password to a new one. You must update your password to continue.