Frequently asked questions

My Account

How do I repay my loan?

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

Can I pay off my loan early?

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

How do I repay my in-store loan?

Loan payments are accepted at the store. In some states, payments can also be made through an online account, by phone or through an automatic withdrawal from your checking account. Check with your local store to discuss available payment options.

What happens to my check if I do not pay on my due date?

If your state requires a personal check as collateral, we will not cash your check or debit your account unless we do not receive payment for your loan. If you are unable to pay your loan on time, please contact your local store or call us at 844-562-6480.

What if I cannot pay or will be late repaying my loan?

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 Equifax, Experian or TransUnion credit agencies. If you are unable to pay your loan on time, please contact us at your local store or our toll free number (844) 562-6480.

Can I renew or refinance my loan?

Advance America follows all federal and state laws, so the ability to refinance loan depends upon the state regulations. Please contact your nearest store for further information or call us at (844) 562 – 6480.

Can I pay off my loan early?

Of course. Please contact the store in which your loan originated or call (844) 562 – 6480 for an online loan to pay your loan off early. In some states, you may be entitled to a refund of part of your loan fee.

Are there any waiting periods between loans?

Waiting periods are regulated by state law. Most states do not require a waiting period between loans. Please contact your nearest store for further information or call us at (844) 562 – 6480.

When will payments be due and how do I make them?

Typically, your line of credit payments are due on your pay date and are scheduled as automatic withdrawals from your checking account. You can also make payments at your local store or in your online account.

When I pay off my Line of Credit, do I need to reapply the next time I need money?

You can continue using your original Line of Credit. As long as you continue to make on-time payments on the money you withdraw, you can continue to withdraw funds up to your maximum approved credit until your Line of Credit expires (at which time you can apply to renew it).

What if I cannot repay the amount due on the due date?

If you can’t make the minimum payment for your Line of Credit on the due date, please call the contact center at 1-877-505-0701.

Can I pay off my entire balance early?

Yes, you can pay off your loan early at your nearest store or within your online account. If you choose to pay your full balance early, we won’t charge any pre-payment penalties. If you make an early payment that does not cover the full amount you have borrowed, the rest will be paid via automatic withdrawal on the regularly scheduled payment date. For example, if you have a payment of $150 dollars and you pay $100 before the withdrawal date, then we will only collect $50 on the regularly scheduled payment date.

How do I update my bank information?

To update your bank information, please email customerservice@service.advanceamerica.net or call 1-877-505-0701. Please make all changes at least two banking days before your loan is due.

How do I update my customer profile?

To update your customer profile, log in to your account and click on “View/Update Profile”

How do I reset my password?

To change your password, log in to your account and click on View/Update profile. 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. Account Login.

What if I forgot my password?

To reset your password, click “forgot password” under the customer login section. A new password will be delivered to your email address. Once you login with the password sent to you, you will be required to update that password to a new one to continue.

What if I still need help?

For customer assistance with online applications, representatives are available to assist you Monday through Friday from 8:00 AM to 9:00 PM ET and Saturday from 9:00 AM to 6:00 PM ET at 1-877-505-0701 or send us an email.

What is the status of my account?

Please call a local Advance America store or the contact center for account information at 1-844-562-6480.

How/What do I need to change my bank info?

Bring in or fax a copy of your latest bank statement to your local center in order to update/change your banking information.

When will my account be funded?

You will receive cash or check for funds immediately after signing the loan agreement in the local center.

What is the balance on my account?

Please call a local Advance America store or the contact center for account information at 1-844-562-6480.

How can I make a payment?

Loan payments are accepted at the store. In some states, payments can also be made through an online account, by phone or through an automatic withdrawal from your checking account. Check with your local store to discuss available payment options.

Can I skip/defer payment?

You cannot skip or defer a payment. However, if eligible, we may be able to enroll you into a repayment plan and/or extend your payment due date.

Can I make a payment with a debit card?

In some states, we accept debit card payments in-store, online and over the phone. Check with your local store to understand the payment options available to you.

Can I get an Extended Payment Plan?

You can enter into a re-payment plan if your state allows it and you are eligible based on state requirements.

When can I reapply after payoff?

In most states, you can re-apply right away if needed. Some states require a waiting period period between loans. As a state-licensed lender, we follow the rules provided in each state.

How do I revoke my ACH Authorization?

If you’d like to revoke your ACH authorization, you will need to visit your nearest Advance America store and complete two (2) copies of the ACH Revocation Form.

What is the status of my account?

You can see account details by logging into your account online, chatting or by calling customer service at 877-505-0701.

How/What do I need to change my bank info?

In order to update your bank account information, you will need to supply a copy/photo of a non-starter voided check, both front and back, or your last full month bank statement. This information should be sent to any of the following:

Email: bankchange@service.advanceamerica.net

Text: 760-237-2274

Fax: 864-336-7055

Once your information is sent, please allow for up to 1 business day for these changes to be updated within your account profile. If you have further questions, please call our customer service team at 877-505-0701.

When will my account be funded?

Funds are typically deposited into your account by the next business day.

What is the balance on my account?

You can see account details by logging into your account online, chatting or by calling customer service at 877-505-0701.

How can I reset my password?

Please call customer service at 877-505-0701, chat, or click on “forgot password” on the AdvanceAmerica.net/portal.

How can I make a payment?

Online loans payments are automatically scheduled to be withdrawn from your checking account on the due date. You can also make a payment by logging in to your online account and select Make a Payment. Or, you can make a payment over the phone by calling 877-505-0701.

Can I skip/defer payment?

Please call customer service at 877-505-0701 for more information on payment deferment.

Can I make a payment on my online loan with a debit card? Can I re-loan faster if so?

Yes, you can pay your online loan with a debit card through your online account. Just login and select Make a Payment. Typically paying off with a debit card allows you to re-loan faster than waiting for the electronic payment to clear. If you have questions, chat with us online or call our customer service team at 877-505-0701.

Can I get an Extended Payment Plan?

We understand that from time to time, you may run into a hardship and need further assistance. During those times, please call customer service at 877-505-0701 to determine if you qualify for an Extended Payment Plan.

When can I reapply after payoff?

If your loan is paid via ACH, waiting time is typically 4 days. Debit Card payoffs are typically the same day.

How do I revoke by ACH Authorization?

Please call customer service at 877-505-0701 or email

CustomerService@Service.AdvanceAmerica.Net at least 2 business days prior to the maturity/due date.

How can I reset my password?

Click Log back in! located on the top right of every portal page.
Click the Reset Password link, located below the Login Name and Password fields on the Login page. The Reset Password popup will display.
On the Password Reset popup, enter the email address you originally used to create your profile. If you enter a different email address, not in the system, your password cannot be reset. If further assistance is needed, email applicantassist@advanceamerica.net for support. Be prepared to validate your identity, e.g., home address and phone number.

When will my account be funded?

For customers who visit a local center - you will receive cash or check for funds immediately after signing the loan agreement. For customers who apply online - funds are typically deposited into your account by the next business day.

Can I skip/defer payment?

You cannot skip or defer a payment. However, if eligible, we may be able to enroll you into a repayment plan and/or extend your payment due date. Please call customer service at 877-505-0701 for more information on payment deferment.

When can I reapply after payoff?

This depends on your state’s waiting period requirements.

Can I renew or refinance my loan?

Advance America follows all federal and state laws, so the ability to refinance loan depends upon the state regulations. Please contact your nearest store for further information or call us at (844) 562-6480.

Can I pay off my entire balance early?

Yes, you can pay off your loan early at your nearest store or within your online account. If you choose to pay your full balance early, we won’t charge any pre-payment penalties. If you make an early payment that does not cover the full amount you have borrowed, the rest will be paid via automatic withdrawal on the regularly scheduled payment date. For example, if you have a payment of $150 dollars and you pay $100 before the withdrawal date, then we will only collect $50 on the regularly scheduled payment date.

What is the status of my loan?

You can review your loan details by logging into your online account, chatting or calling us at (844)562-6480. If you have questions about a loan received in a store, please contact the store for more details.

When can I reapply after payoff?

In most states, you can apply right away once your payment is made in cash or with a debit card. When payments are made through an electronic withdrawal directly from your bank account, it can take 3 to 5 days for that payment to clear. Once the payment clears, you are eligible to reapply for a new loan. Please note, some states require a waiting period between loans. For example, in Florida, customers must wait 24 hours between payoff and ability to reloan.

What if I cannot pay the amount due on the due date?

If you are unable to make your upcoming payment, please contact us at (844)562-6480 to discuss available payment options. You can also reach out to your local store for more information. In some states, refinance options are available.

I was denied a loan with Advance America due to insufficient credit and believe this is inaccurate.

If you were denied a loan and have questions related to the accuracy of the credit information used to make this decision, you can request your credit report from the credit bureau. Advance America is unable to provide details related to your credit report, and you must contact the credit bureau directly to review your information. If you believe there is an error on your credit report, you have the right to dispute the error directly with the credit bureau.

First, take a look at the Adverse Action Notice received at time of loan denial. This notice will inform you of the credit bureau utilized to make the loan decision – either FactorTrust or Clarity. Once identified, follow the instructions below to pull your credit report.

FactorTrust

  • To request a report online: click here to complete the online Factor Trust form

  • Fax or Mail - print and complete a hard copy of the form and fax or mail to Factor Trust along with a copy of your driver’s license:

    FactorTrust, Inc.
    Attention: Consumer Inquiries
    PO Box 3653
    Alpharetta, GA 30023
    Fax: (770) 980-9414

  • A dispute can be filed directly with FactorTrust by filling out the form at this link. A dispute can also be filed in writing by fax or mail to the information above and should include the following information:

    • Name
    • Last Four Digits of Your Social Security Number
    • Date of Birth
    • Current Phone Number
    • Current Address
    • The disputed Credit Report Number
    • A description of each item on the report that you are disputing

FactorTrust will provide you with the results of your dispute and an updated consumer report within 30 days.

Clarity

A Clarity Services Credit Report form can be accessed using this link. Fax or mail the form to the following:

Clarity Services, Inc.
PO Box 16
Allen, TX 75013
Fax: (972) 390-5743

I have questions about the Advance America loan activity shown on my credit report.

If you believe there is an error on your credit report related to a loan with Advance America, please fill out this form. These errors may include, but are not limited to, the incorrect reporting of a loan status (i.e. current, delinquent, etc.), reporting a loan as being past due when all payments have been on time, a mix-up in the ownership of an account, or the reporting of an incorrect amount owed on a loan. Please be sure to provide as much information as possible. This is the fastest way to ensure the erroneous information on your credit report is corrected. Advance America will reply to your submission by email or letter within 30 days.

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