Frequently asked questions

Log in to your online account or visit a nearby Advance America to make a payment. You'll receive ongoing billing statements detailing your minimum payment amount and payment date. If you've set up ACH authorization, your payment amount will be automatically debited from your checking account each cycle.

Log in

Log in to your online account or visit a nearby Advance America to make a payment. You'll receive ongoing billing statements detailing your minimum payment amount and payment date. If you've set up ACH authorization, your payment amount will be automatically debited from your checking account each cycle.

Log in

Depending on what time your application for a Line of Credit is approved, your first cash advance is typically deposited the next business day.

Once your Line of Credit is open, future advances are usually available the same day or within 24 hours.

Timing may vary based on your bank’s policies and cut-off times for same-day processing.

You only pay for the amount you advance, not your full approved amount. And there’s no fee or billing cycle charge when your line isn't in use.

Minimum payments are based on what you’ve taken out and your pay schedule. Details will be clearly listed in your ongoing billing statements, and you’ll receive full disclosures before finalizing your application.

View the fee schedule

For the best Payday Loans, choose a lender with:

• An easy application process and knowledgeable staff. Whether you’re applying in-store or online, we can help you find the best Payday Loan to meet your needs.
• A secure website. The address bar should display a padlock icon in front of the URL. The symbol indicates that the website is encrypted and secure. Check out our Privacy Policy for more information.
• Transparent fees, rates, and terms. At Advance America, we’re always upfront with your Payday Loan details. Learn more about your state’s loan rates and terms by clicking here.

The difference between an in-store loan and an online loan is simply the way you apply...

First, you can stop by an Advance America store to apply in person. Getting an in-store Payday Loan takes about 15 minutes, and you’ll often receive money immediately.

Second, you can apply for a Payday Loan online through our website. After submitting your online application, you will usually receive money in your bank account the same day you’re approved, or by the next business day if you apply between 10:30 AM- 8PM ET Monday-Friday. Holidays can impact these times.

Learn more about Payday Loan options in your state by clicking here.

Yes. Advance America complies with all state and federal laws and regulations. We’re also members of the Online Lenders Alliance (OLA). This means we follow all industry best practices to provide the most beneficial, responsible personal loan services.

Payday Loan applications at Advance America are reviewed based on a variety of factors, not just credit score. We also consider factors like your employment history and income in our approval decision.

Most states only allow borrowers to have one Payday Loan with Advance America. Click here to learn about the options available in your state.

The maximum amount you can borrow with a Cash Advance is regulated by state law. Your current income will also determine how much you qualify for within that range.

Discover the loan amounts available in your state.

Yes. Unexpected expenses arise suddenly, requiring immediate financial assistance. A Cash Advance from Advance America can be an ideal short-term solution when you need extra money between paychecks.

Depending on the loan options available in your state, you may be able to apply online or in person. With either option, you can get money the money you need as soon as the same day* you’re approved.

Apply online now or visit your nearest Advance America location to get started.

Yes. Advance America complies with all applicable state and federal laws and regulations, including those of the Consumer Financial Protection Bureau. As members of OLA, we adhere to all industry best practices to provide the most beneficial, responsible personal loan services.

With Advance America, you can be confident that all the information you submit on your application is sent through a secure server and kept in a protected database. One way to verify a website’s security is to look for the padlock icon in the URL address bar, which tells you the site is secure and encrypted.

For more details, please view our Privacy Policy and Security Information.

No, applying for a Cash Advance with Advance America does not impact your FICO or Vantage scores.

We follow all federal and state laws, so the ability to refinance short-term loans depends on your state’s regulations. To learn whether you can refinance your Cash Advance, please call us at (844) 562-6480 or contact your local Advance America store.

Past-due payments may impact your ability to take out future loans with Advance America or other lenders. We’re committed to the fair and lawful collection of past-due accounts and can work with you to establish payment arrangements.

If you anticipate being unable to repay your Cash Advance on time, please get in touch with your local store or call us at (844) 562-6480.

Advance America considers customers with all types of credit. For our Installment Loans, we will review third-party data sources to verify your eligibility.

Installment Loan payments will be automatically withdrawn from your bank account on the due date. Cash payments are also accepted in person at any Advance America location.

Depending on your state and loan terms, your repayments can range from 3 to 36 months.

Past-due payments may impact your ability to take out future loans with Advance America or other lenders. We're committed to the fair and lawful collection of past-due accounts and can work with you to establish payment arrangements.

If you anticipate being unable to repay your Installment Loan on time, please get in touch with your local store or call us at (844) 562-6480.

When the unexpected happens, a Line of Credit can provide the money you need to handle it. Apply once and receive a set credit limit. The money is there to draw on all at once or in multiple draws. As long as your account is in good standing and you haven’t hit your borrowing limit, you can withdraw funds as needed.

Rates and terms will vary depending on your approved borrowing limit and state regulations. For more information, see if our Flex Line of Credit is available in your state.

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 through your online account or at your local Advance America.

Our Flex Line of Credit gives you the flexibility you need allowing you to postpone a payment interest-free.*

*Subject to eligibility restrictions.

Online Loans are safe as long as you work with a reputable lender. Before applying for any loan online, ensure the lender is well established, has mostly positive reviews, and uses a secure website. You can verify website security by looking for the padlock icon in the URL address bar.

Advance America has over 25+ years of experience and countless positive reviews on Google and Trustpilot. Any information you submit for your Online Loan is sent through our secure server and kept in an encrypted database. For more details, see our Privacy Policy.

Information about your credit is needed to get an Online Loan. As part of the online application process, Advance America will review your credit history, but this will not impact your FICO or Vantage scores.

Past-due payments may impact your ability to take out future loans with Advance America or other lenders. We’re committed to the fair and lawful collection of past-due accounts and can work with you to establish payment arrangements.

If you anticipate being unable to repay your Online Loan on time, please get in touch with your local store or call us at (844) 562-6480.

To apply for an online loan, simply click the Apply Now button to get started and the process is done completely online. Just submit your application, and you’ll receive a loan decision right away. If approved, you select your loan amount and electronically sign your documents. Then, the loan is directly deposited into your bank account no later than the next banking day. When payments are due, the agreed upon amounts are electronically deducted from your bank account.

To apply, you must:

• Have an active checking account
• Have a steady source of income
• Have a Social Security Number
• Have a valid and active email address
• Must be at least 18 years of age (Alabama residents must be at least 19 or 18 and married)

For online loans, payments are automatically scheduled to be withdrawn from your checking account on the due date. You can also make a payment anytime by logging in to your online account and select Make a Payment. Or, you can make a payment over the phone by calling (844)562-6480 or connect with us through chat.

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.

1. Stage & Pay: Start your transfer on the WU app or online, select "Pay In Store” and pay in cash at an Advance America location. Click here to get started. 
2. In-person: Start and complete transaction at an Advance America store. 
3. Online: Start and complete the transaction and pay online with a debit or credit card. Click here to get started. 

• Your form of payment in-store is cash only.

• Your receiver's name as it appears on his or her government-issued ID.

• Your receiver's city/province/state and country.

• Your own government-issued ID.

Yes, money transfers sent from an Advance America® store can be picked up at any Western Union® agent around the world, including at another Advance America® store.

The receive limit is $3,000.  We will provide up to $300 in cash and the remaining amount in money orders in increments of $500.

You will need the tracking number (MTCN) provided by your sender. Bring your government-issued ID as well as your phone number. This must match what was submitted by the sender.

Yes, you can track your money using your MTCN from your receipt and entering it on “Track transfer” page. If you’re sending a cash payment, you can also call your local Advance America store.

There are four types of Emergency Loans available from Advance America. The list of these loan types and how they work is highlighted below. Be mindful that the type of loan, loan amount and repayment terms can vary based on your state.

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Advance America will work with you to arrange payments for your Emergency Loan. Past due accounts are collected in a professional, fair, and lawful manner. If you know you won’t be able to make your payment on time, please contact Customer Care or your local store.

Surprises are nice, but not when you're borrowing money. Explore our rates before you even apply

Personal Loans are safe as long as you work with a reputable lender. Before applying for any loan online, ensure the lender is well established, has mostly positive reviews, and uses a secure website. You can verify website security by looking for the padlock icon in the URL address bar.

Advance America has over 25 years of experience and countless positive reviews on Google and Trustpilot. Any information you submit for your Personal Loan application is sent through our secure server and kept in an encrypted database. For more details, see our Privacy Policy.

Personal Loans with Advance America may require collateral. We offer unsecured and secured loans. Secured loans require the borrower to provide collateral.  Unsecured loans, like, Payday Loans, Installment Loans, and Lines of Credit, do not require collateral. The type of loan available varies by state. Click on the “Learn More” button below to find out what is available in your state.

Yes. You can pay off your Line of Credit balance through your online account or at any Advance America store. No prepayment penalties apply, and you may even save on interest and fees.

You don't need a certain credit score to qualify for an Advance America Personal Loan. When reviewing your application, we consider factors in addition to your credit, such as your income and employment status. This means you could still qualify for a Personal Loan with fair, poor, or no credit.

We approve borrowers with all types of credit histories, and we consider additional factors like your income and employment status when making an approval decision. Regardless of your credit score, you may still qualify for an Emergency Loan with Advance America.

Borrowers can get an Emergency Loan without an established credit history. Since many lenders like Advance America consider factors in addition to your credit score, you can still receive the funds you need with no credit.

It’s easy to apply for an Emergency Loan from Advance America. Once you’ve chosen which loan is right for your financial situation, you can fill out an online or in-store application in just a few minutes. Provide any personal and financial details needed, including your government-issued ID, proof of income, and bank account number. Once you submit your application, you can get approved for an Emergency Loan in minutes and receive the funds you need as soon as that same day!

Yes, you can apply for an Advance America Emergency Loan from the comfort of home or on the go. Simply fill out an online application and you'll receive an approval decision quickly.

The repayment plan for your Emergency Loan depends on the type of loan you’re borrowing.

• Payday Loan: Due in full when you get your next paycheck, which is usually within two to four weeks.
• Installment Loan: Due on your fixed installment date every month until the loan is repaid, which can take anywhere from three to 36 months.
• Title Loan: Terms vary by state, but most are paid monthly in accordance with your payment schedule.
• Line of Credit: Due on your specified payment date for as long as you have drawn funds.

In most cases, payments are set up as automatic withdrawals from your checking account. Advance America offers online and in-person payment options that can vary by state.

Absolutely! Same-day funds* may sound too good to be true, but we understand that when you need money, you need it fast. That's why we offer a simplified application process and instant approval decisions – not to mention friendly, knowledgeable staff who are always happy to help.

You don’t need good credit to qualify for an Online Loan. When reviewing your application, Advance America considers factors in addition to your credit, such as your income, employment status, and current debt.

Loan approvals are never guaranteed. While we work with borrowers in all credit situations, certain requirements still apply. Visit your state’s page to learn more.

We use third-party data sources to determine your eligibility for a Payday Loan. This process does not affect your FICO credit score, and you may still qualify for a loan with bad credit.

Advance America will work with you to establish Payday Loan 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.

Advance America follows all federal and state laws. As such, your ability to refinance your Payday Loan depends on your state’s regulations. For more information, please contact the store that originated your loan or call us at (844) 562-6480.

If you’re having trouble paying back your Payday Loan, please call us at (844) 562-6180 or stop by your local store to discuss payment options.

Yes, you can pay off your Cash Advance before the due date without facing any prepayment penalties. Log in to your online account or contact Customer Care to make a payment or pay off your loan.

Advance America will work with you to arrange payments for your Emergency Loan. Past due accounts are collected in a professional, fair, and lawful manner. If you know you won't be able to make your payment on time, please contact Customer Care or your local store.

Thanks to our simple application and quick approval process, it's easy to get an Emergency Loan from Advance America.

As a direct lender for our Payday Loans, Installment Loans, and Lines of Credit, so our approved loans are typically funded by no later than the next business day.

Title loans offered through LoanCenter require an additional step: you will need to bring your vehicle to a nearby location to have it inspected appraised.

Advance America offers both secured and unsecured Personal Loans.

Our Payday Loans, Installment Loans, and Lines of Credit are unsecured. The Title Loans we offer through LoanCenter are secured because they require collateral in the form of your vehicle's title.

Advance America offers both secured and unsecured Personal Loans.

Our Payday Loans, Installment Loans, and Lines of Credit are unsecured. The Title Loans we offer through LoanCenter are secured because they require collateral in the form of your vehicle's title.

Thanks to our simple application and quick approval process, it's easy to get an Emergency Loan from Advance America.

As a direct lender for our Payday Loans, Installment Loans, and Lines of Credit, so our approved loans are typically funded by no later than the next business day.

Title loans offered through LoanCenter require an additional step: you will need to bring your vehicle to a nearby location to have it inspected appraised.

Advance America will work with you to arrange payments for your Emergency Loan. Past due accounts are collected in a professional, fair, and lawful manner. If you know you won't be able to make your payment on time, please contact Customer Care or your local store.

Yes, you can pay off your Cash Advance before the due date without facing any prepayment penalties. Log in to your online account or contact Customer Care to make a payment or pay off your loan.

The maximum amount you can borrow with a Line of Credit is based on your income as well as state laws and regulations. Depending on your state, you may be able to qualify for a credit line up to $3,000. You do not need perfect credit to qualify.

Loan approvals are never guaranteed. While we work with borrowers in all credit situations, certain requirements still apply. Visit your state’s page to learn more.

We use third-party data sources to determine your eligibility for a Payday Loan. This process does not affect your FICO credit score, and you may still qualify for a loan with bad credit.

Advance America will work with you to establish Payday Loan 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.

Advance America follows all federal and state laws. As such, your ability to refinance your Payday Loan depends on your state’s regulations. For more information, please contact the store that originated your loan or call us at (844) 562-6480.

If you’re having trouble paying back your Payday Loan, please call us at (844) 562-6180 or stop by your local store to discuss payment options.

You don’t need good credit to qualify for an Online Loan. When reviewing your application, Advance America considers factors in addition to your credit, such as your income, employment status, and current debt.

Absolutely! Same-day funds* may sound too good to be true, but we understand that when you need money, you need it fast. That's why we offer a simplified application process and instant approval decisions – not to mention friendly, knowledgeable staff who are always happy to help.

Advance America offers loans online in various states.

Minimum loan amounts vary by state and loan type. Depending on where you live, you might be able to borrow a $100 cash advance. If you open a line of credit, your first withdrawal might be as little as $50.

Our online instant loans give you access to funds for unexpected expenses or financial emergencies. For example, you might use a payday advance to avoid late fees on a utility bill or credit card payment. Installment loan proceeds might go toward an emergency medical expense or car repair. Your financial situation is unique, so use the money for whatever you need.

We’ll set up a payment schedule based on the loan agreement for your particular type of loan. You can then log into your Advance America account to make payments, manage automatic payments, or update your payment method. You can also make a cash payment at one of our store locations.

Yes, you can apply for an Advance America loan in retirement if you have a steady source of retirement income. For example, Social Security benefits and pension payments count as income.

No, applying for an instant loan with Advance America does not impact your FICO or Vantage scores.

Create your online account here.

How it works:

1. Link your In-store Account: Enter a few pieces of contact information so that we can link your in-store loan details.
2. Create password: Choose the password that you’ll use to login to your online account each time.
3. Authentication: To secure your login, you’ll select a multi-factor authentication method such as SMS, Voice Call or Google Authenticator.
4. Login: After completing the authentication, you can login into your online account.

By doing this, you'll be able to view details related to your existing loan, make payments or apply for a new loan.

Yes, you can access your account online to view loan details, make payments online, or apply online.

Our website is back online. You can now access your account, make payments online, or apply online.

• If you are new to Advance America, apply here.
• If you are an existing customer with an online account, log in to apply.
• If you are an existing customer without an online account, create your online account to apply for a new loan.

Yes, you can apply for a loan in your online account.

• If you are new to Advance America, apply here.
• If you are an existing customer with an online account, log in to apply.
• If you are an existing customer without an online account, create your online account to apply.

Yes, you can make payments in your online account or by calling 844-562-6480.

The fee is an extra cost you'll be charged to borrow money. Typically, our fee is about $15 for every $100 you borrow.

Keep in mind that fees can vary according to state regulations.

The repayment plan for your Emergency Loan depends on the type of loan you’re borrowing.

• Payday Loan: Due in full when you get your next paycheck, which is usually within two to four weeks.
• Installment Loan: Due on your fixed installment date every month until the loan is repaid, which can take anywhere from three to 36 months.
• Title Loan: Terms vary by state, but most are paid monthly in accordance with your payment schedule.
• Line of Credit: Due on your specified payment date for as long as you have drawn funds.

In most cases, payments are set up as automatic withdrawals from your checking account. Advance America offers online and in-person payment options that can vary by state.

Yes, you can apply for an Advance America Emergency Loan from the comfort of home or on the go. Simply fill out an online application and you'll receive an approval decision quickly.

It’s easy to apply for an Emergency Loan from Advance America. Once you’ve chosen which loan is right for your financial situation, you can fill out an online or in-store application in just a few minutes. Provide any personal and financial details needed, including your government-issued ID, proof of income, and bank account number. Once you submit your application, you can get approved for an Emergency Loan in minutes and receive the funds you need as soon as that same day!

Borrowers can get an Emergency Loan without an established credit history. Since many lenders like Advance America consider factors in addition to your credit score, you can still receive the funds you need with no credit.

We approve borrowers with all types of credit histories, and we consider additional factors like your income and employment status when making an approval decision. Regardless of your credit score, you may still qualify for an Emergency Loan with Advance America.

You can receive the funds you need from a Title Loan as soon as the same day you apply. Once you fill out an application and get your car appraised at an Advance America location, you’ll get the loan right away if approved.

To receive an Advance America Title Loan, you need to own your vehicle outright. You’ll also need to provide items including your vehicle’s title, your government-issued ID, and proof of residence. Keep in mind that additional information, such as proof of income, may be required in some states.

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

Revolving lines of credit are flexible loans that you can borrow from again and again, as long as you stay within your specified credit limit. This type of loan is good for things like emergencies or unexpected expenses, since you can easily borrow the money you need without having to go through the hassle of applying for a new loan every time.

You don't need a certain credit score to qualify for an Advance America Personal Loan. When reviewing your application, we consider factors in addition to your credit, such as your income and employment status. This means you could still qualify for a Personal Loan with fair, poor, or no credit.

You can use a personal loan from Advance America for any emergency and essential expenses, including:

• Medical bills
• Car repair
• Home repair or renovation
• Groceries
• Rent
• Debt consolidation

To apply for a personal loan from Advance America, you’ll need to fill out an application online or in store. Provide all personal and financial details required, including your government issued ID, proof of income, and bank account information. We offer an instant approval decision, so you may be approved to get the funds you need within minutes.

Here are the steps borrowers can take to get approved for an online loan from Advance America:

1. Gather all necessary documents: Once you’ve found an online loan with rates and terms that work for you, collect all documents you’ll need to apply. Advance America will require you to provide information like a government issued ID, bank account number, and Social Security Number.
2. Fill out an application: Fill out your online Advance America loan application from the comfort of home, providing all necessary personal and financial details.
3. Submit your application: After you’ve double-checked to make sure all information on your application is accurate, you can submit the application and wait for approval. We offer an instant approval decision, so borrowers don’t have to wait long to see whether they can get the funds they need.
4. Receive your funds: If approved for an Advance America loan, you can get your funds as soon as the same day you applied.

Online loans are legit as long as you work with a safe and reputable lender. Before applying for an online loan, ensure the lender has a good online review. Advance America, for instance, has countless positive reviews on Google and TrustPilot.

Yes. You can pay off your Line of Credit balance through your online account or at any Advance America store. No prepayment penalties apply, and you may even save on interest and fees.

Advance America will work with you to arrange payments for your Personal Loan. We're committed to collecting past due accounts in a professional, fair and lawful manner. If you are unable to make your payment on time, please contact us at your local store or our toll free number (844) 562–6480.

Advance America makes it convenient to make payments on your loan. You can visit one of our stores to pay in-person or use our online payment options (varies by state). Please contact us at your local store or our toll free number (844) 562-6480.

Personal Loans with Advance America may require collateral. We offer unsecured and secured loans. Secured loans require the borrower to provide collateral.  Unsecured loans, like, Payday Loans, Installment Loans, and Lines of Credit, do not require collateral. The type of loan available varies by state. Click on the “Learn More” button below to find out what is available in your state.

Surprises are nice, but not when you're borrowing money. Explore our rates before you even apply

Personal Loans are safe as long as you work with a reputable lender. Before applying for any loan online, ensure the lender is well established, has mostly positive reviews, and uses a secure website. You can verify website security by looking for the padlock icon in the URL address bar.

Advance America has over 25 years of experience and countless positive reviews on Google and Trustpilot. Any information you submit for your Personal Loan application is sent through our secure server and kept in an encrypted database. For more details, see our Privacy Policy.

Personal Loans with Advance America provide money same-day* with a fast, seamless application process and instant approval decisions. All credit scores can apply. We provide 5-star customer service and keep your information private and secure. Plus, Advance America is a trusted lender serving millions of customers since 1997.

The amount of money you can borrow with a Personal Loan is regulated by state law and will depend on your income, employment status, and other qualifying factors. Enter your location to view loan amounts and fees in your state.

Advance America will work with you to arrange payments for your Emergency Loan. Past due accounts are collected in a professional, fair, and lawful manner. If you know you won’t be able to make your payment on time, please contact Customer Care or your local store.

There are four types of Emergency Loans available from Advance America. The list of these loan types and how they work is highlighted below. Be mindful that the type of loan, loan amount and repayment terms can vary based on your state.

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You may need quick cash for a variety of emergency situations. Many of our customers use Advance America loans for:

• Medical Bills & Expenses - Unexpected illnesses or hospital visits that are not covered by your insurance may require a quick jolt of cash to get you and your family back to full health.
• Home Repairs & Renovations - A washer/dryer or refrigerator replacement, a leaky roof, or a busted boiler may mean that you need an immediate fix that goes beyond your budget.
• Auto & Car - Repairs A breakdown of your car could mean additional days of lost work — so accelerate getting back on the road with a quick loan.
• Rent Payment - When an emergency or crisis prevents you from being able to afford an upcoming rent payment, emergency loans can help you prevent late fees and credit damage from a missed payment.
• Travel Expenses - A sudden trip may arise that demands your presence: a fast loan can cover your hotel stay or plane flight to get you there.
• Lost Valuables - When your computer or laptop is stolen or misplaced, an immediate replacement may mean the difference between returning to work and staying home.
• Pet Care - Expense While we love our pets, we don’t always love the veterinarian costs when our pets fall ill or have an accident. Use an emergency loan to take care of the bill.
• Funeral Costs - The worst-possible scenario means being there to support your loved ones, even when your bank account isn’t prepared.
• Tax Bills - When a change in the tax code trickles down to your paycheck, it can be a budget buster. Keep the IRS at bay with an emergency loan.
• Identity Theft & Fraud - If your credit cards or bank accounts are frozen by fraud, a loan can keep you moving until the problem is resolved.

You will set up multi-factor authentication as you create your online account username and password in the application. For existing online customers, you’ll be asked to set up your authentication method upon your initial login.

You can reset your password by clicking “Forgot Password” on the login page

The WU® loyalty rewards program let's you earn points when sending qualifying transfers and receive exclusive promotions and offers.

When you create your Western Union profile, you are automatically assigned a My WU number during the registration process. You can also register in person at an Advance America store. Your My WU number will be printed at the top of your receipt. 

When sending money from an Advance America store, choose Bank account deposit as the money delivery option.

You’ll need:

• Within the US: Bank name, account name, account number and routing number
• Outside the US: One or all of the following may be required: Branch name, bank, or branch code; Account number or International Bank Account Number (IBAN); Routing number, International Bank Identifier Code (BIC), swift BIC or Indian Financial System Code (IFSC)

To cancel in person-initiated money transfers:

1. Please visit the same Advance America store where you made your transfer or any branch of the same agent.
2. Remember to bring your government-issued ID to the agent location.
3. You can also contact Customer Care to cancel your transfer.

Depending on the delivery and payment methods you choose, money can be picked up in minutes* or within a few working days.

Money Transfer delivery timelines are based on service type:

• Money in Minutes service for pick up at an Advance America – generally delivered within minutes*.
• Next Day service for pick up at an Agent location is generally available the next day*.
• Direct to Bank deposit typically takes between 2 to 5 business days, but could vary, depending on country.
• Bill Payment may vary depending on the selected speed of delivery or the biller.

To see if a money transfer is available for pickup, click Track transfer.

This depends on the money transfer delivery you choose and the destination country. You must be at least 18 years old to send or receive money with Western Union.

Your receiver will need the following for cash pick up at an Advance America location:

• Tracking number (MTCN)
• Sender’s complete name
• Sender’s country and state/city/province may be required
• Expected amount
• Government-issued ID
• In some receiving countries, a security question may be required

An Advance America representative can check if the Biller accepts payment from Western Union. Click here to find an Advance America store near you.

Yes, you can track the money transfer as it is processed through Western Union by going to Track a Transfer. 

Ask an Advance America employee for the To Send Money Form (TSMF) for Bill Payments service. 

You will need:

• Company Name (or Code City)
• Account Number
• Amount

You can also start on the Western Union app, fill out the information requested, and finish at an Advance America location.

Send payments directly to participating billers in the United States for your mortgage, auto, credit card, insurance, utility, government bills, and more with Western Union's Bill Payments service at Advance America.

Sending money to an inmate is simple. Bring the transfer amount to an Advance America store and provide the following information.

• Correctional facility name
• Receiver's first and last name
• Inmate’s ID number

Yes, you can track your money using your MTCN from your receipt and entering it on “Track transfer” page. If you’re sending a cash payment, you can also call your local Advance America store.

You will need the tracking number (MTCN) provided by your sender. Bring your government-issued ID as well as your phone number. This must match what was submitted by the sender.

The receive limit is $3,000.  We will provide up to $300 in cash and the remaining amount in money orders in increments of $500.

Yes, money transfers sent from an Advance America® store can be picked up at any Western Union® agent around the world, including at another Advance America® store.

• Your form of payment in-store is cash only.

• Your receiver's name as it appears on his or her government-issued ID.

• Your receiver's city/province/state and country.

• Your own government-issued ID.

1. Stage & Pay: Start your transfer on the WU app or online, select "Pay In Store” and pay in cash at an Advance America location. Click here to get started. 
2. In-person: Start and complete transaction at an Advance America store. 
3. Online: Start and complete the transaction and pay online with a debit or credit card. Click here to get started. 

You can apply for a loan in just minutes with our secure online application. Start your application. You can apply for a loan in just minutes with our secure online application. Start your application.

Online loans are available in many states. In some states, you can start your application online and finish in a store. Start your application or see what’s available in your state.

We are committed to working with you. If you need assistance with an existing loan, please reach out to your local store or our Customer Care Team at (844) 562-6480.

A Cash Advance (or Payday Loan) is a short-term, small-dollar loan, often used to cover unexpected expenses or just get a little extra money before your next paycheck. A Cash Advance is a personal loan that provides an alternative to bouncing checks. Cash Advances are used to cover short-term financial situations — they are not a long-term financial solution.

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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 is regulated by state and federal laws. Depending on your state's laws, there may be specific guidelines regarding the use of a Payday Loan. You can view options available in your location here.

A Line of Credit is an open-ended way to get an instant cash advance when you need it. Take out a little or a lot, pay it back over time, then tap into the funds again.

• Open your line with one simple application.
• Take what you need. Receive funds the next day (or sooner).
• Pay with your pay cycle. Minimum payments are due on your outstanding advance amounts on your pay dates.
• Tap back in. As you pay it down, funds become available again. 

One application gives you ongoing access. No more reapplying!

In select states, Advance America gives you access to online loan services, online Payday Loans, online Installment Loans or Line of Credit.

A Cash Advance (or Payday Loan) is a short-term, small-dollar loan that you can use to cover unexpected expenses or bridge a temporary gap between paychecks. A Cash Advance is a financial solution that provides an alternative to bouncing checks or paying late fees. Cash Advances are used to cover short-term financial situations; not a long-term financial solution.

An Installment Loan typically offers larger loan amounts, and allows you to repay the loan over a longer period of time.

A Line of Credit provides convenient, personal access to money when you need it. Apply just once, and receive approval up to a specific credit limit. Then, withdraw money as you need it up to your approved amount. You only pay interest on the money you withdraw, and the rest remains available if needed.

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

An in-store Cash Advance/Payday Loan allows you to visit one of our stores and receive your money in person. The entire process typically takes about 15 minutes, and you could get the money you need on-the-spot. An online Payday Loan gives you the convenience of processing your loan completely online without the need to visit a store. Simply submit an online loan application, and if approved, the funds from this personal loan are deposited directly into your bank account, as soon as the same day.*

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

If you’re applying in-store, you’ll need:

Government issued photo ID, proof of open and active checking account (statement), most recent proof of income (check stub, award letter or direct deposit), and verification of SSN. Depending on state, a check may be required.

If you’re applying online, you’ll need:

• Valid Social Security Number

• Have a valid and active email address

• Active Checking Account

• Source of Income

Yes, Advance America follows all applicable laws and regulations at both state and federal levels, including the Consumer Financial Protection Bureau. We’re also members of OLA, so we follow all industry Best Practices where applicable to provide the most beneficial, responsible personal loan services.

For over 25 years, millions of hard-working Americas have trusted Advance America to provide flexible and personalized financial solutions to meet their needs. In fact, our customers rate us excellent, 5 out of 5. View reviews here.

We understand that financial solutions aren’t one-size-fits-all, so we provide a variety of services to meet customers’ needs. We have over 800 stores across the country, with a friendly and knowledgeable staff ready to talk through your options so you can be comfortable about your choice.

And as the nation's largest Payday Loan Company, we recognize the significant responsibility of following all applicable federal and state laws and presenting agreements and fees that are clear and easy to understand. We’re also proud to be a founding member of the Community Financial Services Association of America.

Advance America is regulated by state and federal laws. Depending on your state's laws, there may be specific guidelines regarding the use of a Payday Loan. You can view options available in your state here.

The application process at Advance America is efficient and simple and only takes 10-15 minutes. Below is a summary of our quick process:

• Choose an in-store or online loan, where available.

• Fill out quick application

• Get an approval decision in minutes. Get money same day*.

• Pay it back in a single payment on your loan due date.

• Loans are typically due on your next payday. However, the exact timing depends on your pay schedule and state regulations.

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

The fees are specific to your state or store, and can be viewed here. 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 from banks and credit unions.

To qualify for a loan, you must provide personal identification, proof of income, a bank statement and a personal check. In many states you can provide a debit card or ACH authorization if you do not have a personal check. No personal property is required to get a Cash Advance. To view more details on what to bring to an Advance America store in your area, click here and enter your zip code.

Advance America abides by OLA Best Practices and state laws, where applicable, 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 store, give us a call, or visit us online and enter your location to see which specific rescission policies apply to you.

All credit levels can apply for a Payday Loan with Advance America. An established credit history is one of many factors considered when Advance America reviews a Payday Loan application.

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.

Cash Advances are highly regulated on the state and federal level to protect both our company and the consumer. Laws and regulations include:

• State Regulations: The Cash Advance industry is highly regulated by state officials across the country. State laws typically limit the principal amount on an advance; set maximum fees; limit a customer's ability to renew an advance; and require various disclosures. And, most states require that a customer have the right to rescind the transaction before the end of the next business day.
• Federal Regulation: A number of federal laws and agencies regulate our business and help protect our customers, including the Consumer Financial Protection Bureau (CFPB).
• Federal Truth in Lending Act (TILA): This law requires lenders to clearly define key terms of consumer lending agreements and fully disclose all associated fees and charges, ensuring that consumers are able to compare the costs of all credit options.
• Fair Debt Collection Practices Act (FDCPA): Advance America only contracts with collection agencies that use legal, professional and non-aggressive collection practices.
• Fair Credit Reporting Act (FCRA): We adhere to strict policies that regulate the collection, dissemination, and use of consumer information, including consumer credit information.
• Equal Credit Opportunity Act (ECOA): We do not discriminate based on race, color, religion, national origin, sex, marital status, age, or because someone receives public assistance.
• Gramm-Leach Bliley Act (GLB Act): The GLB Act is designed to protect consumers’ personal financial information held by financial institutions, which means we will not share yours or other customers’ personal information.
• John Warner National Defense Authorization Act limits the total charges on certain loans to a 36 percent Military Annual Percentage Rate. As a result, we do not offer loans to military personnel.
• Industry Regulations: Advance America is a member of OLA, Online Lenders Alliance.  OLA's mission is to ensure all members adhere to industry Best Practices.  

Depending on your loan type and state, a Cash Advance charges a flat fee and does not have interest accruing fees. The typical fee for a Cash Advance is $15 per $100 borrowed — a set price for a short-term transaction. This makes a Cash Advance often less expensive than bouncing a check, missing a credit card payment or neglecting a bill.

The Federal Truth in Lending Act (TILA) requires all financial institutions to disclose loan fees as Annual Percentage Rates (APR). To comply with TILA, Advance America reports the implied APR of a cash advance — the amount you would pay if you renewed your advance every two weeks for a full year. However, the average loan term is only two to four weeks. APR is a more appropriate measure of costs associated with loans that last for at least a year, such as a mortgage loan or a car loan. However, even using APR as a measure of the cost of various options for short-term loans, Payday Loans and Cash Advances are still the least costly option compared to bank overdraft, bounced check, late payment and utility reconnection fees.

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Payday advance fee vs alternatives

Sources: CFSAA.com; Stephens, Inc. 2011; Moebs Services 2010 Fee Revenue Study; Bankrate.com; Readex Research National Data on Short-Term Credit Alternatives 2006; Moebs Services 2010 Financial Pricing Survey

Some of our critics have proposed capping interest rates for Payday Loans or a Cash Advance, but doing so would greatly impede our ability to operate. If we charged lower fees, we would not generate enough income to pay for basic business expenses, such as rent, utilities and wages. If we were to charge an APR of 36 percent, as some of our critics have suggested, that would mean customers pay a fee of $1.38 per $100 borrowed. No business — not a credit union, not a bank — can lend money for 10 cents a day for a two-week loan term without being subsidized. Such rate-cap models overlook the significant cost of operating a regulated business, and would be an effective ban on Cash Advances. Our customers recognize that the price of the one-time fee is appropriate for a short-term loan, relative to other options.

Most banks do not provide small-dollar, short-term loans that our customers need. The average amount of a Cash Advance and Payday Loan is about $350, an amount significantly lower than what a bank will loan. Some banks and credit unions have begun to offer products they promote as "alternatives" to Cash Advances, but these options are not broadly available and involve a variety of restrictions and complex fee structures. And in some cases, though our customers all have a bank or credit union account, they may choose not to obtain credit from these institutions because of a negative past experience, such as encountering hidden fees. We support a competitive market and encourage our customers to weigh all of their options before choosing our service. Cash Advances are not for everyone, but our customers make informed decisions, and choose Advance America because they appreciate the simplicity, reliability and transparency of our Cash Advance services.

The "cycle of debt" catchphrase is our opponents' attempt to portray our industry as taking advantage of people. Our stores and service representatives work to prevent this by making Payday Loans and Cash Advances that match, but do not exceed, customer’s needs. It hurts the company, and the customer, when a loan is not repaid.

If a customer is unable to pay back an advance within the arranged timeframe, Advance America works with him or her to find the best way to deal with their individual situation and to repay the personal loan in full. For example, our stores offer an Extended Payment Plan — where available under state law — that allows customers a longer time period to repay at no additional charge. In fact, about 90 percent of our customers repay their advances when due and 95 percent are ultimately paid off.

Additionally, we have a high customer satisfaction rating indicating our customers need our services and are happy with their experience.

Our customers are hardworking individuals — including teachers, nurses, bus drivers and first responders — who make a positive contribution to their community. All customers must have a steady source of income and a checking account to receive a Cash Advance.

According to customer surveys, 92% of customers think Cash Advance lenders offer a valuable service and 90% are satisfied with their understanding of the terms and costs of Cash Advances.

Understanding the differences between Payday Loans and Installment Loans can help you decide the best fit for you. A Payday Loan or Cash Advance is a short-term personal loan where you pay a one-time fee based on the amount borrowed. Payday Loans are ideal as short-term solutions to money needs in between paychecks, or to handle emergency expenses.

In-Store or Online Installment Loans are typically larger loans that are paid back over time. These types of loans can give you more money at one time, and allow you to repay the money over a longer period of time. These are ideal for customers who prefer to pay back in increments as time goes on.

To get a Title Loan, you give Advance America the title to your vehicle as collateral in exchange for a loan. You keep your car and can continue driving while you pay back the loan. Applying is easy. Simply bring your car and car title to an Advance America store that offers Title Loans. An employee will inspect your vehicle in minutes, and provide a loan amount comparable to the vehicle value. Then, agree to the terms and scheduled payments, leave with the money you need, and repay your loan on scheduled due dates.

Even with a poor credit history or previous bankruptcy filing, you still may be eligible to receive a Title Loan with Advance America.

No, a Title Loan is secured by using the title of the vehicle as collateral. Depending on your state, Advance America may be able to pay off existing Title Loans. Contact our knowledgeable staff for more information.

Once approved, you will have the option to select an initial amount of money from your Line of Credit. As long as your account is in good standing and there is available credit in your account, you can simply log into your online account portal to request more money. You also have the option of going to your nearest Advance America store.

Even with a poor credit history or previous bankruptcy filing, you still may be eligible to receive a Line of Credit with Advance America.

If you are an in-store customer, your money can be withdrawn from your account the same day, shortly after receiving the loan approval. If you are an online customer, the funds will generally be deposited into your bank account on the next banking day or in some states, you can go to an Advance America location to pick up your money the same day.

A Line of Credit application with Advance America may result in a soft credit inquiry with a national credit reporting agency and a hard credit inquiry with specialty credit reporting agency. These inquiries will not impact your FICO credit score.

Online Payday Loans, Installment Loans, online Cash Advance or Line of Credit are processed completely online, so there’s no need to visit a location. Just submit an online application and if approved, the funds from the loan will be deposited directly into your bank account, as soon as the same day*

Your repayment of the loan is electronically deducted from your bank account on your due date(s).

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

In states where online Payday Loans, Installment Loans, online Cash Advance, and Line of Credit are available, simply click the "Apply Now" button and complete the application. Once you’ve submitted your application, you may be eligible for a loan of $100 or more deposited directly into your checking account the same day.*

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

Even with a poor credit history or previous bankruptcy filing, you still may be eligible to receive an Online Loan with Advance America.

Online loans 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 OLA, we follow industry best practices where applicable to provide a more responsible online service. Please note that not all online loan providers always provide these same levels of safeguards, so be sure to use a reputable company for access to online Cash Advances, Installment and Line of Credit Loans.

When you need money, online Cash Advance, Installment Loans, and Line of Credit Loans through Advance America are simple, quick, and provide the convenience of applying the privacy of your home in as little as 10 minutes, you may be eligible to have funds directly deposited into your checking account the same day.*

There are so many reasons to feel confident about turning to Advance America:

• We‘re a state-licensed company which means we follow all applicable state and federal laws.

• All rates, terms and fees are explicitly outlined in the agreement with no unexpected charges or no hidden costs when borrowing.

• We use simple, straight-forward language to ensure our fees and payment terms are clearly understood, so you know exactly what and how you’re paying.

• We‘re committed to providing a safe, secure and private transaction.

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

You must meet the following requirements to be eligible to receive a loan or Credit Services:

• Have an active checking account with your income direct deposited

• Have a steady source of income

• Have a Social Security Number and valid and active email address

• Must be at least 18 years of age (Alabama residents must be at least 19 or 18 and married)

Due to state and verification requirements, some customers may be required to submit additional documentation. If you have defaulted on past transactions, this may affect the amount you receive for future loans or could possibly result in being declined for a loan.

As part of the online application process, Advance America will review your credit history, but this will not impact your FICO or Vantage scores.

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.

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

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.

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.

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

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

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.

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.

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

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.

Absolutely. With Advance America, you can be certain that all the information you submit for your personal loans and payday loans, title loans and installment loans are sent through a secure server, and kept in a secure database. One way for you to verify our website’s security is to look for the padlock in the URL address.  This signifies that your information on this website is encrypted. For more details, see our Privacy Policy.

Advance America, along with many other lenders, has been targeted by unknown scammer groups. These scammers are attempting to offer consumers payday loans or a cash advance on our company's behalf by going through the internet, email, and making telephone calls. Scammers can be very convincing, especially when they use threats and intimidation, or appear to have access to personal information. They use the reputation of a legitimate, respected business, along with dire threats, to get what they want from victims. We want to inform you that these actions are not being made by Advance America or anyone affiliated with the company. We value our customers and are working directly with authorities to stop these scammers. 

You should suspect that a personal loan offer is fraudulent if:

The individual claims that you have been pre-approved for a cash advance, for payday loans, or any type of personal loan and then requires you to purchase a prepaid debit card or wire money as a “processing fee” or “good faith deposit”. Legitimate lenders do not require good faith deposits.

The individual requests that you send money up front via a wire transfer or money card such as Green Dot cards. With legitimate loan offers including payday loans, you should not have to give money in order to get money.

The individual requests to get your personal or financial information. You should always be cautious when volunteering any personal or financial information over the phone or internet. Never provide payment information that you did not initiate. If you are uncomfortable with a phone call that was not initiated by you, hang up or ask for the purpose of the call. Then contact the company using legitimate sources such as contact phone numbers found on the company’s website.

You should be suspicious that a collection is fraudulent if:

The individual threatens violence, intimidation, or uses foul language. The Federal Debt Collection Practices Act specifically prohibits debt collectors from being abusive, unfair, or deceptive in trying to collect debt.

The individual threatens to garnish your wages.

The individual is unable or unwilling to provide loan agreement information or payment history when you ask for it. Loan providers are required to provide all loan agreement information or payment history when you ask for it. This includes but is not limited to a cash advance, payday loans, installment loans, title loans, or any online loan.

If you suspect you’re being contacted by a financial scammer claiming to represent Advance America contact the Federal Trade Commission and file a complaint.

Report it to local law enforcement.

Contact Advance America at 1-844-562-6480.

When it comes to keeping your personal and financial information safe, it’s important to be proactive. Follow these tips to help protect yourself from fraud and identity theft:

• Never give personal information such as your Social Security Number or bank account information online or over the phone without verifying that you are working with a legitimate lender or bill collector. To verify, call the establishment back using a known number, such as the number listed on your statement or on the back of your credit/debit card.

• Always be suspicious of any email with urgent requests for personal financial information. If an email demands immediate action or makes upsetting or exciting false statements, it’s likely a scam.

• Verify company licenses when applying for a loan online. Legitimate lenders will display state licenses on their websites to verify that they are full-service, licensed lenders complying with state and federal laws.

• Never wire money or provide prepaid debit card information to a lender claiming you have been pre-approved for a loan and must make an initial payment as a “show of good faith”.

• Keep anti-virus, anti-malware, and spam email protection software up to date on all your computing devices.

• Maintain a record of all outstanding debt, and include lender contact information.

• Regularly check your bank, credit and debit card statements to ensure there are no unauthorized transactions.

• If someone approaches you claiming you owe them debt, demand they provide written proof of the debt as the law requires.

• If you suspect you are being scammed, report it to the local law enforcement and to the lender that the scammer claims to represent. Advance America customers can call 1-844-562-6480.

• For more information, please visit The Federal Bureau of Investigation.

We have over 800 locations across the country. Click here to see if there are open positions near you.

You will receive an immediate email confirming your application is received.

If your application meets our initial criteria, you will progress to the next stage of our selection process. You will then be contacted by email or telephone by one of our team members to discuss next steps.

If your application does not meet our initial criteria, you will not be considered further for that specific position. However, your profile is retained in our recruiting database for future job matches, and you are invited to return to www.advanceamerica.jobs to apply.

We make every effort to keep in touch with you through email, so you fully understand your status for the specific position for which you are being considered. It may take up to six weeks to review your application internally.

Absolutely. If you are not ready to apply for a specific position, Connect with us for general consideration. Your resume and profile will be saved in our system and will be available to HR and hiring managers to view.

You can update your profile as often as you like. To update your profile in our Talent Community, simply log in here and select the section that needs to be updated. To update your job application, click here.

There are no limits. However, you can only apply for one position at a time. After applying for your first job, you can return to Advance America’s main job search page and select an additional position to apply, and then repeat the process as necessary.

As long as you are logged in, your subsequent applications will not require you to re-enter your resume or basic contact information, as this information will already be attached to your profile.

Click Application FAQs at the bottom of every portal page.

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.

Please refer to our Temporary and Third-Party Staffing Agency Policy.

Advance America offers competitive Health & Welfare Benefits as well as Work/Life Benefits as part of our total compensation package. For a more in-depth look at benefit offerings, visit https://www.advanceamerica.net/careers Benefits.

Understanding the differences between Payday Loans and Installment Loans can help you decide the best fit for you. A Payday Loan or Cash Advance is a short-term personal loan where you pay a one-time fee based on the amount borrowed. Payday Loans are ideal as short-term solutions to money needs in between paychecks, or to handle emergency expenses.

In-Store or Online Installment Loans are typically larger loans that are paid back over time. These types of loans can give you more money at one time, and allow you to repay the money over a longer period of time. These are ideal for customers who prefer to pay back in increments as time goes on.

Our customers are hardworking individuals — including teachers, nurses, bus drivers and first responders — who make a positive contribution to their community. All customers must have a steady source of income and a checking account to receive a Cash Advance.

According to customer surveys, 92% of customers think Cash Advance lenders offer a valuable service and 90% are satisfied with their understanding of the terms and costs of Cash Advances.

For the best Payday Loans, choose a lender with:

• An easy application process and knowledgeable staff. Whether you’re applying in-store or online, we can help you find the best Payday Loan to meet your needs.
• A secure website. The address bar should display a padlock icon in front of the URL. The symbol indicates that the website is encrypted and secure. Check out our Privacy Policy for more information.
• Transparent fees, rates, and terms. At Advance America, we’re always upfront with your Payday Loan details. Learn more about your state’s loan rates and terms by clicking here.

The difference between an in-store loan and an online loan is simply the way you apply...

First, you can stop by an Advance America store to apply in person. Getting an in-store Payday Loan takes about 15 minutes, and you’ll often receive money immediately.

Second, you can apply for a Payday Loan online through our website. After submitting your online application, you will usually receive money in your bank account the same day you’re approved, or by the next business day if you apply between 10:30 AM- 8PM ET Monday-Friday. Holidays can impact these times.

Learn more about Payday Loan options in your state by clicking here.

Yes. Advance America complies with all state and federal laws and regulations. We’re also members of the Online Lenders Alliance (OLA). This means we follow all industry best practices to provide the most beneficial, responsible personal loan services.

Payday Loan applications at Advance America are reviewed based on a variety of factors, not just credit score. We also consider factors like your employment history and income in our approval decision.

Most states only allow borrowers to have one Payday Loan with Advance America. Click here to learn about the options available in your state.

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.

If you are having difficulty paying back your Payday Loan, you can contact Advance America to arrange payment options.

At Advance America, we understand that when you need money, you need it fast. That’s why we offer a simplified Cash Advance application process, along with a friendly and knowledgeable staff that’s ready to help you every step of the way. So when you choose Advance America, expect great service and money in your hands the same day*.

The maximum amount you can borrow with a Cash Advance is regulated by state law. Your current income will also determine how much you qualify for within that range.

Discover the loan amounts available in your state.

Applying for an online Cash Advance from Advance America is simple, but know that online Cash Advances are only available in certain states. Click here to find out if in store or online Cash Advances are in your state. Then, click Apply Now to get started on your Cash Advance application to start an online application. There are a few simple steps that take only a couple minutes of your time. You can expect to receive your approval notice same day*.

Yes, a Cash Advance is also known as a Payday Loan. Whichever term you prefer, it is a short-term personal loan due in full on your next pay date.

Yes. Unexpected expenses arise suddenly, requiring immediate financial assistance. A Cash Advance from Advance America can be an ideal short-term solution when you need extra money between paychecks.

Depending on the loan options available in your state, you may be able to apply online or in person. With either option, you can get money the money you need as soon as the same day* you’re approved.

Apply online now or visit your nearest Advance America location to get started.

Yes. Advance America complies with all applicable state and federal laws and regulations, including those of the Consumer Financial Protection Bureau. As members of OLA, we adhere to all industry best practices to provide the most beneficial, responsible personal loan services.

You could get approved for a Cash Advance even if you have bad credit. Credit is not the only factor Advance America considers when reviewing a Cash Advance application.

With Advance America, you can be confident that all the information you submit on your application is sent through a secure server and kept in a protected database. One way to verify a website’s security is to look for the padlock icon in the URL address bar, which tells you the site is secure and encrypted.

For more details, please view our Privacy Policy and Security Information.

No, applying for a Cash Advance with Advance America does not impact your FICO or Vantage scores.

In most states, you must be at least 18 years old to apply for a Cash Advance. Exceptions do apply.

Since this is a short-term loan, your Cash Advance is due in full on your next pay date. The exact timing depends on your pay schedule.

We follow all federal and state laws, so the ability to refinance short-term loans depends on your state’s regulations. To learn whether you can refinance your Cash Advance, please call us at (844) 562-6480 or contact your local Advance America store.

Past-due payments may impact your ability to take out future loans with Advance America or other lenders. We’re committed to the fair and lawful collection of past-due accounts and can work with you to establish payment arrangements.

If you anticipate being unable to repay your Cash Advance on time, please get in touch with your local store or call us at (844) 562-6480.

Installment Loans allow you to pay back your loan the way that fits your needs, with longer-term repayment options. This means you have the ability to repay with multiple payments over time.

We're a state licensed company, which means we follow all applicable state and federal laws.

All Installment Loan rates, terms, and fees are explicitly outlined in the agreement with no unexpected charges or hidden costs when borrowing.

Advance America considers customers with all types of credit. For our Installment Loans, we will review third-party data sources to verify your eligibility.

Installment Loan payments will be automatically withdrawn from your bank account on the due date. Cash payments are also accepted in person at any Advance America location.

Depending on your state and loan terms, your repayments can range from 3 to 36 months.

Past-due payments may impact your ability to take out future loans with Advance America or other lenders. We're committed to the fair and lawful collection of past-due accounts and can work with you to establish payment arrangements.

If you anticipate being unable to repay your Installment Loan on time, please get in touch with your local store or call us at (844) 562-6480.

When the unexpected happens, a Line of Credit can provide the money you need to handle it. Apply once and receive a set credit limit. The money is there to draw on all at once or in multiple draws. As long as your account is in good standing and you haven’t hit your borrowing limit, you can withdraw funds as needed.

Applying for a personal Line of Credit from Advance America is easy. Depending on your state, you can apply either in-store or online.

Applying online requires a few simple steps:

• Step 1 Choose Your Loan

• Step 2 Provide Basic Contact information

• Step 3 Provide Employment information

• Step 4 Provide Banking information

• Step 5 Review, Sign and Submit your application

Applying for an in-store Line of Credit is also simple. Based on your state, just bring the necessary documents to your nearest Advance America. With the help of our knowledgeable staff, you can apply, get a fast approval decision, and instantly withdraw the money you need. To find out if a Line of Credit is available in your state, click here.

Rates and terms will vary depending on your approved borrowing limit and state regulations. For more information, see if our Flex Line of Credit is available in your state.

Getting a Line of Credit from Advance America is fast, whether you apply in-store or online. The online application requires a few simple steps. If you prefer to go in-store, one of our friendly staff members can guide you through the application. Whichever option you choose, this will only take a few minutes of your time. After approval, you can withdraw money from your Line of Credit the same day. If your Line of Credit application is approved by 10:30 AM ET (M-F), money is typically funded in your bank account by 5PM ET that day. Approvals after 10:30 AM ET are typically funded in the morning the next business day. All in all, the process is quick from beginning to end.

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 through your online account or at your local Advance America.

Our Flex Line of Credit gives you the flexibility you need allowing you to postpone a payment interest-free.*

*Subject to eligibility restrictions.

Loans online are a fast and easy solution for your money needs.  You can both apply and repay your loan online, at your convenience so there’s no need to visit a location. Just submit an online application and if approved, the funds from the loan will be deposited directly into your bank account, as soon as the same day*. Your repayment of the loan is electronically deducted from your bank account on your due date(s).

To find out if an Online Loan is available in your state, begin by entering your state above. Once you are ready to apply for the Online Loan of your choice, simply click “Apply Online” at the top of the page. Keep in mind, the documentation needed to apply will vary by your state and loan type. Below are the easy steps you’ll need to complete to apply.

• Step 1: Choose your loan and select “Apply Online”

• Step 2: Provide your personal contact information. You’ll need your Social Security number.

• Step 3: Provide your employment information

• Step 4: Provide banking details. Both checking account number and ABA routing number are needed. Prepaid cards are not accepted.

• Step 5: Sign and submit

Your application may be approved quickly in a matter of minutes and you can receive your Online Loan same day^*.

Advance America offers various online loan types. Keep in mind that your financial situation, state availability, and personal needs will ultimately determine which of the available Online Loan options are best for you.

Online Loans are safe as long as you work with a reputable lender. Before applying for any loan online, ensure the lender is well established, has mostly positive reviews, and uses a secure website. You can verify website security by looking for the padlock icon in the URL address bar.

Advance America has over 25+ years of experience and countless positive reviews on Google and Trustpilot. Any information you submit for your Online Loan is sent through our secure server and kept in an encrypted database. For more details, see our Privacy Policy.

Information about your credit is needed to get an Online Loan. As part of the online application process, Advance America will review your credit history, but this will not impact your FICO or Vantage scores.

Past-due payments may impact your ability to take out future loans with Advance America or other lenders. We’re committed to the fair and lawful collection of past-due accounts and can work with you to establish payment arrangements.

If you anticipate being unable to repay your Online Loan on time, please get in touch with your local store or call us at (844) 562-6480.

Title Loans are available in select states across the country. Click here to see if Title Loans are available in your state.

To find out if you are qualified for a Title Loan, simply visit your closest Advance America location with your vehicle for inspection, vehicle title, government issued ID, and proof of residence. Our friendly team member will have you complete an easy Title Loan application and inspect your vehicle. Upon completion of this process, you will know if you qualify for a Title Loan. Before you head to our store, you can use our Title Loan estimator tool to see what amount you may qualify for.

To apply for a car Title Loan, please bring the following items to an Advance America location near you:

1. Free and clear vehicle title
2. Proof of residence
3. Government issued ID
4. Vehicle (for inspection only)
5. In some states, proof of income and vehicle insurance are required

To qualify for a car Title Loan, your car must be registered in your name, must be paid off and you should have possession of the title. In some states, your gross monthly income will also determine the Title Loan amount offered. At our location, one of our employees will inspect your vehicle and determine its value.

Advance America will work with you to establish payment arrangements for your Title Loan. And we're committed to collecting past due accounts in a professional, fair and lawful manner. Past due payments may impact your ability to transact with Advance America or other lenders. 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.

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.

Identity theft is the creation of an account or loan by one person utilizing another individual’s personal information. If your credit report contains a loan with Advance America that you do not recognize, contact us directly at (888) 795-3111.

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.