![person driving car with child in back seat](https://cdn.advanceamerica.net/public/styles/hero_mobile/public/media/images/2026-07/hero-flc-image-mobile_0.png.webp?itok=9UroIn4V)

 ![person driving car with child in back seat](https://cdn.advanceamerica.net/public/styles/hero_half_width/public/media/images/2026-07/hero-flc-image-desktop_0.png.webp?itok=rrhWf79h)

#  Get up to $5,000 fast 

 with a line of credit 

 

- Take what you need, when you need it — without reapplying
- Only pay for what you use
- Repay at your own pace
 
 

 [Apply now](https://www.advanceamerica.net/online) 

 Returning customer? [Log in](https://www.advanceamerica.net/online/signin/login)

 

 

 

 



  ![trustpilot 5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg)  

 4.9 out of 5 based on 131,118 reviews 

 ![review icon](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars.svg) 200,000+ reviews on **Google** 



  ##  Ready to get started? 

 ![The number 1](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-01/step-cards-1.png.webp?itok=vzepQm9_) 

### Apply online

It only takes a few minutes to submit an application and receive an approval decision.





 ![The number 2](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-01/step-cards-2.png.webp?itok=-vvUZQgp) 

### Get approved for up to $5,000

Take the amount you need now (up to your limit) and log in anytime to request more available funds.





 ![The number 3](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-01/step-cards-3.png.webp?itok=HX25-1Tb) 

### Access your funds

Money goes directly to your bank account, ready to use when you need it. Funds may be available as soon as today.\*





 

 

 [ Apply Now ](https://www.advanceamerica.net/online) 

 

  ###  Understanding your payments 

Each billing cycle, you’ll have a minimum payment due, which includes the Statement Fee plus the Principal Payment.

**Tip:** You can always pay more than the minimum payment amount to reduce your outstanding balance faster.

### Let’s break it down...

 

###  Biweekly billing cycle 

 ![Ashley](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-11/cargo-advanceamerica-2-clipped-1.png.webp?itok=RLCdB6JL) 

#### Meet Ashley

- She has a **$1,500 revolving line of credit** and is paid **biweekly**.
- She **advances $1,000**, leaving $500 available in her line.
- Ashley **receives $900** (the advance amount *minus* the Advance Fee).

 

### Minimum payment on $1,000 balance:

Statement Fee

### $69

### +

Principal Payment (2.5%)

### $25

### =

Minimum payment due

### $94

 



 

 [Apply now](https://www.advanceamerica.net/online) 

 

 

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© 2026 AARC, LLC. All Rights Reserved.  
322 Rhett Street Greenville, SC 29601

Subject to approval. \*Online approvals before 10:30 a.m. ET (Monday-Friday) are typically funded to your bank account by 5:00 p.m. ET the same day. Approvals after 10:30 a.m. ET are typically funded in the morning the next business day.