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Emergency Loans

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Emergency Loans when you need cash quickly

When the unexpected happens, Advance America’s in-store and online Emergency Loans can provide the extra support you need. 

Whether you’re facing a vet bill, dental work, car repair, or medical procedure, an Emergency Loan can ensure you keep a handle on your finances – so you can focus on the things that matter.

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What are Emergency Loans and how do they work?

An Emergency Loan is a type of fast-cash financing that can help you cover essential or emergency expenses. After applying and being approved for an Emergency Loan, you can receive the funds you need as soon as the same day. 

Advance America offers a variety of Emergency Loans, including Payday Loans, Installment Loans, Title Loans, and Lines of Credit.

Getting an Emergency Loan is as easy as 1‑2‑3


Get an approval decision in minutes.


Receive money 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 business day.

Get ready for your store visit

You will need the following items to apply for an Emergency Loan. Please note that some states may also require a voided personal check.

  1. Government-issued ID
  2. Proof of income
  3. Checking account
  4. Social Security Number or ITIN

Emergency loans for the unexpected

In times of financial crisis, an Emergency Loan can be a lifeline. Advance America customers have used our loans to cover:

Medical expenses. When unexpected illnesses or injuries lead to hefty medical bills, a short-term loan can help cover out-of-pocket costs for hospital stays, treatments, and medications. 

Home repairs. Sudden issues like a broken furnace or appliance can't always wait. An emergency home repair loan could provide the funds you need to address these problems and keep your home safe and comfortable. 

Auto repairs.Car trouble can be a major disruption. Whether it’s a flat tire, engine repair, or other necessary maintenance, an emergency loan can cover the costs and get you back on the road quickly.

Rent payments.Falling behind on rent can lead to eviction or other serious consequences. An emergency loan can help you catch up on rent payments when you're in a pinch.

Travel expenses.When a family emergency calls for immediate travel, a quick loan can help cover costs like flights and accommodations, allowing you to be there when it matters most.

Lost valuables.If a crucial item like a laptop is lost or stolen, a short-term loan can help you replace it quickly and avoid major disruptions to your work or personal life.

Pet care.Pets are family, but unexpected vet bills can catch you off guard. Emergency Loan funds can ensure your pet receives the care they need.

Funeral costs.Losing a loved one is always difficult. An Emergency Loan can help you cover funeral costs and other related expenses, allowing you to focus on supporting your family.

Tax bills.Finding out you owe money to the IRS can be stressful. A quick loan can provide the money you need to settle your debt and avoid tax penalties.

Identity theft.If you’re a victim of debit or credit card fraud, a short-term loan can help you cover everyday expenses while you work to resolve the issue.

Types of Emergency Loans

Each state regulates loans differently. While availability varies by location, Advance America offers the following types of Emergency Loans to our customers:

Payday Loans 

Also known as a Cash Advance, a Payday Loan is a short-term, small-dollar loan that can provide you with extra funds to make it to payday. Unlike other types of loans, Payday Loans are repaid in full the next time you get paid.

Installment Loans 

An Installment Loan can help you cover emergency expenses by providing a lump sum of money that you pay back over time. Payments can last from a few months to a couple of years, depending on your loan terms.

Title Loans 

If you’ve paid off your car, truck, motorcycle, or RV and have the title in hand, you may be able to get a title loan based on the vehicle’s appraised value. Advance America has partnered with LoanCenter to offer online title loans up to $25,000.

Line of Credit 

When you open a personal Line of Credit, you’ll have ongoing access to funds up to your approved borrow amount. Draw as much or as little as you need, when you need it, as long as funds are available.

Benefits of Emergency Loans

An Emergency Loan can serve as a backup plan if you don’t have enough money in savings to pay for an unexpected cost. Here are some benefits that these types of loans can offer if you’re facing emergency expenses.

Person discovering the benefits of Payday Loans


Emergency Loans are flexible and can be used for any unexpected expense, whether you need the funds to pay for a home repair or a rent payment. These types of loans can also come with flexible repayment terms and may give you the option to pay off your loan over a short term or make lower monthly payments over a longer term.

Advance America

Easy application

Applying for an Emergency Loan is typically a quick and easy process. You can apply for Advance America loans online or in-store depending on your preference and fill out an application in just a few minutes. 

Advance America

Quick approval process

Once you apply for an Emergency Loan, you may get a decision instantly. Many lenders have a quick approval process, so you won’t have to wait days or weeks to get the funds you need. 



Many lenders operate online and allow you to apply for Payday Loans, Installment Loans, and other Emergency Loans from the comfort of home. An online application eliminates the hassle of going to a bank, credit union, or lending company to get a loan.

The Advance America advantage

25+ years in business
Since 1997, millions of customers have benefited from our 5-star financial services.
157+ million loans issued
Our knowledgeable staff and straightforward solutions make it easy to get the money you need.
800+ stores
Whether you visit a store or apply from your phone, our money solutions are always accessible.

Emergency Loan rates & terms

The rates and terms for our Emergency Loans are based on state regulations. Finance charges also vary by state, loan type, and term length.

More on Emergency Loan rates & terms

Emergency Loan FAQs

Can you get an Emergency Loan with bad 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.

How can I get an Emergency Loan with no credit?

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.

How do I apply for an Emergency Loan?

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!

Are Emergency Loans available online?

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.

How can I pay back Emergency Loans?

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.

What if I can't repay my Emergency 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.

Can I pay off my Emergency Loan early?

Yes! Please contact the store where you originated your loan or call (844) 562–6480 to pay off your loan early. Reference your loan agreement for pre-payment terms.

What type of Emergency Loan is easiest to get?

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

We're a direct lender for our Payday Loans, Installment Loans, and Lines of Credit, so our approved loans are typically funded no later than the following 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.

Which Emergency Loan is right for you?

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.

4 emergency loan options

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