Quick and easy Installment Loans with longer-term repayment options
Installment Loans, along with Online Installment Loans, from Advance America get you the money you need today, along with the ability to pay it back in smaller, multiple payments over time. Availability of this loan varies by state. Already have an account? Login
Installment Loans are short-term loans that let you borrow a lump sum of money all at once. Then, you can pay back the loan over time in fixed monthly payments, or installments. Installment Loan repayment terms can range from several months to a few years, depending on your loan terms.
You can apply for an Advance America Installment Loan in just a few minutes. Here's how the process works:
Start your Installment Loan application now or apply in store.
Get an approval decision in minutes for your Installment Loan application.
Receive money same day.* Pay it back in multiple payments over time.
*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.
Here are some benefits of getting an Installment Loan from Advance America:
We offer quick and easy applications for Installment Loans. You can complete an Installment Loan application in just a few minutes in person at an Advance America store location or online from the comfort of your home.
We offer an instant approval decision, so you may find out whether you’re approved for an Installment Loan right away. If approved, you may receive the funds in your bank account the same day you apply or within 24 hours.
With our personal Installment Loans, you don’t have to pay back the loan amount all at once. You can repay this loan in fixed monthly payments that can range over a few months or years.
Advance America looks beyond just your credit score, so you may not need a good credit score to get approved for an Installment Loan. We’ll consider factors in addition to your credit score when making our approval decision, like your income and employment history. This means that you can still get an Installment Loan with poor or fair credit.
In Store and Online Installment Loans are available only in certain states. Visit this page to see if Installment Loans are offered in your state.
In order to apply for an Installment Loan, you'll need to provide a government-issued ID, proof of income, checking account, and verification of social security number. Requirements vary by state. For specific information on your Installment Loan requirements, click here to visit your state page.
The application process for an Installment Loan is quick and easy. Simply choose an in store or online loan, where applicable, fill out a quick application, get approved in minutes, and get money as soon as the same day*!
Be sure to review the “What You'll Need To Apply” section and click on “Learn More” for more details on what you'll need to receive an Installment Loan in your state.
This loan gets you the money you need today with the ability to make scheduled payments over time based on your pay cycle. Plus, the application process is quick and easy, with the option (depending on your state) to apply both in store and online. To find out what types of Installment Loans are available in your area, click here.
Advance America considers customers with all types of credit. For Installment Loans, we will review third party data sources to verify credit.
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.
There are several options for how you may receive your money, depending on whether you complete your application in-store or online. For an in store Installment Loan, you can receive cash or a check as soon as you're approved and sign your loan paperwork. Should you choose to apply for your Installment Loan online, your money can be directly deposited into your bank account as soon as the same day.* Select your state above, or to see if Installment Loans are available near you, click here.
The minimum and maximum amounts available to you with an Installment Loan vary by state. To learn details about the amounts available in your state, visit our state page.
Collateral is not required for an Installment Loan. All we need from you is your government issued ID, proof of income, checking account, and verification of social security number in order to complete your application. To learn more about which documents are necessary to process your application, please click here.
Finance charges for Installment Loans vary by state and by length of loan term the customer selects. Rates and terms for Installment Loans are based on state regulations.
To get examples of the Installment Loan rates and terms in your state, click Learn More below.
To apply, you'll need the following items:
Learn more about what is needed in your state.
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Repayment of your Installment Loan will take place on each installment due date, which typically follows your pay dates, via auto withdrawal from your bank account or cash payment at your location. Depending on your state, repayment will take place anywhere from 3 to 36 months and generally coincide with your pay date.
Typically, your loan payments are aligned with your pay dates. During the loan process, we will review the specific due dates and amounts associated with your loan to ensure you understand the terms of the agreement before finalizing.
Yes. There is no penalty for paying off your loan early and doing so may decrease the overall cost of your loan.
Please contact us at your local store or call (844)562–6480 if you are unable to make your Installment Loan payment on time. Advance America will work with you to establish payment arrangements for your Installment 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 and other lenders.
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