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Online Loans

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Online Loans

Advance America Online Loans provide the money you need with the convenience you expect from modern lending. No matter where you are, you can apply for a loan online 24/7 from your laptop, tablet, or mobile device. Best of all, thanks to our quick application process and instant approval decisions, you can get the money you need when you need it most. Already have an account? Log in

How do Online Loans work?

Online Loans are a fast and easy solution to your money needs.

Creating an online Advance America account allows you to apply and repay your loan 24/7, at your convenience. Your funds are deposited directly into your bank account and payments are automatically drafted on your due date(s).


Submit your online application and get an instant approval decision.


Receive money in your bank 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 business day.

Types of Online Loans

Payday Loans

Payday Loans are short-term, small-dollar loans designed to bridge the gap between paydays.

Also known as Cash Advances, these Online Loans allow you to borrow the money you need now for everyday or emergency expenses. You then repay the loan on your next pay date, usually within two to four weeks.

Installment Loans

With an Installment Loan, you borrow a lump sum amount and repay it over time in regular installments. Depending on your loan terms, these fixed monthly payments can range from several months to a few years.

Lines of Credit

Once you’re approved for a personal Line of Credit, you have instant access to money at a moment’s notice. As long as you have available funds in your credit line, you can withdraw money whenever you need it – without the need to reapply each time.

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What you need to apply for an Online Loan

To apply for an online loan, you'll need a few pieces of information to get started:

  • Government issued ID
  • Source of income
  • Checking account
  • Social Security Number

Each state has its own requirements, so the documents needed may vary.

How to Apply for an Advance America Online Loan

First, make sure Online Loans are available in your state. If so, you can proceed with the steps below. Keep in mind, however, that the documentation needed to apply may vary by state and loan type.

  • Step 1: Choose your loan and select ‘Apply now.’
  • Step 2: Provide your personal contact information, including your email address and Social Security number.
  • Step 3: Provide your employment and income information.
  • Step 4: Provide your banking details, including your checking account number and your bank’s ABA routing number. Prepaid cards are not accepted.
  • Step 5: Review, sign, and submit your loan agreement.

Depending on the time your Online Loan is approved, your funds could be deposited in your checking account the same day.*

Online Loan FAQs

Can I get an Online Loan today?

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.

Can I get an Online Loan with no credit check?

Information about your credit is needed to get an Online Loan. As part of the online application process, Advance America will receive information from third-party data providers, including information about your credit history, from various credit reporting agencies. This is considered a “soft credit check” and will not impact your FICO credit score.

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Do I need good credit to get an Online Loan?

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.

Are Online Loans safe?

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.

How long does an Online Loan application take?

Most people can complete their Online Loan application in just a few minutes. You can speed up the process by having your personal and financial information ready.

How much can I borrow for an Online Loan?

The amount of money you can receive from an Online Loan is regulated by state law and will depend on your income, employment status, and credit history. Enter your location to view loan amounts and fees in your state.

How long will it take to get my cash after applying for Online Loan?

If your online application is approved before 10:30 AM ET (M-F), you will typically receive the funds in your bank account by 5 PM ET that day. Loans approved after 10:30 AM ET are usually funded the morning of the next banking day.

What if I can't pay or am late repaying my Online Loan?

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.

How do I repay my Online Loan?

Your bank will receive an electronic request for the amount specified in your loan agreement. Payments are withdrawn via ACH (Automated Clearing House) or other electronic method on the payment date. Depending on your loan type, other repayment options may be available.

Can I schedule my online payments to be made automatically?

Online Loan payments are automatically withdrawn from your checking account on the due date. You can also make a payment by logging in to your online account or calling (877) 505-0701.

When are my Online Loan payments due?

Due dates are set according to the type of loan, term length, and origination date, but they’re always outlined in your loan agreement. Remember to review your loan agreement carefully so you have clear expectations of when to make payments.

Rates & terms

Advance America offers a variety of Online Loans, including Installment Loans and Lines of Credit. The rates and terms for each loan are based on state regulations. Finance charges also vary by state and loan term length.

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Advance America Online Loan customer reviews

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