"Quick,fast and easy"
4.9 out of 5 based on 101,597 reviews
101,597 reviews on
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.
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Online Loans provide a quick and simple solution to your money needs. You can apply online and receive an approval decision within minutes. If approved, the funds will be deposited directly into your bank account, and payments will be automatically drafted on your due date.
Advance America offers a variety of Online Loans, including Payday Loans, Installment Loans, and Lines of Credit.
Home or rental payments
Back to school costs
Cover medical bills
Vacation expenses
Student loan payments
Travel expensesAlthough state-specific loan availability varies, we offer the following types of loans online:
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.
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.
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.
Get an approval decision with minutes.
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.
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.
Depending on the time your Online Loan is approved, your funds could be deposited in your checking account the same day.*
To apply for an Online Loan, you'll need the following items:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
"Quick,fast and easy"
"I have been completely satisfied with the service of Advance America. The site is easy to use and seems to be backed by pleasant and…
"I love it. It really comes in handy when I need it."
