# Online Loans - Receive money same day.\* - Simple repayment terms. - Good credit not needed. [Apply now](https://www.advanceamerica.net/online) [Learn about available loans in your state.](https://www.advanceamerica.net/store-locations/ohio) "Quick,fast and easy" — customer, 04/10/2021 ![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 128,071 reviews [128,071 reviews](https://www.advanceamerica.net/customer-reviews) on ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ## Fast and easy Online Loans An Online Loan provides the money you need with the convenience you expect from modern lending. No matter where you are, you can apply for an Advance America personal loan online. 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](https://www.advanceamerica.net/online/signin/login) ## Online Loans for Bad Credit Choose a personal loan that meets your needs. Loan availability varies by state. [ ![currency](https://cdn.advanceamerica.net/public/media/images/2024-04/currency.svg) ](https://www.advanceamerica.net/loans/payday-loans) ### [Payday Loans](https://www.advanceamerica.net/loans/payday-loans) Short-term, small-dollar loans that provide same-day funds for immediate expenses. [ ![calendar month](https://cdn.advanceamerica.net/public/media/images/2024-04/calendar_month.svg) ](https://www.advanceamerica.net/loans/installment-loans) ### [Installment Loans](https://www.advanceamerica.net/loans/installment-loans) Get the money you need now and repay it over time in fixed monthly installments. [ ![Line of Credit icon](https://cdn.advanceamerica.net/public/media/images/2025-01/line-of-credit-icon-v4.svg) ](https://www.advanceamerica.net/loans/line-of-credit) ### [Personal Line of Credit](https://www.advanceamerica.net/loans/line-of-credit) Apply once and tap into your credit line as needed — only pay interest on what you borrow. [Discover your online loan options](https://www.advanceamerica.net/online/) ## Cash when you need it Complete an online loan application within minutes and get the cash you need. - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/rent-or-mortgage_1.svg)Home or rental payments - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/back-to-school.svg)Back to school costs - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-06/medical.svg)Cover medical bills - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/utilities.svg)Vacation expenses - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-06/education%20icon.svg)Student loan payments - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-06/travel%20luggage%20icon.svg)Travel expenses [Apply now](https://www.advanceamerica.net/online) ## Getting a loan is as easy as 1-2-3. 1 [Start your application online](https://www.advanceamerica.net/online) or apply in the store. 2 Get approved within minutes. 3 Receive money 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. [Apply Online](https://www.advanceamerica.net/online) ## The Advance America advantage Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including [Payday Loans](https://www.advanceamerica.net/loans/personal-loans), [Online Loans](https://www.advanceamerica.net/loans/online-loans), [Installment Loans](https://www.advanceamerica.net/loans/installment-loans), [Title Loans](https://www.advanceamerica.net/loans/title-loans) and [Personal Lines of Credit](https://www.advanceamerica.net/loans/line-of-credit). 157+ million loans issued 700+ stores and online loans 28+ years providing loans [Apply Now](https://www.advanceamerica.net/online) [Find a Store](https://www.advanceamerica.net/store-locations) ## 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. [Learn More](https://www.advanceamerica.net/store-locations/ohio#rates-section-online-loans) ## Online Loan FAQs ### Can I get an Online Loan today? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) Information about your [credit is needed to get an Online Loan](https://www.advanceamerica.net/loans/online-loans/online-loans-no-credit-check). As part of the online application process, Advance America will review your credit history, but this will not impact your FICO or Vantage scores. ### Do I need good credit to get an Online Loan? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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](https://www.trustpilot.com/review/advanceamerica.net). 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](https://www.advanceamerica.net/privacy-and-terms). ### How long does an Online Loan application take? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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](https://www.advanceamerica.net/store-locations) to view loan amounts and fees in your state. ### How long will it take to get my cash after applying for Online Loan? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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. ## Proudly serving our customers ## Advance America Online Loan customer reviews "Quick,fast and easy" — Online Loan customer, 04/10/2021 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) "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… — Online Loan customer, 04/05/2021 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) "I love it. It really comes in handy when I need it." — Online Loan customer, 04/01/2021 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) [Read More Reviews](https://www.advanceamerica.net/customer-reviews) ## Find a store nearby ![decorative location icon](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-location-pin.svg) No matter where you are, the money you need is never far. [Find a Store](https://www.advanceamerica.net/store-locations) ## More about Online Loans [ ![A stressed woman bursts through torn paper on the left, surrounded by expense icons. On the right, the same woman meditates calmly. Advance America logo at the bottom.](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2026-05/advance-america-emotional-journey-borrowing-money-header.jpg.webp?itok=1GWqXAg3) From Stressed to Relieved: The Emotional Journey of Borrowing Money Borrowing money isn't just a financial decision. For many, it's an emotional one. ](https://www.advanceamerica.net/loans/online-loans/survey-emotional-journey-of-borrowing) Did you know? Advance America offers online Payday Loans, Installment Loans and personal Lines of Credit. [Learn more](https://www.advanceamerica.net/loans/online-loans) [ ![avoiding scams images](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2025-04/avoiding%20scams.png.webp?itok=uFXv5cs1) Legitimate Online Loans: How to Find a Safe Lender If you're considering an online loan, these tips can help you find out if the lender is safe and legitimate. ](https://www.advanceamerica.net/loans/online-loans/how-to-check-if-an-online-loan-is-safe-or-legitimate) [ ![Woman looking for an online loan](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2021-06/Woman%20looking%20for%20an%20online%20loan.jpg.webp?itok=-KmKvXYm) Online Loans for Bad Credit: Types, Benefits and Where To Apply When unexpected costs arise, don’t let bad credit stand in the way of getting financing. ](https://www.advanceamerica.net/loans/online-loans/online-loans-for-poor-credit) [ ![a woman excited after getting an online loan](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2020-08/instant_online_loans_seo_desktop.jpg.webp?itok=CXpbb1Aa) Online Instant Loans Do you need some quick money? If so, an online instant loan may provide the financial lifeline you need to tackle unexpected or emergency expenses, finance a renovation project, or something else. ](https://www.advanceamerica.net/loans/online-loans/instant-loans-online)