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"Quick,fast and easy"
4.9 out of 5 based on 118,271 reviews
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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.
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Online Loans for Bad Credit
Choose a personal loan that meets your needs. Loan availability varies by state.
Apply once and tap into your credit line as needed — only pay interest on what you borrow.
Personal Line of Credit
Cash when you need it
Complete an online loan application within minutes and get the cash you need.
Home or rental payments
Back to school costs
Cover medical bills
Vacation expenses
Student loan payments
Travel expenses
Getting a loan is as easy as 1-2-3.
1
Start your application 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.
What you need to apply
To apply for an Online Loan, you’ll need the following items:
- Government-issued ID
- Proof of income
- Checking account
- Social Security Number or ITIN
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.
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.
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 review your credit history, but this will not impact your FICO or Vantage scores.
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.
Proudly serving our customers
Advance America Online Loan customer reviews
"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."
