Installment Loans

Rates and fees vary based on your state and loan amount. You'll see your exact APR, fees, and total repayment before you accept your offer — no surprises.

Loan amounts vary by state and depend on your eligibility. Once you apply, you'll see your loan amount, rate, and repayment schedule before you commit to anything.

You'll need a valid government-issued ID, proof of income, Social Security number or ITIN, and an active checking account. That's it.

At Advance America, your credit score is one part of the picture — not the whole story. We look at your overall financial situation, which means people across a range of credit backgrounds may qualify.
The best way to find out is to apply.

Yes. Whether you're a freelancer, gig worker, or small business owner, you can apply for an installment loan with Advance America. Just have your proof of income ready.

The biggest differences between the two are term length and loan amount.
A cash advance is typically a smaller, short-term option that you repay in full on your next payday. An installment loan lets you borrow a larger amount, with fixed payments spread out over time.
We offer both at Advance America, but availability varies by state.

It depends on how you apply. Visit a store and you could walk out with cash in hand.
Applying online? The money could hit your bank account by the end of the day, based on your approval time. If you miss the window for same-day* funding, you’ll receive funds on the morning of the next business day.

Installment loans can help cover a wide range of expenses — car repairs, medical bills, rent, utilities, and more. How you use the money is up to you.