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Payday Loans

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Payday Loans approved in minutes

What is a Payday Loan?

Also known as a Cash Advance, a Payday Loan is a short-term, small-dollar loan (usually for a few hundred dollars) that you typically pay back within two to four weeks. This loan gives you access to money when you need it, so you can cover daily finances or unexpected life and emergency expenses. Availability varies by state.

Unlike some personal loan lenders and traditional banks, Advance America considers factors in addition to your credit score when deciding whether to approve you, like your income, employment history, and current debts. This means that you can still get approved if you have poor or fair credit.

Our customers use Payday Loans to cover everything from daily expenses to unexpected emergencies. Groceries, utility bills, auto maintenance, an ER visit – you name it, our in-store and online Payday Loans can help.

Loans for the unexpected

Designed to bridge the gap between paychecks, a Payday Loan can be a quick and accessible source of financial relief when you need it most.
  • decorative iconRent or mortgage
  • decorative iconGroceries
  • decorative iconPast-due utilities
  • decorative iconUnexpected repairs
  • decorative iconBack-to-school costs

How do Payday Loans work?

A Payday Loan is a short-term personal loan that lets you access money now, often on the same day you apply. You repay the borrowed amount and loan fee the next time you get paid.

If your financial situation can’t wait until payday, Advance America can help! Apply online or in-store in minutes to get the money you need today.

Getting a loan is as easy as 1‑2‑3


Start your application online or apply in the store.


Get approved within minutes.


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 pm ET are typically funded in the morning the next business day.

Get ready for your store visit

To apply for a loan at Advance America, you'll need the following items.

  1. Government-issued ID
  2. Proof of income
  3. Checking account
  4. Social Security Number or ITIN

Benefits of Payday Loans

Here are some benefits of getting a Payday Loan from Advance America.

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Easy application

These loans come with easy applications that you can complete in just a few minutes. Advance America lets you apply online or in-store, so you may be able to fill out an application form from the comfort of your home.

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Quick approval

Advance America offers an instant approval decision, so you may find out right away whether you’re approved for a loan. If approved, you can receive the funds the same day you apply or within 24 hours.

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Good credit not needed

Advance America has less strict credit requirements and approves borrowers with all credit score levels. We consider factors in addition to your credit score when deciding whether to approve you, like your income, employment history, and current debts. This means that you can still get approved if you have poor or fair credit.

The Advance America advantage

25+ years in business
Providing 5-star customer experiences has made us a leading provider of consumer financial services since 1997.
157+ million loans issued
Thanks to our knowledgeable staff and personalized money solutions, we make getting cash easy.
800+ stores
Whether you’re down the street or on your phone, the money you need is always within reach.

Payday Loan rates & terms

Our typical loan fee is $15 per $100 borrowed — a set price for a short-term transaction. However, fees vary by state based on state regulations.

So, how do Advance America Payday Loans compare to other short-term payment solutions? Our loans are typically the least costly option compared to bank overdrafts, late payment penalties, and utility reconnection fees.

More on payday loan rates & terms

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Sources: Consumer Federation of America Survey of Online Payday Loan Sites, 2011; CFPB CARD Act Report and Study of Overdraft Programs, 2013; Readex Research National Data on Short-Term Credit Alternatives, 2006; Checking Account Survey, 2014; Moebs Services, 2012.

Payday Loan FAQ

Can I get a Payday Loan with bad credit?

Payday Loan applications at Advance America are reviewed based on a variety of factors, not just credit score. We also consider factors like your employment history and income in our approval decision.

How many Payday Loans can I have at once?

Most states only allow borrowers to have one Payday Loan with Advance America. Click here to learn about the options available in your state.

How much can I borrow?

Payday Loans are regulated by state law in terms of how much money you can receive. Additionally, you’ll qualify for a specific loan amount based on your current income. Find out your state’s maximum loan amounts here.

How can I use a Payday Loan

You can use your loan to cover urgent expenses and necessities before you get your next paycheck. Whether you need to pay rent, cover an unexpected medical bill, or buy groceries, Payday Loans can give you the extra money you need right away.

Can I get a Payday Loan without a checking account?

Most states require you to have a checking account to qualify for a payday loan. Check the documents required by your state.

Does Advance America offer guaranteed approval?

Loan approvals are never guaranteed. While we work with borrowers in all credit situations, certain requirements still apply. Visit your state’s page to learn more.

Are Payday Loans regulated?

Yes. Advance America complies with all state and federal laws and regulations. We’re also members of the Online Lenders Alliance (OLA). This means we follow all industry best practices to provide the most beneficial, responsible personal loan services.

Does Advance America check my credit score?

We use third-party data sources to determine your eligibility for a Payday Loan. This process does not affect your FICO credit score, and you may still qualify for a loan with bad credit.

What should I look for in a Payday Loan company?

For the best Payday Loans, choose a lender with:

  • An easy application process and knowledgeable staff. Whether you’re applying in-store or online, we can help you find the best Payday Loan to meet your needs.
  • A secure website. The address bar should display a padlock icon in front of the URL. The symbol indicates that the website is encrypted and secure. Check out our Privacy Policy for more information.
  • Transparent fees, rates, and terms. At Advance America, we’re always upfront with your Payday Loan details. Learn more about your state’s loan rates and terms by clicking here.

What is the difference between an in-store and an online Payday Loan?

The difference between an in-store loan and an online loan is simply the way you apply...

First, you can stop by an Advance America store to apply in person. Getting an in-store Payday Loan takes about 15 minutes, and you’ll often receive money immediately.

Second, you can apply for a Payday Loan online through our website. After submitting your online application, you will usually receive money in your bank account the same day you’re approved, or by the next business day if you apply between 10:30 AM- 8PM ET Monday-Friday. Holidays can impact these times.

Learn more about Payday Loan options in your state by clicking here.

How and when will I know my loan has been approved?

Processing your in-store or online application takes just a few minutes, and you will receive an approval decision immediately. There may be instances where you’ll need to provide additional information, so be sure to read all communication thoroughly.

What if I can’t repay on time?

Advance America will work with you to establish Payday Loan payment arrangements. And we’re committed to collecting past-due accounts in a professional, fair, and lawful manner. We do not report to Equifax, Experian, or TransUnion credit agencies. If you are unable to pay your loan on time, please contact us at your local store or our toll-free number (844) 562-6480.

Can I pay off my loan early?

Yes! You can always repay your Payday Loan before the due date. Depending on your state, you may even be entitled to a partial fee refund for paying off the loan early.

Please contact the store that originated your loan or call us at (844) 562-6480 to arrange early repayment. We can even discuss online loan options to help you pay off your Payday Loan ahead of schedule.

How do I repay my Payday Loan?

Your Payday Loan is typically due the same day as your next paycheck. Depending on your state, several in-person and online payment options are available to make repaying your loan easy and convenient.

Can I renew or refinance?

Advance America follows all federal and state laws. As such, your ability to refinance your Payday Loan depends on your state’s regulations. For more information, please contact the store that originated your loan or call us at (844) 562-6480.

Does Advance America offer any payment plans?

If you’re having trouble paying back your Payday Loan, please call us at (844) 562-6180 or stop by your local store to discuss payment options.

When will my loan be due?

Payday Loans are short-term loans designed to be repaid in full on your next payday. The due date depends on your pay schedule. All details are included in your loan agreement, which can be provided by the store or found in your online account.

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