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Payday Loans

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Get a little extra money before your next paycheck with an Advance America Payday Loan (also called a Cash Advance). Already have an account? Login.

Payday Loans from Advance America are short-term loans of small dollar amounts, usually paid back within two to four weeks. This loan gives you access to money when you need it so you can pay for daily finances or unexpected life and emergency expenses. Availability varies by state.

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What is a Payday Loan and how does it work?

A Payday Loan is a small dollar loan that is due on your next pay date, in two to four weeks. You can typically receive a few hundred dollars to cover unexpected expenses or get some extra money before your next paycheck. Fill out an Advance America application in just a few minutes and get the funds you need as quickly as the same day you apply.

Here's how you can get a Payday Loan from Advance America:


Start your application now or apply in the store.


Get an approval decision within minutes for your Payday Loan application.


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 banking day.

Benefits of Payday Loans

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

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 can fill out an application form from the comfort of your home.

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.

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.

Payday Loan Questions

Can I get a Payday Loan with bad credit?

Advance America accepts applications from consumers with all types of credit. Credit is not the only factor we consider when reviewing a Payday Loan application.

How many Payday Loans can I have at once?

In most states, an individual can only have one Payday Loan with Advance America. To learn about what options are available in your state, click here.

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How much can I borrow for a Payday Loan?

The maximum amount of money you'll be able to receive from a Payday Loan is regulated by state law. In addition, you'll qualify for a particular loan amount based on your current income, within the allowed range. To learn more about the loan amount ranges in your state, click here.

How can I use a Payday Loan

You can use a Payday Loan to cover expenses 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 funds you need right away.

Can I get a Payday Loan without a checking account?

Requirements on what to bring for a Payday Loan vary by state, but a checking account is required in most cases. To see if this is required in your state, check out the What to Bring section on your state page. To learn more about what you need for a payday loan in your state, click here.

Are all Payday Loans guaranteed?

Not all Payday Loan approvals will be guaranteed, as certain criteria must be met. To find out what is available in your state, click here.

Are Payday Loans regulated?

Yes, Advance America follows all applicable laws and regulations at both state and federal levels. We’re also members of the Online Lenders Alliance, OLA, so we follow all industry best practices where applicable to provide the most beneficial, responsible personal loan services.

Is my credit score checked or impacted when applying for a Payday Loan?

When reviewing your Payday Loan application, we may evaluate your credit eligibility by receiving information from third-party data sources.

What should I look for in a Payday Loan company?

When choosing a company for the best Payday Loans, make sure to look for these important signs:

  • The Payday Loan process should be simple, easy, and offer users access to knowledgeable staff, whether in store or online through chat.
  • Make sure the website is secure. Consider looking for the security icon that states your information is safe and encrypted. Your URL within the top address bar should have a green padlock, signifying that this website is encrypted. See our Privacy Policy for more information.
  • Your Payday Loan terms and rates should be clear. At Advance America, we're always upfront with your Payday Loan details, and even provide you with a sample fee calculator to estimate your Payday Loan terms and fees based on the amount borrowed depending on your state. To learn more about the rates and fees in your state, click here.

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

An in-store Cash Advance/Payday Loan allows you to visit one of our stores and receive your money in person. The entire process typically takes about 15 minutes and could get you the money you need on the spot. An online Payday Loan gives you the convenience of processing your loan completely online without the need to visit a store. Simply submit an online loan application and, if approved, the funds from this payday loan will be deposited directly into your bank account as soon as the same day.* To learn more about the options in your state, click here.

How and when will I know my Payday Loan has been approved?

Whether you apply in store or online, which depends on your state, processing your completed application will only take a few minutes and you will receive an approval decision immediately.

Rates & terms

The typical fee for a Payday Loan is $15 per $100 borrowed – a set price for a short-term transaction. The fees vary by state based on state regulations. Use our calculator to view rates in your state.

So, how do Payday Loans compare to other short-term payment solutions? These loans are typically the least costly option compared to bank overdraft, bounced check, late payment, and utility reconnection fees.

Chart indicating that payday loans have lower fees than alternative loan types

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.

Learn more about rates and terms in your state.

What you'll need to apply

To apply, you'll need the following items:

  • Government issued ID
  • Source of income
  • Checking account
  • Social Security Number or ITIN (in store only)
  • Personal check required in some states

Learn more about what is needed in your state.

Proudly serving our customers

Advance America Payday Loan customer reviews

"Fast, courtesy service, friendly and professional. "

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"Yes they're very helpful once you're in the system they make it very very easy to keep coming back I've been doing it for 8 years now and it…

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"this is my experience. I have been going there for a long time on and off what I like about it is the workers are down to earth, real life,…

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Payment Questions

What if I can't pay or will be late repaying my Payday Loan?

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 Payday Loan on time, please contact us at your local store or our toll-free number (844) 562-6480.

Can I pay off my Payday Loan early?

Yes, you can pay off your Payday Loan early. Please contact the store in which your loan originated or call (844) 562 – 6480 for an online loan to pay your loan off early. In some states, you may be entitled to a refund of part of your loan fee.

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How to repay Payday Loans?

Your Payday Loan is typically due on your next pay date. We offer several options to make paying your loan back convenient, including in-person or online payment options (varies by state).

Can I renew or refinance my Payday Loan?

Advance America follows all federal and state laws, so the ability to refinance your Payday Loan depends upon your state’s regulations. Please contact your nearest store for further information or call us at (844) 562 – 6480.

Does Advance America have any payment plans for Payday Loans?

If you are having difficulty paying back your Payday Loan, you can contact Advance America to arrange payment options.

When will my Payday Loan be due?

Payday loans are short-term loans that are typically due on your next payday. Timing depends on your pay schedule.

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