A contented man explores the personal loan offerings on the Advance America website.

Personal Loans

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Personal Loans can get you cash fast

Personal Loans from Advance America provides fast money for your personal needs, such as paying utility bills, medical bills and expenses, broken appliances or vehicles, and other quick money needs. Applying for a Personal Loan with Advance America is quick and easy. Fill out your application securely online or at one of our stores and receive your approval decision instantly. Already have an account? Login.

The Advance America Personal Loan advantage

A 5-star customer experience has made us a leading provider of consumer financial services for millions of Americans since 1997
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million loans issued
Our knowledgeable staff and personalized money solutions make getting cash as easy as can be.
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Whether down the street or right from your phone, the money you need is always within reach.
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How do Personal Loans Work?

For a Personal Loan, you'll need to follow these easy steps to apply:


Get an approval decision in minutes.


Receive money the 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.

Personal Loan Questions

What is a Personal Loan?

Personal Loans provide fast and easy money solutions with loan amounts ranging from hundreds to thousands based on your state and the loan type you select. The loan agreement provides clear review of the loan amount, finance charges, and payment due date(s) and amount(s), so there are no surprises. Plus, applying does not impact your FICO credit score.

How can borrowers apply for a personal loan?

To apply for a personal loan from Advance America, you’ll need to fill out an application online or in store. Provide all personal and financial details required, including your government issued ID, proof of income, and bank account information. We offer an instant approval decision, so you may be approved to get the funds you need within minutes.

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What can borrowers use a personal loan for?

You can use a personal loan from Advance America for any emergency and essential expenses, including:

  • Medical bills
  • Car repair
  • Home repair or renovation
  • Groceries
  • Rent
  • Debt consolidation

What credit score do borrowers need for a personal loan?

You don’t need a good credit score to get approved for a personal loan from Advance America. We accept borrowers with all credit score levels and will consider additional factors like your income and employment history during our approval decision. So, you still may qualify for a personal loan with poor or fair credit.

Can I get a Personal Loan today?

You can apply for a Personal Loan any time. If approved in store, you typically can walk out with money in hand or deposited to your bank account. If applying online, 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. Funding options may vary by state.

What are the benefits of getting a Personal Loan?

Personal Loans with Advance America provide money same-day* with a fast, seamless application process and instant approval decisions. All credit scores can apply. We provide 5-star customer service and keep your information private and secure. Plus, Advance America is a trusted lender serving millions of customers since 1997.

Are Personal Loans safe?

Your Personal Loan application information is safe. Details are sent to a secure server and kept in a secure database. Always make sure to look for a padlock in the URL address bar that indicates that your information is encrypted.

Do Personal Loans require collateral?

Personal Loans with Advance America may require collateral. We offer unsecured and secured loans. Secured loans require the borrower to provide collateral.  Unsecured loans, like Installment Loans, and Lines of Credit, do not require collateral. The type of loan available varies by state. Click on the “Learn More” button below to find out what is available in your state.

How much can I borrow for a Personal Loan

The amount you can borrow with Advance America varies by state. Click here to find out the Personal Loan amounts available in your state.

Personal Loan rates & terms

Rates and terms for Personal Loans are based on state regulations and vary by loan type in each state. 

To see examples of Personal Loan rates and terms in your state, click “Learn More” below.

What do you need to apply for a Personal Loan?

You will need the following to apply for a Personal Loan:

  • Government issued ID
  • Proof of income
  • Checking account
  • Social Security Number

Learn more about what is needed in your state.

Proudly serving our customers

Advance America Personal Loan customer reviews

"Tameka did an excellent job helping Me out with a loan!"

5 star rating

"Payday loan are easy and great customer service."

5 star rating

"Great financial service quick and easy. The staff at the store are very knowledgeable about their work. Will be back :)"

5 star rating

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Personal Loan Payment Questions

How do I pay for my Personal Loan?

Advance America makes it convenient to make payments on your loan. You can visit one of our stores to pay in-person or use our online payment options (varies by state). Please contact us at your local store or our toll free number (844) 562-6480.

What if I cannot pay or will be late repaying my Personal Loan?

Advance America will work with you to arrange payments for your Personal Loan. We're committed to collecting past due accounts in a professional, fair and lawful manner. If you are unable to make your payment on time, please contact us at your local store or our toll free number (844) 562–6480.

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Can I pay off my Personal Loan early?

Absolutely. You can pay off your Personal Loan early with no prepayment penalty. Reference your loan agreement for full pre-payment terms.

Call or stop by the store where you originated your loan or call (844) 562–6480 to pay off your loan early.

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