# Personal Loans - Receive money same day.\* - Simple repayment terms. - Good credit not needed. [Apply now](https://www.advanceamerica.net/online) [Learn about available loans in your state.](https://www.advanceamerica.net/store-locations/ohio) "Quick,fast and easy" — customer, 04/10/2021 ![trustpilot 5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) 4.9 out of 5 based on 128,178 reviews [128,178 reviews](https://www.advanceamerica.net/customer-reviews) on ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![Google 5 stars](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars.svg)200,000+ reviews on **Google** ## Personal Loans can get you fast cash A Personal Loan from Advance America can provide funds to cover a variety of personal expenses, such as medical bills, car maintenance, home repairs, and other immediate needs. Whether you need extra cash to cover everyday essentials or a significant expense, an unsecured Personal Loan can help you stay on track. Already have an account? [Log in](https://www.advanceamerica.net/online/signin/login) [Apply online](https://www.advanceamerica.net/online/) ## Pay for what you need Personal Loans are a convenient way to get the money you need fast. - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/groceries.svg)Groceries - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-06/medical.svg)Medical bills - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-05/Flexibility%2Bicon.png)Debt consolidation - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/rent-or-mortgage_1.svg)Rent or mortgage payments - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/utilities.svg)Home renovations - ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/repairs.svg)Car maintenance or repairs [Apply now](https://www.advanceamerica.net/online) ## Personal Loans for bad credit You don’t need good credit to get an unsecured Personal Loan from Advance America. When making our loan approval decisions, we consider factors in addition to your credit score, such as your income and employment history. This allows us to work with borrowers with all types of credit, so you may still qualify for a Personal Loan with poor or fair credit. ### Find a Personal Loan that's right for you Advance America offers a variety of unsecured Personal Loans for bad credit, including Payday Loans, Lines of Credit, and Installment Loans. We also make it easy to apply for a car title loan through our partnership with LoanCenter. You can apply for a Personal Loan online or in-store and receive an approval decision within minutes. If approved, the funds are deposited directly into your checking account — sometimes even that same day.\* [Apply online](https://www.advanceamerica.net/online/) [Find a store](https://www.advanceamerica.net/store-locations/ohio) ## Getting a Personal Loan is as easy as 1‑2‑3 ![loans 101 - personal loans](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2024-07/personal%20loans%20thumbnail%20mobile.png.webp?VersionId=0xGTcD27foATiR.3kvcNHxdOEu.ID2sV&itok=IFGqZvTo) ![loans 101 - personal loans](https://cdn.advanceamerica.net/public/media/images/2024-07/personal%20loans%20thumbnail%20desktop.svg) 1 [Start your application online](https://www.advanceamerica.net/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. [Apply now](https://www.advanceamerica.net/online) [Find a store](https://www.advanceamerica.net/store-locations) × ## Benefits of Personal Loans A Personal Loan from Advance America can give you quick access to extra money when you need it most — sometimes even the same day you apply.\* ![Young family smiling](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2024-06/young%20family%20smiling.jpeg.webp?VersionId=v2ejR4zcRTc5Y3ZAW5yGzAOBNlFAuSMr&itok=nF7cKoYa) ![Flexibility](https://cdn.advanceamerica.net/public/media/images/2024-05/Flexibility.svg)### Flexibility Use the funds to cover any expense, from everyday essentials to unexpected expenses. ![Thumbs Up](https://cdn.advanceamerica.net/public/media/images/2024-02/thumbs-up_0.svg)### Transparent rates Surprises are nice, but not when you're borrowing money. [Explore our rates](https://www.advanceamerica.net/store-locations/state#rates-section-online-loans) before you even apply. ![Convenience](https://cdn.advanceamerica.net/public/media/images/2024-05/Convenience.svg)### Fixed payments View your payment date(s) when signing your loan agreement and anytime you access your online account. ![Collateral-Car](https://cdn.advanceamerica.net/public/media/images/2024-07/carTag.svg)### Collateral not required Our Installment Loans, Lines of Credit, and Payday Loans never require collateral. If you prefer a secured loan, we’ve partnered with LoanCenter to offer Title Loans in certain states. ![Credit Card](https://cdn.advanceamerica.net/public/media/images/2024-02/credit-card.svg)### Good credit not required We base our loan approval decisions on income and employment status rather than your credit score, so you may still be approved for a Personal Loan with poor or no credit. ## The Advance America advantage Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including [Payday Loans](https://www.advanceamerica.net/loans/personal-loans), [Online Loans](https://www.advanceamerica.net/loans/online-loans), [Installment Loans](https://www.advanceamerica.net/loans/installment-loans), [Title Loans](https://www.advanceamerica.net/loans/title-loans) and [Personal Lines of Credit](https://www.advanceamerica.net/loans/line-of-credit). 157+ million loans issued 700+ stores and online loans 28+ years providing loans [Apply Now](https://www.advanceamerica.net/online) [Find a Store](https://www.advanceamerica.net/store-locations) ## Personal Loan rates & terms Advance America offers a variety of Personal 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. [Learn more](https://www.advanceamerica.net/store-locations/state#rates-section-online-loans) ## Personal Loan FAQs ### Is a Personal Loan secured or unsecured? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) Advance America offers both [secured and unsecured](https://www.advanceamerica.net/loans/personal-loans/secured-vs-unsecured-loan) Personal Loans. Our Payday Loans, Installment Loans, and Lines of Credit are unsecured. The Title Loans we offer through LoanCenter are secured because they require collateral in the form of your vehicle's title. ### What credit score do I need to get a Personal Loan? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) You don't need a certain credit score to qualify for an Advance America Personal Loan. When reviewing your application, we consider factors in addition to your credit, such as your income and employment status. This means you could still qualify for a [Personal Loan with fair, poor, or no credit](https://www.advanceamerica.net/loans/personal-loans/personal-loans-for-bad-credit). ### Are Personal Loans safe? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) Surprises are nice, but not when you're borrowing money. [Explore our rates](https://www.advanceamerica.net/store-locations/state#rates-section-online-loans) before you even apply Personal 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](https://www.trustpilot.com/review/advanceamerica.net). Any information you submit for your Personal Loan application is sent through our secure server and kept in an encrypted database. For more details, see our [Privacy Policy](https://www.advanceamerica.net/privacy-and-terms). ### Do Personal Loans require collateral? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) Personal Loans with Advance America may require collateral. We offer [unsecured and secured loans](https://www.advanceamerica.net/money-saving-tips/credit/secured-vs-unsecured-loan). Secured loans require the borrower to provide collateral. Unsecured loans, like, [Payday Loans](https://www.advanceamerica.net/loans/payday-loans), [Installment Loans](https://www.advanceamerica.net/loans/installment-loans), and [Lines of Credit](https://www.advanceamerica.net/loans/line-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 get with a Personal Loan? ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) The amount of money you can borrow with a Personal Loan is regulated by state law and will depend on your income, employment status, and other qualifying factors. [Enter your location](https://www.advanceamerica.net/store-locations) to view loan amounts and fees in your state. ## Proudly serving our customers ## Advance America Personal Loan customer reviews "Outstanding customer service" — Personal Loan customer, 06/18/2026 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) "Phillip is us great employee very helpful " — Personal Loan customer, 06/18/2026 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) "Great customer service " — Personal Loan customer, 06/18/2026 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) [Read more reviews](https://www.advanceamerica.net/customer-reviews) ## More about Personal Loans [ ![loans for 19-year-olds](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2026-01/aa-blog-19yrloan.jpg.webp?itok=GNfgpv5B) Where Can a 19-Year-Old Get a Small Personal Loan? At 19, you may be navigating college, work, and adult life. Add a hefty expense like a car repair or textbooks to the mix, and adulting can become overwhelming. ](https://www.advanceamerica.net/loans/personal-loans/loans-for-19-year-olds) Did you know? Getting a personal loan with Advance America is quick and easy. [Apply now](https://www.advanceamerica.net/online/) [ ![family decorating christmas tree](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2024-11/AA_December_Money_Tips_Blogs_morecash_111124%20%282%29.png.webp?itok=EF1FdJuf) Holiday Loans: Where to Find Extra Cash This Season (Even if You Have Bad Credit) The holiday season is a joyous time filled with Christmas carols, gift-giving, and delicious food. But as much as there is to celebrate, the season can also bring financial stress. ](https://www.advanceamerica.net/loans/personal-loans/holiday-loans) [ ![young people working](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2025-09/young%20people%20working.jpg.webp?itok=sqpInN7o) Are There Loans for 18-Year-Olds with Little or No Credit History? Turning 18 is a big milestone! You’re stepping into adulthood, making life-shaping decisions, and building your future. ](https://www.advanceamerica.net/loans/personal-loans/loans-for-18-year-olds) [ ![$5000 loan](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2025-08/How_to_Get_Loan_Fast_Blog_5000.png.webp?itok=3g7QOohy) How to Get a $5,000 Loan Quickly When life brings big expenses — like major car repairs, home projects, or medical bills — having access to extra cash can make a real diffe ](https://www.advanceamerica.net/loans/personal-loans/5000-loan) [ ![$4000 loan](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2025-07/How_to_Get_Loan_Fast_Blog_4000%201.png.webp?itok=qepoRJg1) How to Get a $4,000 Loan Feeling squeezed by rising costs or an unplanned expense? A $4,000 loan* could help you stay on track.  ](https://www.advanceamerica.net/loans/personal-loans/4000-loan) Load More