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

Personal Loans

  • Receive money same day.* 
  • Simple repayment terms. 
  • Good credit not needed.
Apply now
Learn about available loans in your state.

"Quick,fast and easy"

— customer, 04/10/2021

trustpilot 5 star rating 4.9 out of 5 based on 115,250 reviews 115,250 reviews on Google 5 stars200,000+ 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.

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Pay for what you need

Personal Loans are a convenient way to get the money you need fast.
  • decorative iconGroceries
  • decorative iconMedical bills
  • decorative iconDebt consolidation
  • decorative iconRent or mortgage payments
  • decorative iconHome renovations
  • decorative iconCar maintenance or repairs
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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
Find a store

Getting a Personal Loan is as easy as 1‑2‑3

loans 101 - personal loans
loans 101 - personal loans

1

Start your application 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
Find a store

What you need to apply

To apply for a Personal Loan, 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 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
Flexibility

Flexibility

Use the funds to cover any expense, from everyday essentials to unexpected expenses.

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Transparent rates

Surprises are nice, but not when you're borrowing money. Explore our rates before you even apply.

Convenience

Fixed payments

View your payment date(s) when signing your loan agreement and anytime you access your online account.

Collateral-Car

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

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

25+ years in business
Since 1997, millions of customers have benefited from our 5-star financial services.
157+ million loans issued
Our knowledgeable staff and straightforward solutions make it easy to get the money you need.
800+ stores
Whether you visit a store or apply from your phone, our money solutions are always accessible.

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

Personal Loan FAQs

Is a Personal Loan secured or unsecured?

Advance America offers both secured and unsecured 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?

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.

Are Personal Loans safe?

Surprises are nice, but not when you're borrowing money. Explore our rates 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. 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.

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, Payday Loans, 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 get with a Personal Loan?

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 to view loan amounts and fees in your state.

Proudly serving our customers

Advance America Personal Loan customer reviews

"Great service very happy "

— Personal Loan customer, 07/05/2025

5 star rating

"Tiffany was wonderful, knowledgeable. Will send as many customers as possible."

— Personal Loan customer, 07/05/2025

5 star rating

"Excelente customer service. I have been a customer for more than 10 yrs. They are like family. 🙌❤️"

— Personal Loan customer, 07/05/2025

5 star rating

Read more reviews

More about Personal Loans

Personal Loans for Bad Credit What Credit Score Do You Need to Get a Personal Loan? Personal Loans for Home Improvement Personal Loans 101