Advance America's Customer Demographics

National Customer Demographics

Research shows most of our customers are from middle-income, educated, working families. Consumers who seek short-term financial assistance from Advance America are your neighbors, business associates and those you interact with on a daily basis.

Our customers turn to short-term loans as a reasonably priced, well-regulated option for meeting short-term financial needs and unexpected, relatively low-dollar, unbudgeted expenses.

Like all consumer financial service providers, our centers are located in population centers and areas where customers live, work and shop. We do this for the convenience of our customers, who represent a broad demographic segment and cannot fairly be grouped based on race, sex, religion or similar characteristic.

Middle-Income, Working Americans


Typical short term loan customer demographics
























  Advance America Payday Lending Customers* U.S. Census 2010
Average age (years) 41 39
Median Household Income $55,238 $50,046
Homeowners 78% 65%
High School Degree or Higher 94% 85%

*Based on 968,000 records from February 2014 to February 2015.

Financial Relationships

  • As a requirement for obtaining a cash advance, customers must have proof of an active checking account with a bank or credit union.

  • Half of customers have overdraft protection on their checking accounts.

  • Fifty percent of customers have at least one major credit card, 35 percent have credit card(s) with credit available.


Quote regarding payday loan customers

The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
157+ million
loans issued
800+ stores
and online loans
25+ years
providing loans