# Advance America's Terms [ Application Terms ](#application) ![Down arrow](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/down-arrow-white.svg) - [ Application Terms ](#application) - [ Website Terms ](#website) - [ Automated Call & Text Policy ](#call-and-text) ## Application Terms Updated: June 2026 [ Download PDF Version ](https://cdn.advanceamerica.net/public/media/documents/2026-08/application-terms-26.06.03.pdf) **GENERAL TERMS & CONDITIONS** Certain limitations apply. Loans, advance requests, and extension requests subject to approval. If we are unable to verify your application electronically, we may ask you to provide certain documents before final approval. You certify that the information you provide is true and correct. Any false statement made shall be sufficient basis for rejection, and you authorize verification of the truthfulness of all information you provide, including verification of income and banking information. You authorize us to perform credit checks, searches and/or analysis of data in certain state-required databases, as well as other commercially available and/or proprietary databases, in order to verify the truthfulness or accuracy of your information or determine whether you qualify for credit. You expressly authorize Advance America to contact you or to leave a message for you in connection with your application. See our Automated Call & Text Policy below. You acknowledge that your application and any supporting documentation provided is the property of Advance America. Any information you provide is kept secure and private. See our [Privacy Policy](https://www.advanceamerica.net/privacy-and-terms "Privacy and Terms"). You understand that income from alimony, child support or separate maintenance payments need not be revealed if you do not wish to have it considered as part of your application. **IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT** To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. **ARBITRATION (DISPUTE RESOLUTION)** If you have any dispute with us or if we have any dispute with you arising from your application, then both you and we must seek resolution of the dispute in either small claims court or in arbitration. If your dispute cannot be filed in small claims court because of its nature or the relief you seek, then you must seek resolution of your dispute in arbitration. Regardless of the forum, you may not pursue the resolution of any dispute in a representative, private attorney general, or class action, and you may not be a named or unnamed class member in any such action. If you seek resolution of your dispute in arbitration, we will pay the arbitrator’s fees and any other expenses attributable to the arbitration. In addition, if you recover an award of monetary and/or equitable relief that is greater than any we previously offered to settle your dispute, then we will pay your reasonable attorney fees. Regardless of the result of the arbitration, we will not be entitled to recover any fees or arbitration expenses from you. The arbitration hearing will be held at a location of your choice within your home state with a nationally recognized provider of arbitration services. The rules of the arbitration provider will apply, except that the parties may engage in such discovery as would be permitted by the Federal Rules of Civil Procedure. This dispute resolution agreement does not alter any substantive rights that you may have under State or Federal law, including, without limitation, any right you may have to be awarded statutory or punitive damages. This dispute resolution agreement is your and our exclusive procedure for resolving any dispute. You may unilaterally opt out of this dispute resolution agreement by following the procedure outlined below. We may not opt out unless you first opt out. If you or we request confidentiality, all aspects of the arbitration proceedings and any arbitration award or decision will remain strictly confidential, except only for the purpose of appealing or obtaining confirmation of the final arbitration award in the appropriate court of law. In addition, if either you or we request confidentiality, all non-public documents, testimony, and information produced, received, heard, or used in the arbitration will be used only for purposes of the arbitration and will not be disclosed to any person. Confidential information may, however, be disclosed to the parties to the arbitration, their respective attorneys and their staff, the arbitrator and personnel of the arbitration association, court reporters, and any person retained as an expert witness in the arbitration if the expert witness agrees to maintain all documents, information, and testimony in strict confidence. Nothing in this provision prohibits confidential information from being disclosed to those who received or participated in the creation of the confidential information at the time it was created. Nothing in this paragraph will prevent you or us from disclosing information regarding the arbitration if necessary to enforce an arbitration award. You and we further agree to cooperate in obtaining the arbitrator’s agreement to preserve the confidentiality of the arbitration and information produced or used in the arbitration. If any portion of this dispute resolution provision cannot be enforced for any reason, the rest of the dispute resolution provision will continue to apply, except in the following two instances. First, if a court rules that the arbitrator can resolve a dispute on a class or collective basis and that ruling becomes final after all appeals have been exhausted, then this entire dispute resolution provision (except for this sentence) will be void. Second, if a claim is brought seeking public injunctive relief and a court determines that the restrictions in this dispute resolution provision prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such claim, and that determination becomes final after all appeals have been exhausted, then the claim for public injunctive relief will be determined in court and any individual claims seeking monetary relief will be arbitrated. In such a case, the parties will request that the court stay the claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. The parties specifically agree that in no event shall a claim for class relief or public injunctive relief be arbitrated. **DISPUTE RESOLUTION OPT-OUT** Within 30 days after entering into this agreement, you may opt out of the above dispute resolution (arbitration/class action waiver) provision by sending a letter to Advance America, Attn: Arbitration Opt Out, P.O. Box 2187, Greenville, SC 29602. You may opt out each time you apply with us, but you must send a separate opt-out letter for each application. Please include your name, address, social security number, and application date in your letter. **CLASS ACTION WAIVER** You agree not to pursue the resolution of any dispute with us in any forum as a representative, as a private attorney general, or as part of a class action, and you may not be a named or unnamed class member or representative in any such action. **AUTOMATED CALL & TEXT POLICY** When you provide us your cell phone number and opt in to our text messaging program, you consent to being contacted at your mobile number by means of an automated telephone dialing system (ATDS), artificial or prerecorded voice messages, and text messages (SMS) regarding you application, your account, the servicing of your account, fraud alerts, and marketing or promotional offers. Your cellular provider’s message and data rates may apply to our confirmation message and all subsequent messages. We do not charge you for any text messages we send you. You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. Please notify us immediately if you change mobile numbers or plan to provide your phone to another person. If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy and we may terminate our text message program at any time. Your text message consent/opt-in will not be shared with any nonaffiliate for marketing purposes. If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us at or [1 (844) 556-2648](tel:1-844-556-2648). By opting in, you agree and expressly consent to be contacted by us, our agents, employees, and/or affiliates through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including with the use of automatic telephone dialing systems, auto dialers, or an artificial or prerecorded voice. **Opt-out or STOP** If you wish to stop receiving marketing text messages from us, reply to any marketing text message we have sent you with STOP. If you wish to stop receiving account maintenance text messages from us, such as payment reminders, reply to any account maintenance text message we have sent you with STOP. If you wish to stop receiving all text messages from us, type STOP ALL in the reply text you send us. Your stop request will become effective within one day. **Help or Support** If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type HELP. Upon receiving your text message, we will send you a text message with our phone number, a link to this policy, and instructions on how to stop text messages. The number of text messages that we send to you per month will depend on your specific account details. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access. ## Website Terms of Use Updated: June 2026 [ Download PDF Version ](https://cdn.advanceamerica.net/public/media/documents/2026-08/website-terms-26.06.03.pdf) **Session Recording & Monitoring** By using this site, you consent to our use of session monitoring and replay technology to collect information about your interactions with our site. This includes: - User Interactions (e.g., mouse movement, clicking, scrolling, and other navigation patterns); - Session Recordings (e.g., visual reproduction of your browsing); - Collection of Technical Information (e.g., browser type, device information, screen resolution, operating system, and IP address); and - Page Performance Data (e.g., load times, errors, and other technical issues) We use Session Monitoring and Replay Tools to: - Improve your experience by identifying and correcting technical issues; - Understand how visitors navigate our website to enhance functionality; - Troubleshoot any problems you may encounter; - Optimize website performance and design; and - Provide better customer support How We Protect Your Information: - Sensitive form fields are automatically masked or excluded from session recordings; - Session data is stored securely with access restricted to authorized personnel only; - We implement security measures to protect collected data according to industry standards; and - Data retention is limited as necessary for the purposes described above; Third-Party Service Providers: Session monitoring data may be processed by third-party service providers who assist us in operating our website. These providers are contractually obligated to protect your information and use it only for the purposes we specify. **Intellectual Property** This site is managed by Purpose Financial, LLC on behalf of its operating subsidiaries. The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are protected intellectual properties owned by AARC, LLC its licensees, or other third parties who have authorized use of such properties on this site. AARC will aggressively enforce its intellectual property rights to the fullest extent of the law. **Your Use of this Site** AARC grants you permission to view and make copies of documents, pages, images or other materials or content on this site for the purposes of obtaining a services or credit from Purpose Financial, LLC or its subsidiaries for non-commercial, personal use. AARC reserves all other rights in this web site and its contents. You may not distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of AARC. Except as expressly provided on this site, nothing contained on this site shall be construed as conferring any right or license under any trademark, copyright or other intellectual property right. **Limitation of Liability and Disclaimer of Warranties** AARC uses reasonable efforts to ensure that the information on this site is accurate, but cannot guarantee such accuracy. AARC makes no representations regarding the use or results of any content on this site as to its accuracy, reliability or any other matter. NEITHER AARC NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. Everything on this site is provided "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Because some jurisdictions may not allow the exclusion of implied warranties or limitation of certain types of damages, some of the above exclusion limitations may not apply to you. Check your local laws. **Linking** This site may contain links to sites maintained by third parties. AARC is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites. **Privacy** AARC will use any personal data supplied through this site in accordance with Advance America’s Privacy Policy. **Offers Void in Some States** The offers advertised on this site may be void in some states. Check your local stores for details. **Law and Venue** Your use of this site is governed by the laws of the State of South Carolina, without regard to its choice of law provisions. The Greenville County, South Carolina Courts of generaljurisdiction will be the exclusive venue for litigating disputes arising out of these Terms and Conditions of Use or your use of this site. Please visit your local stores for details. **Users Outside U.S.** This site is maintained by AARC from its corporate offices in Greenville, S.C., U.S.A. AARC makes no representation that the documents, pages, images or other materials or content on this site are appropriate or available for use in jurisdictions outside the U.S.A. **Modification** AARC reserves the right to modify these terms and conditions from time to time. Your use of this site after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions. **AUTOMATED CALL & TEXT POLICY** When you provide us your cell phone number and opt in to our text messaging program, you consent to being contacted at your mobile number by means of an automated telephone dialing system (ATDS), artificial or prerecorded voice messages, and text messages (SMS) regarding you application, your account, the servicing of your account, fraud alerts, and marketing or promotional offers. Your cellular provider’s message and data rates may apply to our confirmation message and all subsequent messages. We do not charge you for any text messages we send you. You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. Please notify us immediately if you change mobile numbers or plan to provide your phone to another person. If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy and we may terminate our text message program at any time. Your text message consent/opt-in will not be shared with any nonaffiliate for marketing purposes. If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us at or [1 (844) 556-2648](tel:1-844-556-2648). By opting in, you agree and expressly consent to be contacted by us, our agents, employees, and/or affiliates through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including with the use of automatic telephone dialing systems, auto dialers, or an artificial or prerecorded voice. **Opt-out or STOP** If you wish to stop receiving marketing text messages from us, reply to any marketing text message we have sent you with STOP. If you wish to stop receiving account maintenance text messages from us, such as payment reminders, reply to any account maintenance text message we have sent you with STOP. If you wish to stop receiving all text messages from us, type STOP ALL in the reply text you send us. Your stop request will become effective within one day. **Help or Support** If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type HELP. Upon receiving your text message, we will send you a text message with our phone number, a link to this policy, and instructions on how to stop text messages. The number of text messages that we send to you per month will depend on your specific account details. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access. **POLÍTICA DE LLAMADAS AUTOMATIZADAS Y MENSAJES DE TEXTO** Cuando nos proporciona su número de teléfono celular y se inscribe en nuestro programa de mensajes de texto, usted consiente ser contactado en su número móvil mediante un sistema automático de marcación telefónica (ATDS), mensajes de voz artificiales o pregrabados, y mensajes de texto (SMS) relacionados con su solicitud, su cuenta, la administración de su cuenta, alertas de fraude, y ofertas de publicidad o promoción. Las tarifas de mensajes y datos de su proveedor de telefonía celular pueden aplicarse a nuestro mensaje de confirmación y a todos los mensajes posteriores. No le cobramos por ningún mensaje de texto que le enviemos. Usted entiende que los mensajes de texto que le enviamos pueden ser vistos por cualquier persona que tenga acceso a su teléfono. Por lo tanto, debe tomar medidas para proteger su teléfono y sus mensajes de texto si desea que permanezcan privados. Por favor, notifíquenos de inmediato si cambia de número de teléfono móvil o si planea entregar su teléfono a otra persona. Si modificamos esta Política de Mensajes de Texto, le notificaremos enviándole un mensaje de texto con un enlace a la nueva política, y podemos cancelar nuestro programa de mensajes de texto en cualquier momento. Su consentimiento/inscripción para recibir mensajes de texto no será compartido con ninguna entidad no afiliada con fines promocionales. Si tiene alguna pregunta sobre esta política, desea que le enviemos una copia impresa de esta política por correo, o tiene problemas para recibir o detener nuestros mensajes de texto, comuníquese con nosotros en o al [1 (844) 556-2648](tel:1-844-556-2648). Al inscribirse, usted acepta y consiente expresamente ser contactado por nosotros, nuestros agentes, empleados y/o afiliados mediante el uso de correo electrónico y/o llamadas telefónicas y/o mensajes de texto SMS a sus números de teléfono celular, residencial o laboral, así como a cualquier otro número de teléfono que haya proporcionado en relación con esta cuenta, incluyendo el uso de sistemas automáticos de marcación telefónica, marcadores automáticos o voz artificial o pregrabada. **Exclusión o PARAR** Si desea dejar de recibir mensajes de texto de promocionales de nuestra parte, responda a cualquier mensaje de texto de promocionales que le hayamos enviado con la palabra PARAR. Si desea dejar de recibir mensajes de texto de mantenimiento de cuenta de nuestra parte, como recordatorios de pago, responda a cualquier mensaje de texto de mantenimiento de cuenta que le hayamos enviado con la palabra PARAR. Si desea dejar de recibir todos los mensajes de texto de nuestra parte, escriba PARAR en el mensaje de respuesta que nos envíe. Su solicitud de exclusión entrará en vigencia en un plazo de un día. **Ayuda o Soporte** Si en algún momento necesita nuestra información de contacto o información sobre cómo detener los mensajes de texto, responda a cualquier mensaje de texto que le hayamos enviado y en el mensaje de respuesta simplemente escriba AYUDA. Al recibir su mensaje de texto, le enviaremos un mensaje con nuestro número de teléfono, un enlace a esta política e instrucciones sobre cómo detener los mensajes de texto. La cantidad de mensajes de texto que le enviamos por mes dependerá de los detalles específicos de su cuenta. Algunos de los mensajes de texto que enviamos pueden incluir enlaces a sitios web. Para acceder a estos sitios web, necesitará un navegador web y acceso a Internet.