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Advance America

Advance America offers a wide selection of quick cash and financial services through their website and over 2,400 retail locations. Founded in 1997 with just a few lending centers in the Southeast, Advance America has become one of the nation’s largest consumer lending companies serving hundreds of millions of customers.

When you come to an Advance America location, you will need a few things to get your cash advance started. First, bring in your completed application, or simply fill one out at the center. You will need a photo ID, valid checking account, and a job with a steady income. Try to also bring a pay stub, recent bank statement and a blank check.

After you have all this information and apply for a cash advance, you may be approved in as little as 15 minutes. Depending on the state you reside in, you will be allowed to borrow from $100 to $1,500 dollars. Your financial situation will also factor into how much you will be permitted to borrow. Once the amount is determined, you will fill out a post-dated check for the amount of money borrowed and financial fees for the loan.

Finance fees are charged in every state and for every loan that you receive from a payday lending company. They vary, but will usually be between $10 and $30 for every $100 that is borrowed. For example, if a customer borrows $300, they may have to repay between $330 and $390. Make sure that you know the rules and fees of your specific state before getting into a situation that you may have difficulty paying back.

After you fill out your post-dated check, your application process should be complete. The whole process should take less than an hour. There are no credit checks, which speeds the process up and almost guarantees an approved loan. Advance America may check with a company called Vital Check, which looks into a person's history to see if they have any outstanding payday loans with another company. However, this is the only type of check Advance America will perform, and as long as you do not have any delinquent loans, you should be approved for your cash advance.

Advance America Ratings

0 is lowest, 5 is highest
  • Average 4.3
  • Service 5
  • Cost 3.5
  • Time 4.5
  • Use Again 4

Advance America Reviews

AdvanceAmerica doesn't deliver what they promise

I applied for a quick $100 loan hoping this would be the answer to my problem. I received an email saying "becuase the application wasn't signed on the same day as the process day, it had to be signed again. I signed it and received another email saying my application was withdrawn. There was no reason given for the withdrawal. So I applied again. I received another application withdrawn email. Then it dawned on me, you have to have good credit to get a loan with them. It they had just been up front and said they only service people with good credit, then I wouldn't have wasted my time creating an account with them. What's the point of offering help to people if you're not really going to give it to them? From: Anonymous Location:
  • 0 Average
  • 0 Service
  • 0 Cost
  • 0 Time
  • 0 Use Again

Rates a LOT higher than others

I just have one thing to say: LOOK AROUND. The rates at Advance America are a lot higher compared to other PDL companies. While the service was good, it is because of the rates that I will not be a returning customer. From: Anonymous Location: Illinois
  • 2.75 Average
  • 5 Service
  • 1 Cost
  • 4 Time
  • 1 Use Again

It pays to use AdvanceAmerica

I love AdvanceAmerica. I've been getting loans from them for quite some time now, and since I've never once been late on a payment, they are giving me really, really good rates. I get better rates with them than I would at my bank! From: Doc Location: Wisconsin
  • 5 Average
  • 5 Service
  • 5 Cost
  • 5 Time
  • 5 Use Again

Advance America is easy to use.

After I filled out the necessary form I was contacted by a representative about an hour later.....I got approved and got my cash the next day. It was an easy system to use. I would definitely use Advance America again. From: Julie H. Location: Reno, NV
  • 4.5 Average
  • 5 Service
  • 4 Cost
  • 4 Time
  • 5 Use Again

Thanks AdvanceAmerica

I don't know what I would have done without AdvanceAmerica. getting a loan with them took no time at all. From: Anonymous Location: Texas
  • 4.75 Average
  • 5 Service
  • 4 Cost
  • 5 Time
  • 5 Use Again