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.
