Advance Financial Reviews

Advance Financial Online Line Of Credit

Advance Financial offers online FLEX Loans in all 50 states of the United States, allowing consumers to take out money when they need it and pay it back at a fair rate. They also offer installment loans in several areas, as well as other services including money transfers and bill payments.


  • No collateral is required.
  • Customer assistance is available 24 hours a day, 7 days
  • Terms that are adaptable
  • Application and approval over the internet


  • The costs are prohibitively expensive.
  • Not all states have this option.


Residents of certain states can use Advance Financial’s online loan services. However, loans carry large fees and are expensive kinds of borrowing. Customer support is available 24 hours a day.

What is Advance Financial, exactly?

Residents of 13 US states may get fast, online FLEX loans from Advance Financial. A FLEX loan allows an applicant to take out any amount between $25 and $4,000 at any time and then repay the loan, plus fees and interest, inconvenient installments that correspond to the borrower’s pay date.

An ID photo and proof of income are required for a FLEX Loan. If you are accepted for a FLEX Loan, they will deposit cash into your bank account the next business day.

In Alabama, Delaware, Idaho, Kansas, Mississippi, Missouri, North Dakota, South Carolina, Tennessee, Utah, Virginia, and Wisconsin, Advance Financial provides online FLEX Loans. Throughout Tennessee, in-store service is provided. In Mississippi, Texas, and Wisconsin, Advance Financial offers installment loans.

Interest rates on financial loans and other costs

Annual percentage rates for Financial FLEX Loans vary according to the state in which the borrower resides, but they often range from 240 percent to 360 percent.

The FLEX Loan payment date is aligned with your pay date at Advance Financial. You have the option of paying any amount less than the minimum payment up to the full amount owing on the due date. Remember that making your payment on time has a direct impact on the total financing charges for the loan.

When you pay off your loan early, Advance Financial does not charge you any fees. Visit the website to learn more about the interest rates and fees in your state.

Frequently Asked Questions

Is it possible for Advance Financial to run a credit check?

When you apply for a FLEX Loan or an installment loan, Advance Financial does a credit check. You’ll also need a government-issued photo ID and proof of income.

How does the FLEX Loan from Advance Financial work?

Depending on your credit limit, the Advance Financial FLEX Loan allows you to withdraw any amount between $25 and $4,000 at any time. Repay the loan with fees and interest on due dates. They are usually scheduled to coincide with your payday. When you pay, you can withdraw funds as much as you like up to the credit limit.

What happens if I don’t make my Advance Financial payments?

Interest will continue to accumulate if you do not repay. Advance Financial may submit your account to a collection agency at any time.

How long will it take for Advance Financial to approve a credit application?

According to Advance Financial’s website, upon loan approval, they will send the money to your account within a day.

Are you looking for a payday loan?

Advance Financial offers FLEX Loans that are not the same as a payday loan. FLEX Loans are available, as well as installment loans, which have longer periods.

Where can I look for Advance Financial?

They offer loans in Alabama, Delaware, Idaho, Kansas, Mississippi, Missouri, North Dakota, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin.

Is Advance Financial a reputable company?

Advance Financial is a legal way to get fast cash online without putting up any kind of collateral. It appeals to individuals who need to borrow because of its flexible, 24-hour loan service. However, the high charges and rates of interest must be understood before signing the loan contract.

How do I know I can trust these Advance Financial testimonials?

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Jason RathmanJason Rathman
Jason Rathman
Financial Expert at GreenDayOnline
Jason writes about all financial topics such as loans, debt solutions, and bankruptcy. He is an expert when it comes to subjects like APR, loan fine print, debt collection laws within the United States. With his in-depth knowledge of all things financial, he is a great asset to Greendayonline.
Jason RathmanJason Rathman
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Author D Laidler

I am David, economist, originally from Britain, and studied in Germany and Canada. I am now living in the United States. I have a house in Ontario, but I actually never go.  I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.

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A personal loan is a medium term loan with a fixed interest rate that is repaid in equal monthly payments and it's usually limited to 24 months. Loan offers and eligibility depend on your individual credit profile. Our lenders can help you obtain as much as $3,000 depending on the lender, your state and your financial situation.

The owner and operator of is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning personal loan products and the industry is presented on the website for information purposes only. does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Online personal loans are not available in all the states. Not all the lenders in the network can provide the loans up to $3,000. cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a personal loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually. 


APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since is not a lender and has no information regarding the terms and other details of personal loan products offered by lenders individually, cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with, and has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a personal loan product. 

Late Payment Implications

It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document. 

Non-payment Implications

Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied. 

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means. 

Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.