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Advance America Loans- What Are They Like?

Advance America is a loan company with over 2000 locations across the United States and Canada. It offers payday loans, cash advances, check cashing, and bill payment services.

You can find the Advance America storefront in over half of the US. Based on where you reside, you might be able to get an installment loan or title loan as well as a line of credit and leave the store with cash in the bank. An Advance America cash advance can be a good option when you are cash strapped.

Where can I find an Advance America store close to me?

Advance America has a map tool available on their website to assist you in finding branches that are in the area you live in. Take these steps to begin:

  1. Check out the Advance America website and click Stores on the top menu.
  2. Simply click “Use my current place of residence to enter your zip code.
  3. Select a location from the list below to locate the address, contact number, and available services.

States in which Advance America loans are available on the internet

You may also request a payday loan and other loan options through Advance America online if you reside in one of the following states:

What is the process for getting a payday loan at Advance America?

If you want to apply for a payday loan  in the Advance America store, follow these steps:

  1. Go to the Advance America location and speak to one of the representatives.
  2. Apply for a payday loan with your personal information, including details about your Social Security number and proof of your earnings.
  3. You should wait for an answer from the lending institution.

The whole process of getting an Advance America cash usually is about 15 minutes. If approved for an advance America loan, you’ll receive your loan money immediately.

How can I qualify for a loan at advance America?

If you go to the Advance America store, be sure to bring the following information on hand:

  • Photo ID issued by the government
  • Proof of a checking account that is active (similar to an account statement from a bank
  • Documentation of income like a pay stub or benefits letter, or direct deposit notice
  • Social Security number
  • Check the check — it varies according to the state

If you intend to borrow title loans at America Cash Advance, make sure you are to bring along your car’s unreliability-free title along with the car itself proof of residence as well as proof of insurance, depending on where you reside.

Types of loans you can apply at Advance America

There are many types of loans available at Advance America. Some of the most common types include:

Cash Advances and Payday Loans

You must repay payday loans in full upon your next payday. For payday loans and cash advances, borrowers pay a fee for each $100 borrowed.

Installment Loans

This loan is more significant than a cash advance and payday loan. You must pay in equal monthly payments over 12 months. A fee applies for each $100 borrowed up to the first $1,000 and interest is charged on all amounts after that point. An origination fee may apply to the total amount due at closing if approved for a loan. A returned payment fee also applies.

Credit Builder Loans

This loan from Advance America allows you to build your credit history with an installment plan that’s right for you. The minimum loan amount is $100, and there are no charges for additional extensions through the Credit Builder program as long as the account remains in good standing. Unlike payday loans, there is no origination fee on either of these options.

Cash Loans Against Your Tax Refund

Cash loans from Advance America are available as a lump-sum advance against your federal income tax refund or as installments up to,000. Even those with poor credit or no credit score can apply for this type of loan. Interest rates range from 45% APR to 200% APR for cash advances when borrowers choose the installment option.

No Credit Check Loans

these loans are for applicants with a bad credit score. This is an unsecured form of lending that does not require credit score verification. You are still under review by Advance America’s underwriting system to determine whether you qualify for this loan offering and what interest rate will apply. There is an origination fee of $25 on this loan.

What are the other services that Advance America offers at its stores?

In addition to the short-term loan you need, Advance America also offers several other products and services.

  • Prepaid debit cards
  • MoneyGram money transfer
  • MoneyGram bill pay


The Consumer Financial Protection Bureau (CFPB) does not require lenders to evaluate your ability to pay back the loan. It also applies to Advance America. This puts you at the risk of being stuck in a cycle of debt. Take a careful look at your finances and the loan’s cost to ensure that it’s within your budget.

Before you get a loan from Advance America

Installment, payday, and auto title loans from Advance America have high-interest rates and charges that could trap you in a cycle of debt. The borrower may take out a third or fourth loan because they were unable to repay the first in time.

Look at other options before you decide to take Advance America short-term loans.

  • The local resources. Non-profits, government agencies, and local charities usually provide free financial aid and assistance with utilities, food, and rent to those in need.
  • Payment extensions. Contact your bill service provider about a more extended payment plan or an extension of the due date if you’re not paying on time.

Bottom line

Advance America covers its bases by providing the three most popular types of short-term loans across 28 states. However, before you embark on the journey, read our review of Advance America and find out how to use online payday loans to make sure you know the impact of borrowing on your financial situation.


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