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Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

2.7
(27 Ratings)

Advance America

Advertiser Disclosure

About Lender

Advance America was founded in 1997 and is headquartered in Spartanburg, South Carolina. The company was one of the pioneers of the payday lending industry and has grown to become one of the largest providers of payday loans and other financial services in the United States.

In the early 2000s, Advance America expanded its operations through a series of acquisitions and opened hundreds of new retail financial service centers across the country. In 2012, the company went public and became traded on the New York Stock Exchange.

Throughout its history, Advance America has faced a number of legal challenges and regulatory hurdles related to its payday lending practices. Despite these challenges, the company has continued to grow and expand its operations, serving millions of customers each year.

In recent years, the payday lending industry has come under increased scrutiny from consumer advocacy groups and regulators, who have raised concerns about the high fees and interest rates associated with payday loans and the potential for borrowers to become trapped in a cycle of debt.

Despite these challenges, Advance America remains one of the leading providers of payday loans and other financial services in the United States, offering various loan products to help customers meet their financial needs.

Its offers include payday loans, installment loans, online loans, personal lines of credit, and title loans. The main focus of the lender is short-term, small loans taken to cover unpredicted expenses or to get extra money until the next paycheck.

Advance America

Key Features

  1. Quick and easy application processes, with some loans available on the same dayю
  2. No hard credit check is required for some loansю
  3. Repayment options that may include automatic deductions on payday or fixed installment paymentsю
  4. Convenient locations and quick transactionsю
  5. Enhanced security features.

    Pros and Cons

    Pros

    Convenience. Advance America has a large network of retail financial service centers across the country, making it easy for borrowers to access cash quickly in an emergency.

    Quick Cash. Cash is typically available the same day for borrowers who are approved for a loan, making Advance America an attractive option for those who need money quickly.

    No Hard Credit Check. For some of Advance America's loan products, no hard credit check is required, making it possible for borrowers with poor credit to access cash.

    Cons

    High Costs. Advance America's loan products are often associated with high fees and interest rates, which can make it difficult for borrowers to repay the loan on time and avoid a cycle of debt. Maximum annual percentage rates of up to 664%.

    Short-Term Repayment. Advance America's payday loans are typically due on the borrower's next payday, which can be a tight repayment timeline for some borrowers.

    Potential for Debt Cycle. Borrowers who are unable to repay their loans on time may be charged additional fees and interest, making it even more difficult to get out of debt.

    Regulations. Some states have enacted strict regulations or banned payday lending altogether, which may impact a borrower's ability to access a loan from Advance America.

    Reliability

    The reliability of Advance America as a lender depends on a number of factors, including the terms and conditions of the loans offered, the borrower's ability to repay the loan, and the lender's reputation and customer service.

    In terms of the terms and conditions of the loans offered, it's important to carefully review the fees, interest rates, and repayment terms before applying. Some of Advance America's loan products have been criticized for their high fees and interest rates, which can make it difficult for borrowers to repay the loan on time and avoid a cycle of debt.

    In terms of the borrower's ability to repay the loan, it's important to only borrow what you can afford to repay, taking into account your income, expenses, and other financial obligations. Borrowers who take out a loan they cannot afford to repay may find themselves in a cycle of debt and unable to access credit in the future.

    How to Apply For an Advance America Loan?

    Apply For a Loan

    To get a loan from Advance America, you typically need to follow these steps:

    1. Apply for a Loan. You can apply for a loan from Advance America online or in-person at one of their retail financial service centers. You'll need to provide information such as your name, address, employment information, and financial information to apply.

    2. Review and Accept Loan Terms. If you're approved for a loan, Advance America will provide you with the loan terms and conditions, including the loan amount, interest rate, fees, and repayment terms. You'll need to review and accept these terms to receive the loan.

    3. Receive Funds. Once you've accepted the loan terms, Advance America will provide you with the loan funds. This can be done through direct deposit to your bank account or by receiving cash at one of their retail centers.

    4. Repay the Loan. As specified in the loan agreement, you'll need to repay the loan on the due date. Advance America may automatically deduct the loan repayment from your bank account on the due date, or you may need to repay the loan in-person at one of their centers.

    Conditions and Requirements

    Conditions

    Interest rates and fees vary from one state to another. When you apply for an installment loan from Advance America, you'll be asked for your zip code before you can see what offers are available. Once you know what rates are available in your area, compare them to the fixed interest rates on personal loans from other lenders.

    Advance America's interest rates might be rather expensive. Rates vary by loan type and state but are frequently in the triple digits. Payday loans in California, for example, include costs that amount to an annual percentage rate, or APR, of roughly 460%. Installment loans feature lower interest rates, but some have APRs that exceed 200%. For example, in South Carolina, an installment loan of $650 with a six-month term has an APR of 348.0%. You would have to pay back that $650 loan from South Carolina with $1,341.12. Check the Advance America website for the latest rates.

    If you wish to get a loan from Advance America, you can fill out an application online. It will give you an idea of the rates and upfront fees based on your state, loan amount, and how long you have to pay it back.

    Requirements

    To obtain a loan from Advance America, applicants must provide personal identification, proof of income, a bank statement, and a personal check. In many states, a debit card or ACH authorization can be used instead of a personal check. The specific conditions and requirements may vary based on the type of loan and state regulations.

    For a loan application, ensure to have:

    • Government-issued ID
    • Income proof
    • Checking account
    • Social Security Number or ITIN (only in store)
    • Personal check (mandatory in some states)

    For Online Title Loan application via LoanCenter, the requisites include:

    • Valid government ID
    • Vehicle (solely for inspection)
    • Vehicle title bearing your name
    • Income proof

    Ways to Receive the Money

    The disbursement of Advance America loans can take various forms. Funds can be deposited directly into your designated bank account, made available for cash pickup, or even funded to your debit card if you apply in-store, among other options.

    Products

    Apply For a Loan

    Advance America offers a variety of financial products and services, each with its own set of key features. Some of the key features of Advance America's products include:

    1. Payday Loans. Payday loans are short-term, unsecured loans that are typically due on the borrower's next payday.

    2. Installment Loans. These are longer-term loans that are repaid in equal payments over a set period of time.

    3. Title Loans. Title loans are secured loans that use the borrower's vehicle as collateral.

    4. Cash Advances. These are short-term loans that individuals can acquire quickly. They are designed to cover immediate financial needs until the next paycheck arrives.

    5. Line of Credit. This is a flexible borrowing option where a lender provides a set amount of funds to a borrower, who can draw from it as needed. Unlike a traditional loan, interest is only charged on the amount used, and once repaid, the credit becomes available again.

    6. Online Loans. These are financing options where the entire loan process, from application to approval and funding, occurs online. They offer a convenient way for individuals to access various loan

      Other Loans

      Reasons for Loan Refusal

      At Advance America, loans might be refused due to a low credit score, insufficient income, or high debt levels. While the specifics can vary, these financial factors are crucial in evaluating a loan application. Furthermore, Advance America does not provide details regarding your credit report; for that, you must contact the credit bureau directly. If there's an error on your credit report, it's your right to dispute the error with the credit bureau to potentially improve your loan approval chances with Advance America in the future.

      How to Repay an Advance America Loan?

      At Advance America, loan repayment is generally set for your subsequent pay date. They provide multiple repayment options for your convenience, such as in-person or online payments, though the availability may differ by state.

      Online loan payments are set to auto-debit from your bank account on the due date, or you can log in online or call 877-505-0701 to make a payment. For in-store loans, you'll need to return on the due date to repay the total amount. For early repayment, contact the originating store or call (844) 562-6480; in certain states, you might be eligible for a partial refund of your loan fee.

      Alternatives

      CashNetUSA

      Apply For a Loan

      CashNetUSA has been a trusted source for swift financial assistance during emergencies since 2004. If you need a $500$1,000 online loan, look no further, as CashNetUSA may have the solution you seek. Their fast funding options enable them to address unexpected expenses that require immediate attention. Whether it's a medical emergency, car repair, or any unforeseen financial setback, CashNetUSA is dedicated to providing timely support.CashNetUSA

      Speedy Cash

      Apply For a Loan

      Speedy Cash is a prominent financial institution catering to the urgent financial needs of residents in 27 states. With a diverse array of services, the company specializes in offering payday loans alongside various other types of loans. Whether customers require a small sum of $50 or seek more significant assistance with larger expenses, Speedy Cash is ready to address their financial requirements promptly with up to $1,500 payday loans. One of the key advantages of Speedy Cash is its remarkably swift turnaround time, with loan applications being processed and approved within just one day, ensuring that individuals can access the funds they need without unnecessary delays.Speedy Cash

      Cash Store

      Apply For a Loan

      At the Cash Store, customers can now access installment loans up to $3000, providing them with a practical solution for financial needs. With a fixed APR personal loan product that spans from 390% APR up to 780% APR, individuals can secure the funds they require while knowing exactly what to expect in terms of interest rates. The rates may vary depending on the state, ensuring customers are presented with options tailored to their specific location.Cash Store

      Ace Cash Express

      Apply For a Loan

      Ace Cash Express is a reputable financial services company that provides installment loans in several states, catering to individuals facing emergencies or unforeseen expenses. In Delaware, borrowers can access up to $2,000; in Florida, Missouri, and Texas, loan amounts range from $100 to $2,000. This flexible loan offering ensures that customers can obtain the necessary funds swiftly and conveniently. Whether it's a medical emergency, urgent car repairs, or any unexpected financial burden, Ace Cash Express aims to offer a reliable solution to its clients in times of need.Ace Cash Express

      Check Into Cash

      Apply For a Loan

      Check Into Cash is a reputable financial service provider that offers Installment Loans. These loans allow individuals to borrow a certain amount of money, typically ranging from $50 to $5,000, depending on the laws of their state. The maximum loan amount varies from one state to another, ensuring compliance with local regulations. With Check Into Cash, borrowers can access the funds they need to cover unexpected expenses or manage financial challenges.Check Into Cash

      Approved Cash

      Apply For a Loan

      Approved Cash is a trusted financial institution specializing in offering payday loans and cash advance services, catering to individuals needing immediate financial assistance. Whether you're facing unexpected expenses or find yourself short on funds, Approved Cash is here to provide the solution you need today. Applying for their loans is straightforward, ensuring quick access to the required funds.Approved Cash

      Editorial Opinion

      Advance America, a prominent player in the lending industry, offers a range of financial solutions catering to individuals needing immediate funds. While the convenience and accessibility of their services are undeniable, there's a deeper conversation to be had about the implications of such lending practices. Critics argue that while short-term loans can provide a lifeline during emergencies, they often come with high-interest rates and fees that can lead to a debt cycle for borrowers already financially vulnerable. It's crucial to acknowledge that the demand for quick and easy loans is driven by a systemic lack of financial literacy and an absence of affordable credit options. As such, the responsibility lies not only with companies like Advance America to ensure transparent terms and reasonable rates but also with society to address the root causes that lead individuals to seek out such services. The ongoing debate surrounding these types of lending institutions underscores the need for comprehensive financial education and more accessible alternatives to alleviate the financial burdens that often force people into such choices.

      Important

      Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

      How to Choose a Lender

      1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

      2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

      3. Carefully review all the terms and conditions of your payday loan contract.

      4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

      5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

      6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

      Methodology

      At Finanso, we've carried out a comprehensive analysis of over 100 lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

      In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

      At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

      Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

      Additional Resources

      Sources

      FAQ

      Is Advance America a legit loan company?

      The company is legal and offers payday loans, title loans, and installment loans in various locations around the country. However, scammers posing as employees of this financial company have already attacked unsuspecting clients in the past. To stop this fraud, the company works closely with authorities. Please inform Advance America and the laws if you notice any suspicious activity.

      How Do you Qualify For Advance America Loan?

      To qualify for a loan from Advance America, you typically need to meet the following requirements:

      1. Age. You must be 18 years of age or older to apply for a loan.
      2. Residency. You must be a resident of the state where you're applying for the loan.
      3. Income. You must have a steady source of income, such as a job, government benefits, or pension.
      4. Banking Information. You'll need to provide Advance America with your bank account information so they can deposit the loan funds and deduct loan repayments.
      5. Identification. You'll need to provide a government-issued photo ID, such as a driver's license, to apply for a loan.

      It's important to carefully review the requirements and terms of the loan you're interested in, as they may vary depending on the type of loan and the state where you're applying. Borrowers should also be aware of state and local regulations regarding payday lending and other financial services, as these may impact the terms and conditions of the loans available to them.

      How Much Can You Borrow From Advance America?

      The amount you can borrow from Advance America will depend on several factors, including your state of residence, income, and credit history. Some of Advance America's loan products allow you to borrow up to $1,500, while others may have lower loan amounts available.

      Advance America's short-term loans, such as payday loans and installment loans, are typically designed to provide a small amount of cash to help you meet immediate expenses. These loans are typically due on your next payday or within a few weeks, and have high interest rates and fees.

      In addition to short-term loans, Advance America also offers other financial services, such as money transfers, check cashing, and bill payment services. The availability of these services and the maximum amounts you can borrow will vary depending on your state of residence and the services offered in your area.

      It's important to carefully consider the loan amount you need, as well as your ability to repay the loan on time, before taking out a loan from Advance America or any other lender. Borrowers should also be aware of state and local regulations regarding payday lending and other financial services, as these may impact the terms and conditions of the loans available to them.

      Does Advance America Approve Everyone?

      No, Advance America does not approve everyone who applies for a loan. The company uses a variety of factors to determine loan eligibility, including an applicant's income, credit history, and state of residency.

      Advance America is required by law to verify the information provided by loan applicants and to comply with state and federal regulations regarding payday lending and other financial services. This means that not everyone who applies for a loan will be approved, and some applicants may be required to provide additional information or documentation.

      It's important to keep in mind that just because you're approved for a loan from Advance America or any other lender, it doesn't necessarily mean that taking out the loan is the best financial decision for you. Borrowers should carefully consider their own financial situation and ability to repay the loan before accepting any loan offer.

      Company documents

      Privacy & Terms

      At Advance America, we believe that our customers are more than a transaction, and we know that with a little bit of help, they can keep going today and look forward to tomorrow.

      © Advance America
      Advance America service available in US States
      • Idaho
      • Iowa
      • Alabama
      • Alaska
      • Arizona
      • Arkansas
      • Wyoming
      • Washington
      • Vermont
      • Virginia
      • Wisconsin
      • Hawaii
      • Delaware
      • Georgia
      • West Virginia
      • Illinois
      • Indiana
      • California
      • Kansas
      • Kentucky
      • Colorado
      • Connecticut
      • Louisiana
      • Massachusetts
      • Minnesota
      • Mississippi
      • Missouri
      • Michigan
      • Montana
      • Maine
      • Maryland
      • Nebraska
      • Nevada
      • New Hampshire
      • New Jersey
      • New York
      • New Mexico
      • Ohio
      • Oklahoma
      • Oregon
      • Pennsylvania
      • Rhode Island
      • North Dakota
      • North Carolina
      • Tennessee
      • Texas
      • Florida
      • South Dakota
      • South Carolina
      • Utah
      Advance America service available in US States
      Financial products
      Advance America
      Online Loans
      Rating by Finanso®
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      The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

      Recommended FinScore™
      0
      300
      650
      1000
      up to $25,000
      Rate
      i

      Effective interest rate on the product

      up to 664%
      Term
      i

      Loan term for the financial product

      up to 24 months
      Advance America
      Personal Loans
      Rating by Finanso®
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      The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

      Recommended FinScore™
      0
      300
      650
      1000
      up to $25,000
      Rate
      i

      Effective interest rate on the product

      up to 664%
      Term
      i

      Loan term for the financial product

      up to 24 months
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      Advance America
      Personal Line of Credit
      Rating by Finanso®
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      The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

      Recommended FinScore™
      0
      300
      650
      1000
      up to $25,000
      Apply
      Advance America
      Installment Loans
      Rating by Finanso®
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      The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

      Recommended FinScore™
      0
      300
      650
      1000
      up to $25,000
      Rate
      i

      Effective interest rate on the product

      up to 664%
      Term
      i

      Loan term for the financial product

      up to 24 months
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      Advance America
      Emergency Loans
      Rating by Finanso®
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      The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

      Recommended FinScore™
      0
      300
      650
      1000
      up to $25,000
      Rate
      i

      Effective interest rate on the product

      up to 664%
      Term
      i

      Loan term for the financial product

      up to 24 months
      Advance America
      Cash Advances
      Rating by Finanso®
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      Recommended FinScore™
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      300
      650
      1000
      up to $25,000
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      i

      Effective interest rate on the product

      up to 664%
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      Loan term for the financial product

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      Advance America
      Payday Loans
      Rating by Finanso®
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      The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

      2.726
      (27 Ratings)
      Recommended FinScore™
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      300
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      1000
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      Effective interest rate on the product

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      Advance America
      Title Loans
      Rating by Finanso®
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      Recommended FinScore™
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      300
      650
      1000
      up to $25,000
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      up to 24 months
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      Calculate loan payments in Advance America

      Advance America calculator will allow you to calculate an approximate payment schedule for the loan

      Advance America calculator
      Interest rates are given in accordance with the rates of the Advance America of 01.12.2023
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      All Advance America’s reviews by december 2023
      Leave feedback
      9 reviews
      Payday Loans
      2.8
      Disadvantages
      I had been doing business with this company for several months when I applied for a loan. They requested additional information and asked me to upload it to their website. Unfortunately, it seemed they were encountering technical difficulties, and I couldn't upload the required documents. I reached out to their chat support to inquire about an alternative email address to send the documents to. On two separate occasions, I received two different email addresses from their representatives. Additionally, I received a call from them, requesting that I call back. I made four attempts to call them but was automatically disconnected each time before speaking with anyone. I hope this is an isolated incident for their sake and not a routine problem. While I had previously done business with them without issues, I have decided to discontinue our association.
      Complain
      9 reviews
      Payday Loans
      2
      Disadvantages
      I monitor my credit diligently, so I was taken aback when I saw a collection account from Advance America on my credit report. I've NEVER opened an account with them! I've challenged this account twice to no avail. Has anyone else experienced this? Any advice on resolution? I refuse to pay for a debt that isn't mine!
      Complain
      9 reviews
      Payday Loans
      2
      Disadvantages
      I attempted to secure a loan from this company, but it never materialized. Upon their attempt to deposit checks into my account, they were flagged as fraudulent, leaving my account in the negative. I'm at a loss for how to proceed.
      Complain
      8 reviews
      Payday Loans
      2
      Disadvantages
      They contacted me, stating I was approved for a $5,000 loan and then requested my banking details, including my username and password. Due to their persistence, I had to block their number.
      Complain
      8 reviews
      Payday Loans
      4.4
      Advantages
      I've utilized Advance America on a couple of occasions, especially during the holiday season, and I've consistently experienced an incredibly easy, fast, and friendly process. They ensure you receive the necessary cash on the very same day!
      Complain
      11 reviews
      Payday Loans
      4.8
      Advantages
      I've been a loyal client of Advance America for five years, and they have consistently been my go-to when I find myself in a financial bind. I only borrow when it's absolutely necessary and never more than what I require. Their service is both speedy and friendly, while also maintaining a high level of professionalism. Additionally, their online payment system is convenient and user-friendly. I want to extend my heartfelt gratitude for providing outstanding service to all your clients. Thank you!
      Complain
      4 reviews
      Payday Loans
      2.2
      Disadvantages
      I've reached out to this company multiple times via email, inquiring about a specific person who assured me with various documents that the loan was legitimate. They even requested my online username and ID to link to my account. However, I haven't received a single response to verify the authenticity of this individual. I'm starting to believe I've been duped.
      Complain
      9 reviews
      Payday Loans
      4.2
      Advantages
      The staff is incredibly friendly, and the process of repaying and reborrowing is effortlessly handled through your bank card. This convenience surpasses that of other check cashing companies.
      Complain
      7 reviews
      Payday Loans
      2
      Disadvantages
      They deceived me under the guise of offering a loan. In reality, they were reversing several of my payments, including credit card bills and car loans.
      Complain
      7 reviews
      Payday Loans
      2.4
      Disadvantages
      Their phone support is nearly non-existent, with hold times exceeding an hour! Whenever I attempt to use their chat or text message support, I consistently encounter the frustrating "no agents available". This level of service is absolutely unacceptable and not how a company should be operated.
      Complain
      aggregation.company.allReviews
      Overall company rating
      2.7
      / 5
      27 reviews
      Execution of an application
      2.8
      Support service
      2.8
      Mobile app
      2.7
      Service quality
      2.7
      Your satisfaction level
      2.6
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