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Rating by Finanso®

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.

Apply for a Advance America's loan


How to Apply


You should be at least 18 years of age, have a valid checking account, and provide proof of income and identity. When you apply for an Advance America loan, be prepared to fill in the following information:

  • A government-issued ID with a photo (driver's license, passport, etc.),

  • Number of Social Security,

  • Income documentation, such as a pay stub, benefits letter, or direct deposit note, and

  • Evidence of a current checking account, such as a bank account statement.

If you want to take a title loan, you need to bring your vehicle's lien-free title, the vehicle itself, evidence of domicile, and proof of insurance–depending on where you live.

Application Details

If you receive a rejection for a loan and have concerns about the integrity of the credit information used to decide, you can get your credit report from the credit bureau. Advance America cannot offer credit report details, and you must contact the credit agency directly to examine your information. If you feel it's a mistake on your credit report, you can file a dispute with the credit agency.

First, review the Adverse Action Notice you got when your loan was denied. This letter will tell you which credit bureau was used to determine the loan decision - FactorTrust or Clarity. You'll have to contact these organizations via the website, snail mail, e-mail, or phone for more information.

How to Apply for a Loan

To apply in person, just come to the nearest store with all the required documents. To apply online with Advance America, follow these steps:

  1. Go to the Advance America website and click the "Apply now" option. This will open the application page.

  2. Fill up your personal and financial information on the form. Once completed, you should electronically sign your application.

  3. If you are allowed for a loan, get the cash the same day or the next.


Does using Advance America hurt your credit score?

A cash advance has no direct impact on your credit score, and your credit history will not show that you borrowed one. The cash advance balance will be added to your credit card debt, hurting your credit score if you have a high credit use ratio.

How long does it take Advance America to approve a loan?

If you apply for a loan at the store and are accepted, you might have cash in 15 minutes on the same visit. If you apply online, the money may be put into your account the same or the following working day.

Is Advance America good for debt consolidation?

No, it's better to look for a lender with lower rates and more flexible payments.

Financial products

Advance America
Cash loan
Rating by Finanso®

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™
up to $25.000

Effective interest rate on the product

up to 650%

Loan term for the financial product

3-24 months

Calculate loan payments in Advance America

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

Loan amount

Enter the desired loan amount

1000 $
25000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Advance America

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Advance America and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Advance America’s reviews by September 2022
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