Payday Loan

In this comprehensive review, we explore Advance America® Payday Loan designed to meet diverse financial needs. Discover how Advance America® stands out with its competitive interest rates, flexible borrowing limits, and rewarding perks.
50 - 1000 $
Loan Amount
1 Months
Repayment Term
214.74 - 460.16 %

Product Details

General Info
 Loan Amount Loan Amount
50 - 1000 $
Repayment Term Repayment Term
1 Months
Required documents Required documents
Do I fit in?
Age Age
from 18 years
Credit Score Credit Score
Income required Income required
214.74 - 460.16 %

How to Apply For an Advance America® Payday Loan?

  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


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.


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


How much can you borrow from Advance America?

Does Advance America approve everyone?

How long does it take to get a Payday Loan from Advance America?

Company documents

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Last update 07.03.2024
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