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.

3.0
(20 Ratings)

Apply For Amscot

Advertiser Disclosure

How to apply for a loan?

After clicking the "Apply Now" button, the clientele has to:

  1. Access the Amscot website.
  2. Tap Get Started Now.
  3. Click Get Started Now With Your Cash Advance.
  4. Choose the closest branch.
  5. Fill out the form with your personal information.
  6. Submit the online form.

    Within the same business day, you will get a call from an Amscot employee who will help to complete the application process. Usually, they instruct customers to head over to the local branch with the required documents. There you will write a check post-dated for the next payday, sign the contract, and pick up the money.

    Requirements

    To be eligible for Amscot services, customers must be at least 18 years old, be Florida residents, have verifiable income, active checking or bank account in good standing, valid government ID, and a contact mobile number operating within the US.

    Application details

    A customer should attach to the application a government-issued ID: a passport, driver's license, state ID card or military ID, bank statements, pay stubs or direct deposits, and a checkbook to write a post-dated check. Applications are generally considered within one business day. The reasons for rejection commonly include incongruity of documents to the Amscot's requirements, insufficient income, or bad creditworthiness.

    Amscot application

    FAQ

    Does Amscot check your credit?

    Amscot does not conduct credit checks. Instead, it inquires about customers' status in the Florida State database for outstanding cash advances and installment cash advances.

    Can I get an Amscot loan without a check?

    No, to qualify for Amscot's services, Amscot conducts a hard pull on clientele's credit using the Florida State database.

    Can you use a debit card at Amscot?

    Yes, Amscot offers The AmscotMoneyCard, which is a prepaid debit card for shopping online, paying bills, and making purchases. Also, the company has The Debit Card Overdraft Service, which is available to eligible Azulos clients.

    How do I sign up with Amscot?

    To sign up with Amscot, customers have to point out their email or account name and password and click Get Started.

    Financial products
    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.

    Recommended FinScore™
    0
    300
    650
    1000
    100.00 – 1000.00 $
    Rate
    i

    Effective interest rate on the product

    211.47 – 245.63 %
    Term
    i

    Loan term for the financial product

    to 85 days
    Apply
    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.

    2.984
    (14 Ratings)
    Recommended FinScore™
    0
    300
    650
    1000
    100.00 – 500.00 $
    Rate
    i

    Effective interest rate on the product

    276.36 – 338.93 %
    Term
    i

    Loan term for the financial product

    to 14 days
    Apply
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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.

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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™
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    2000.00 – 100000.00 $
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    Effective interest rate on the product

    6.34 – 35.89 %
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    Rating by Finanso®
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    4.25
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    Effective interest rate on the product

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    Loan term for the financial product

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    Calculate loan payments at Amscot

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

    Amscot calculator
    Interest rates are given in accordance with the rates of the Amscot of 21.05.2024
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    All Amscot’s reviews by may 2024
    Leave feedback
    1.6
    Disadvantages
    The service was exceedingly slow. The employee took an inordinate amount of time to process my request, making the over 20-minute wait at the window for what should have been a 2-minute process very uncomfortable. The employee seemed to dawdle throughout. Extremely disappointed with the experience.
    Complain
    4.2
    Advantages
    I was very pleased with the service I received. It was my initial experience using this service, and I will definitely return when needed.
    Complain
    4.6
    Advantages
    Superb service, friendly personnel, and the staff employ innovative approaches.
    Complain
    1.8
    Disadvantages
    Despite being informed multiple times that they had the incorrect number, the calls from them persisted. We have been long-standing customers at a different address. It's essential that employees are trained to verify numbers prior to making calls and to refrain from calling again once notified about a wrong number.
    Complain
    2.4
    Disadvantages
    The cash advance service at Amscot is a boon during times of need, yet I believe the weekly interest rate is excessively high. This sentiment appears to be a common grievance among many who utilize their services.
    Complain
    2
    Disadvantages
    I encountered a lengthy line and endured a 35-minute wait just to process a money order. I'd prefer paying a dollar elsewhere to avoid such a delay. The employees lacked basic courtesy, not even offering a greeting, and there was no clear indication of where the line started. The manager seemed to be in a terrible mood. I won't be returning to this place. They seriously need to hire more staff, as this was my second visit and the experience was frustratingly identical to the first.
    Complain
    5
    Advantages
    Excellent service with virtually no wait time, and the staff was very polite and professional. I would definitely recommend others to visit this place. Being my first time here, I am certain I will return.
    Complain
    4.4
    Advantages
    Over the past two years, I've obtained several cash advances from Amscot. They handle requests swiftly, and offer the lowest interest rates I've come across. I'd highly recommend them to anyone seeking financial aid to tide over until the next payday.
    Complain
    2
    Disadvantages
    The personnel at the branch come across as discourteous and inhospitable, with the night-time wait stretching between 30 minutes to an hour. I won't be revisiting this location.
    Complain
    1.8
    Disadvantages
    The Amscot store manager inquired about my place of employment, a question I found to be quite intrusive. Following my response, he proceeded to share that he once worked at the same financial institution I am employed at, quitting due to the unsatisfactory pay. I found his remarks to be entirely out of line, especially coming from a service provider to a customer. The level of professionalism displayed was truly disappointing, deterring me from ever returning to this location.
    Complain
    Overall company rating
    3.0
    / 5
    20 reviews
    Execution of an application
    3.2
    Support service
    3.0
    Mobile app
    2.3
    Service quality
    3.2
    Your satisfaction level
    3.4
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