Advance America


Beginner’s guide to advance America, personal line of credit, title and installment loans, etc..

Advance America – Are you looking to access a short-term, small-dollar loan to cover unprecedented expenses or looking to align your pocket with extra cash before the next payday?

If this feels like you, the Advance America cash advance is designed to meet your needs, and support you at every step of your financial life without having to put you through unwarranted stress.

About Advance America

Advance America is a community lender that serves thousands of customers locally and online, with a personalized financial solution aimed to perfectly fit your unique needs.

The outfit caters for your

  • Payday loan
  • Installment loans
  • Title loans and
  • Personal lines of credit

Advance America was founded in 1997 and has become one of the leading providers of consumer financial services, with online lending and over 1,200+ locations nationwide.

With Advance America, you are assured respect, transparency, and financial confidence where your money is turned into financial momentum.

What we like about Advance America

  • You can get approved for a loan with a bad credit score
  • Funding is swift to enable you to meet financial demands
  • You can access the smallest loan amount possible as little as $100, however, the minimum and maximum loan amount can vary by state.

What we don’t like about Advance America

  • The interest rate payable is relatively high because there’s no discrimination in credit score
  • If you are looking to build credit this is not the ideal loan since it can’t help you build credit
  • It’s not available in all states in the US.

What you should know about this loan

Despite not being available in all states, there are over 1,200 locations for the physical store where you can consummate your transaction aside online.

The interest rate charged is considerably high though varies according to state, payday loans may have a high-interest rate in certain states close to the APR, while the rate for an installment loan can be pegged a bit

lower though with APR higher than 200% in most cases.

The loans are short-term usually repayable on your next payday measured around two to four weeks. You may wish to extend your loan, but that comes with an even higher interest rate,

You may not encounter barriers occasioned by bad credit since you do not need good credit to access any of its loans, you are required to provide a government ID, Social Security Number, Proof of income

and an active checking account to start your application.

If you are looking to access an installment loan, a credit check will be performed.

Requirements to apply for Advance America loan

  • Proof of income
  • Government-issued ID card
  • Checking account
  • Social Security Number
  • Personal check-in event or in-store application
  • For the online application, you will need a valid email address

You can either apply offline or online, to apply offline you will have to visit a physical store near your location, you are required to come along with your required information.

Proceed to the Advance America website to enter your information to apply online.

What is a cash advance

A cash advance is also known as a payday loan, it’s a short-term small-dollar loan, often used to cover unexpected expenses.

A cash advance here refers to a personal loan that provides an alternative to bouncing checks, however, not a long-term financial solution.

Difference between an in-store and online cash advance

The in-store payday loan/cash advance allows you to visit any of the physical stores close to your location and receive the money in person.

While the online cash advance/payday loan provides an avenue to process and receives your loan online, in this arrangement there’s no need to visit any store.

On application, once approved the money will be deposited into your bank account the same day.

What you need to apply for a cash advance/payday loan

For in-store applications, you’ll need

  • Government ID,
  • Proof of active checking account (statement)
  • Recent proof of income (direct deposit, check stub, etc.)
  • Verified Social Security Number

To apply online

  • Valid SSN
  • Valid email address
  • Active checking account and
  • Income source

What is an installment loan?

An installment loan is a long-term loan that gets you the money you need today with an option to repay such loan in installments.

Depending on your state, an installment loan can be accessed in-store and online, it usually has a duration of 2 to 24 months maximum to complete such repayment.

How much money can I get?

Your personal information is used to determine how much you can access for an installment loan, however, the amount you can access varies by state.

Is my credit being checked when I apply for an installment loan?

Your third-party data sources are reviewed to verify credit before you can access the installment or extended-term loans.

What is a title loan?

If you own the title to your vehicle, a title loan allows you to borrow money based on its value.

Your car is used as collateral for such a loan so you can get the necessary funding almost immediately, in this arrangement you’ll keep driving your car while you pay back your loan.

Title loans usually come to succor for individuals looking for a fast solution to short-term financial needs.

How title loan works

To get this loan, you will have to release your vehicle title to the loan company as collateral in exchange for such a loan.

You will have to keep your car and continue driving while you pay back your loan.

To access this loan, kindly visit the Advance America store that offers a title loan, an agent will inspect your car in minutes and then provide a loan amount compared to the vehicle value.

You will have to agree with the terms and schedule payments, leave with the money, and repay on the scheduled date.

What is a Line of Credit?

A line of credit provides an easy way to access money when in need, on approval you can request money up to the total limit approved.

The amount given or withdrawn is subject to your state, and the funds requested are deposited into your bank account directly.

Line of credit refers that once you get the approval you can always withdraw more money when you need it, you apply only once and the line stays open to allow you to withdraw money any time you want, so long as your account is in good standing.

How to repay your loan

Loan payments are accepted at the store, in some states payments can be made through an online account, by phone number, or through an automatic withdrawal from your checking account.

I want to change my bank info, how do I go about it?

You will need to bring in or fax a copy of your latest bank statement to your local center to update or change your bank details.

Can I defer payment?

You are not allowed to skip or defer a payment, if eligible you may be enrolled in a plan or extend your payment due date.

If you cannot make the minimum payment for your line of credit on the due date, you may have to call the contact 1-877-505-0701.


As a first-time user, you can access in-store or online salary advance/payday loans with Advance America in the most seamless way.

The interest rate may be high, however, compare with other outfits in town to see who has the best deal for you, recall you do not need good credit to start.

One comment on “Beginner’s guide to advance America, personal line of credit, title and installment loans, etc..

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