Advance America Loans Review
10 Min Read
Reviewed by Latoria Williams 
In a Nutshell
ACE Cash Express can be a smart choice for borrowers with less-than-perfect scores and people who need a small loan quickly. The company offers payday, installment, and title loans and consistently earns high ratings on Trustpilot. Although ACE has over 925 locations across the US, its loan products are not available in all states. Borrowers with good credit might also find ACE’s interest rates and fees quite high.
Pros:
- Easy online applications
- Fast approval decisions
- Instant deposits on a debit card are available
- Multiple physical stores to apply in person
- Applying doesn’t affect your credit score
Cons:
- Certain loans are not available in all states
- High interest rates and fees
- Past illegal collection tactics
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Advance America Loan Details
The company specializes in short-term loan solutions, such as payday loans, installment loans, title loans, and personal lines of credit. Unsecured loans typically allow you to get between $100 and $5,000, while secured options come with a maximum amount of $25,000, depending on the value of your collateral.
Rates, Fees, and Terms
Here’s a closer look at Advance America loan interest rates, terms, and fees. Please note that the conditions may vary by state:
| Feature | Payday Loans | Installment Loans | Title Loans |
|---|---|---|---|
| Repayment Term | 7 – 31 days | 2 – 24 months | 30 days – 24 months |
| Min. Amount | $100 | $100 | $2,000 |
| Max. Amount | $1,800 | $5,000 | $25,000 |
| Max. APR | 664.22% | 305.39% | Not specified |
| Fees | No origination fees Late fees may apply, depending on the state |
No origination fees Late fees may apply, depending on the state |
No origination fees Late fees may apply, depending on the state |
| Collateral | None required | None required | Yes, your vehicle’s title |
| Funding | Within one business day. Instant funding is available if you apply in-store | Within one business day. Instant funding is available if you apply in-store | Within one business day. Instant funding is available if you apply in-store |
How to Apply for a Loan with Advance America?
To start your application process with Advance America, you typically need to provide the following documents and information:
- Government-issued ID
- Social Security Number or ITIN
- Proof of income
- Checking account
Once you’re ready to proceed, you need to complete three simple steps to get a loan:
- Complete an application form. You can do it online or at one of the company’s stores.
- Receive an approval decision. Advance America doesn’t check your credit via major credit bureaus and uses third-party data sources to verify your eligibility. Most applicants get their loan decisions in a matter of minutes.
- Get funded. If approved, read and sign the loan agreement. The money will then be transferred to you on the same or the next business day, depending on your approval times. In-store borrowers typically get their funds right away.
What Are Your Repayment Options?
Borrowers can repay their loans in two ways: via electronic withdrawals from a bank account (ACH payments) or in cash. If you repay via ACH payments, simply make sure you have enough money in your account balance on the due date specified in your loan agreement. For cash payments, you need to visit any Advance America location in person.
Is Advance America a Scam?
Advance America is a licensed company that operates in accordance with federal and state legal guidelines. However, scammers have been acting on its behalf to offer advance-fee loans and steal money from borrowers. Therefore, you should keep in mind that not all offers you get via email or see in online ads are safe. If you receive a text or call from Advance America, visit its official website or call (844) 562-6480 to verify the offer is legitimate.
Advance America Reviews: What Customers Say
Advance America has mixed reviews across various platforms. Among the benefits, customers typically mention easy application procedures, quick approvals, and professional in-store staff. However, many borrowers also note that interest rates and fees are quite high, which can result in a cycle of debt. Here’s how people rate Advance America on different platforms:
| Platform | Rating (out of 5) | Number of Reviews (as of October 2025) |
|---|---|---|
 |
4.9 | 119,170 |
 |
3.2 | 2,159 |
 |
1.68 | 157 |
 |
3.9 | 296 |
 |
1.7 | 279 |
 |
1.7 | 245 |
Alternatives to Advance America Payday and Installment Loans
While Advance America offers fast financial solutions for borrowers with less-than-perfect scores, you may still find better alternatives. See how the company’s loans compare to competitors:
| Company | Loan Range | APRs | Repayment Terms | Minimum Credit Score | Funding Times | Loan Availability |
|---|---|---|---|---|---|---|
| Advance America | $100 – $25,000 | 80.77% – 664.22% | 7 days – 24 months | None | Instant–next day | 23 states |
| Speedy Cash | $100 – $25,000 | 178.42% – 730.80% | 7 days – 24 months | None | Instant–next day | 23 states |
| Moneytree | $100 – $5,000 | 363.48% – 482.32% | 14 days – 12 months | None | Instant–next day | 5 states |
| Spotloan | Up to $800 ($1,500 for repeated borrowers) | 99.00% – 490.00% | Up to 10 months | None | Up to 2 business days | 39 states |
Before You Borrow
Borrowing money is always a financial obligation that needs to be approached responsibly. Before applying for a loan, determine the exact amount you need to cover your expenses and make sure you can afford it. Review your budget carefully and make sure your loan payments align with it without sacrificing necessities.
Shop around and compare various offers, paying special attention to APRs, extra fees, repayment terms, and other potential perks or drawbacks the lender has. Refrain from borrowing if you experience ongoing financial issues and seek credit counseling instead.
Keep in mind that scammers may act on behalf of the legitimate company and send phishing emails to steal your money or sensitive data. Emails from generic accounts or domains that don’t match the company name are signs of scams. Avoid offers that require you to pay upfront fees or provide personal financial information, and report any suspicious activity to your local authorities and the Federal Trade Commission.
Final Thoughts
Advance America is a trusted lender that helps people with any credit cover unexpected expenses or finance emergency needs. The company offers a wide range of loan options with an easy application process and quick funding on the same or the next business day. However, you should be aware of its high APRs and potential fees that can make your debt unmanageable. Borrowers with fair and good credit may find loan solutions at better terms.
FAQ
How much can I borrow with Advance America?
Payday loans offered by the company range from $100 to $1,800, depending on the state and your income. Installment loans offer amounts between $100 and $5,000. Title loans allow you to get up to $25,000 based on the value of your vehicle.
When will I get my loan funds?
Online approvals made by Advance America before 10:30 AM ET (M-F) are typically funded by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded the next banking day. In-store applicants can get their loan funds immediately.
Does Advance America send text messages?
The company may send you a message via official mail, or when you have already applied for a service. Unsolicited text messages or calls offering loans are a common scam tactic. If you receive one, do not respond to it and do not click any links.
How do I contact Advance America customer service?
Advance America accepts customer requests via several channels. You can chat with the company online or call its customer care specialists at (844) 562-6480, Monday – Friday, 8 AM to 9 PM EST, and on Saturday, 9 AM to 6 PM EST. Alternatively, you can visit the company’s store in person or send a direct message on Facebook.
What is the Advance America approval code?
Advance America doesn’t use an approval code for its financial products. Instead, the company makes an approval decision after you apply for a loan or other financial product. To access your online account, you need to pass multi-factor authentication, which involves sending a secure code to your phone or email to verify your identity.
What is the Advance America lawsuit email?
Advance America doesn’t have an official lawsuit email. Any messages you get from the company about a lawsuit are likely to be a scam. This is made to scare you and force you to provide information or send money.
Does applying for a loan from Advance America hurt my credit?
Advance America doesn’t check your credit through major credit bureaus and doesn’t report your payments to them. This means that applying for its loans will not affect your credit score.
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