Answers to common questions about Advance America loans, funding, and stores.
Many online approvals before 10:30 AM ET (Monday–Friday) are typically funded to your bank account by 5 PM ET the same day. Approvals after 10:30 AM ET are typically funded the next business day morning. Store funding times may vary by location.
Good credit is not required. Approval depends on meeting underwriting requirements that vary by state and product. We review factors such as income and banking information.
Yes. You can start a secure application online 24/7. Depending on your state and the product, some steps may still require a store visit or additional verification.
Depending on your state, Advance America may offer installment loans, lines of credit, cash advances, and other personal loan options. Product availability, amounts, and terms vary by location.
Advance America has over 700 neighborhood locations. Use our store locator to find an address and phone number near you.
Yes. We use industry-standard encryption and security practices to protect your personal and financial information during applications and account access.
Repayment schedules depend on your product and state. Installment loans use fixed monthly payments. Cash advances are typically repaid in a shorter window (often 2–4 weeks). Your agreement will show exact dates and amounts.
Many states allow early repayment. Check your loan agreement for details about prepayment in your state. Paying early can reduce the total cost of credit in some cases.
Typically you will need a valid government-issued ID, proof of income, an active bank account, and contact information. Requirements can vary by state and product.
Many participating Advance America locations offer Western Union money transfer services so you can send or receive money. Ask your local store or use the store locator.
