Frequently asked questions

Yes, you can pay off your loan early at your nearest store or within your online account. If you choose to pay your full balance early, we won’t charge any pre-payment penalties. If you make an early payment that does not cover the full amount you have borrowed, the rest will be paid via automatic withdrawal on the regularly scheduled payment date. For example, if you have a payment of $150 dollars and you pay $100 before the withdrawal date, then we will only collect $50 on the regularly scheduled payment date.

For customer assistance with online applications, representatives are available to assist you Monday through Friday from 8:00 AM to 9:00 PM ET and Saturday from 9:00 AM to 6:00 PM ET at 1-877-505-0701 or send us an email.

Bring in or fax a copy of your latest bank statement to your local center in order to update/change your banking information.

You can review your loan details by logging into your online account, chatting or calling us at (844)562-6480. If you have questions about a loan received in a store, please contact the store for more details.

You can see account details by logging into your account online, chatting or by calling customer service at 877-505-0701.

You will receive cash or check for funds immediately after signing the loan agreement in the local center.

Yes. Please contact the store in which your loan originated to pay your loan off early. In some states, you may be entitled to a refund of part of your loan fee.

In most states, you can apply right away once your payment is made in cash or with a debit card. When payments are made through an electronic withdrawal directly from your bank account, it can take 3 to 5 days for that payment to clear. Once the payment clears, you are eligible to reapply for a new loan. Please note, some states require a waiting period between loans. For example, in Florida, customers must wait 24 hours between payoff and ability to reloan.

In order to update your bank account information, you will need to supply a copy/photo of a non-starter voided check, both front and back, or your last full month bank statement. This information should be sent to any of the following:

Email: bankchange@service.advanceamerica.net

Text: 760-237-2274

Fax: 864-336-7055

Once your information is sent, please allow for up to 1 business day for these changes to be updated within your account profile. If you have further questions, please call our customer service team at 877-505-0701.

Please call a local Advance America store or the contact center for account information at 1-844-562-6480.

Loan payments are accepted at the store. In some states, payments can also be made through an online account, by phone or through an automatic withdrawal from your checking account. Check with your local store to discuss available payment options.

If you are unable to make your upcoming payment, please contact us at (844)562-6480 to discuss available payment options. You can also reach out to your local store for more information. In some states, refinance options are available.

Funds are typically deposited into your account by the next business day.

If your state requires a personal check as collateral, we will not cash your check or debit your account unless we do not receive payment for your loan. If you are unable to pay your loan on time, please contact your local store or call us at 844-562-6480.

You can see account details by logging into your account online, chatting or by calling customer service at 877-505-0701.

Advance America will work with you to establish payment arrangements. And we're committed to collecting past due accounts in a professional, fair and lawful manner. We do not report to Equifax, Experian or TransUnion credit agencies. If you are unable to pay your loan on time, please contact us at your local store or our toll free number (844) 562-6480.

If you believe there is an error on your credit report related to a loan with Advance America, please fill out this form. These errors may include, but are not limited to, the incorrect reporting of a loan status (i.e. current, delinquent, etc.), reporting a loan as being past due when all payments have been on time, a mix-up in the ownership of an account, or the reporting of an incorrect amount owed on a loan. Please be sure to provide as much information as possible. This is the fastest way to ensure the erroneous information on your credit report is corrected. Advance America will reply to your submission by email or letter within 30 days.

Please call customer service at 877-505-0701, chat, or click on “forgot password” on the AdvanceAmerica.net/portal.

Advance America follows all federal and state laws, so the ability to refinance loan depends upon the state regulations. Please contact your nearest store for further information or call us at (844) 562 – 6480.

Online loans payments are automatically scheduled to be withdrawn from your checking account on the due date. You can also make a payment by logging in to your online account and select Make a Payment. Or, you can make a payment over the phone by calling 877-505-0701.

When you apply for a loan in an Advance America store, you will return on your due date to repay the total amount due.

Of course. Please contact the store in which your loan originated or call (844) 562 – 6480 for an online loan to pay your loan off early. In some states, you may be entitled to a refund of part of your loan fee.

Please call customer service at 877-505-0701 for more information on payment deferment.

Typically, your line of credit payments are due on your pay date and are scheduled as automatic withdrawals from your checking account. You can also make payments at your local store or in your online account.

Waiting periods are regulated by state law. Most states do not require a waiting period between loans. Please contact your nearest store for further information or call us at (844) 562 – 6480.

Yes, you can pay your online loan with a debit card through your online account. Just login and select Make a Payment. Typically paying off with a debit card allows you to re-loan faster than waiting for the electronic payment to clear. If you have questions, chat with us online or call our customer service team at 877-505-0701.

Yes, you can pay off your loan early at your nearest store or within your online account. If you choose to pay your full balance early, we won’t charge any pre-payment penalties. If you make an early payment that does not cover the full amount you have borrowed, the rest will be paid via automatic withdrawal on the regularly scheduled payment date. For example, if you have a payment of $150 dollars and you pay $100 before the withdrawal date, then we will only collect $50 on the regularly scheduled payment date.

You can continue using your original Line of Credit. As long as you continue to make on-time payments on the money you withdraw, you can continue to withdraw funds up to your maximum approved credit until your Line of Credit expires (at which time you can apply to renew it).

We understand that from time to time, you may run into a hardship and need further assistance. During those times, please call customer service at 877-505-0701 to determine if you qualify for an Extended Payment Plan.

Loan payments are accepted at the store. In some states, payments can also be made through an online account, by phone or through an automatic withdrawal from your checking account. Check with your local store to discuss available payment options.

If you can’t make the minimum payment for your Line of Credit on the due date, please call the contact center at 1-877-505-0701.

If your loan is paid via ACH, waiting time is typically 4 days. Debit Card payoffs are typically the same day.

You cannot skip or defer a payment. However, if eligible, we may be able to enroll you into a repayment plan and/or extend your payment due date.

Click Log back in! located on the top right of every portal page.
Click the Reset Password link, located below the Login Name and Password fields on the Login page. The Reset Password popup will display.
On the Password Reset popup, enter the email address you originally used to create your profile. If you enter a different email address, not in the system, your password cannot be reset. If further assistance is needed, email applicantassist@advanceamerica.net for support. Be prepared to validate your identity, e.g., home address and phone number.

Please call customer service at 877-505-0701 or email

CustomerService@Service.AdvanceAmerica.Net at least 2 business days prior to the maturity/due date.

In some states, we accept debit card payments in-store, online and over the phone. Check with your local store to understand the payment options available to you.

For customers who visit a local center - you will receive cash or check for funds immediately after signing the loan agreement. For customers who apply online - funds are typically deposited into your account by the next business day.

To update your bank information, please email customerservice@service.advanceamerica.net or call 1-877-505-0701. Please make all changes at least two banking days before your loan is due.

You can enter into a re-payment plan if your state allows it and you are eligible based on state requirements.

You cannot skip or defer a payment. However, if eligible, we may be able to enroll you into a repayment plan and/or extend your payment due date. Please call customer service at 877-505-0701 for more information on payment deferment.

To update your customer profile, log in to your account and click on “View/Update Profile”

In most states, you can re-apply right away if needed. Some states require a waiting period period between loans. As a state-licensed lender, we follow the rules provided in each state.

This depends on your state’s waiting period requirements.

To change your password, log in to your account and click on View/Update profile. Type in a new password and click the "submit" button to save your new password. You can now access the site with your new password. Account Login.

If you’d like to revoke your ACH authorization, you will need to visit your nearest Advance America store and complete two (2) copies of the ACH Revocation Form.

Advance America follows all federal and state laws, so the ability to refinance loan depends upon the state regulations. Please contact your nearest store for further information or call us at (844) 562-6480.

To reset your password, click “forgot password” under the customer login section. A new password will be delivered to your email address. Once you login with the password sent to you, you will be required to update that password to a new one to continue.

Please call a local Advance America store or the contact center for account information at 1-844-562-6480.