Online Loans

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Get money online quickly with a click

An Online Loan from Advance America gives you the money you need with the convenience you expect. Whether you are at home or on the go, you can apply for loans online 24/7 right from your laptop, tablet or mobile device. Plus, with an instant approval decision, you can get the money you need fast. Already have an account? Login.

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How do Online Loans work?

To apply for an online cash advance, online payday loan, online installment loan, or online line of credit while on the go, follow these simple steps:


Get an approval decision in minutes for your Online Loan application.


Receive money the same day.*

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next business day.

Online Loan questions

How do Online Loans by Advance America work?

Online Loans are available in the form of a Payday Loan (also known as a cash advance), an Installment Loan, and a Line of Credit. Online Payday Loans are a short term loan that is due on your pay date and based on your income. If you need more money and would like the flexibility of paying it off over time, consider an online Installment Loan. We also offer an online Line of Credit, which allows you to apply only once and the line remains open. You can then withdraw money from the line as long as there are funds available.

Online Loans allow you to both apply and repay your loan online, at your convenience so there’s no need to visit a location. Just submit an online application and if approved, the funds from the loan will be deposited directly into your bank account, as soon as the same day*. Your repayment of the loan is electronically deducted from your bank account on your due date(s).

How much can I borrow for an Online Loan?

The amount of money you’ll be able to receive from an Online Loan depends on income qualification criteria and your credit history, along with state laws and regulations. Click here to learn more about loan amounts and fees.

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What are the steps involved in applying for an Advance America Online Loan?

To find out if an Online Loan is available in your state, begin by entering your state above. Once you are ready to apply for the Online Loan of your choice, simply click “Apply Online” at the top of the page. Keep in mind, the documentation needed to apply will vary by your state and loan type. Below are the easy steps you’ll need to complete to apply.

  • Step 1: Choose your loan and select “Apply Online”

  • Step 2: Provide your personal contact information. You’ll need your Social Security number.

  • Step 3: Provide your employment information

  • Step 4: Provide banking details. Both checking account number and ABA routing number are needed. Prepaid cards are not accepted.

  • Step 5: Sign and submit

Your application may be approved quickly in a matter of minutes and you can receive your Online Loan same day*.

What kind of Online Loans does Advance America offer?

Advance America offers Payday Loans (also known as a Cash Advance), Installment Loans, and Line of Credit online. Keep in mind that your financial situation, state availability, and personal needs will ultimately determine which of the available Online Loan options are best for you.

How long it will take to get my cash after applying for Online Loan?

In states where Online Loans are available, click “Apply Now” to complete the application. If your application is approved before 10:30 AM ET (M-F), the loan is typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

Can I get an Online Loan today?

Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

Are Online Loans safe?

With Advance America, you can be certain that all the information you submit for your Online Loan are sent through a secure server, and kept in a secure database. To verify our website’s security, look for the security icon in the website footer that tells you that your information is secure and encrypted. The padlock in the URL address bar also signifies that your information on this website is encrypted. For more details, see our Privacy Policy.

Can I get an Online Loan with no credit check?

As part of the online application process, Advance America will receive information from third party data providers, including information about your credit history from various credit reporting agencies.

Online Loans rates & terms

Advance America offers a variety of Online Loan types from payday loans to cash advances to installment loans to lines of credit. Rates and terms for each type of Online Loans are based on state regulations. Finance charges for Online Loans vary by state and by length of loan term.

To get examples of the Online Loan rates and terms in your state, click Learn More below.

What do you need to apply for an Online Loan?

To apply, you'll need the following items:

  • Government issued ID
  • Source of income
  • Checking account
  • Social Security Number

Learn more about what is needed in your state.

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Online Loan payment questions

How do I repay my Online Loan?

On your loan payment due date, an electronic request will be sent your bank for the specified amount of loan fees and/or principal that is outlined in your loan agreement. Usually, your payment(s) will be withdrawn from your checking account on your loan’s due date via ACH (Automated Clearing House), or other electronic repayment methods. Keep in mind that there may be other repayment options available, depending on your loan type.

What if I cannot pay or will be late repaying my Online Loan?

Advance America will work with you to establish payment arrangements for your Online Loan. And we're committed to collecting past due accounts in a professional, fair and lawful manner. Past due payments may impact your ability to transact with Advance America or other lenders. 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.

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Can I schedule my payments to be made automatically?

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 will my Online Loan payments be due?

An Online Payday Loan will typically be due on your next payday. An Online Installment Loan typically allows a longer time to pay back over multiple installment payments. Every state has its own laws and regulations. Click here to view more information on the loans available for you.

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