Get a little extra money before your next paycheck with an Advance America Payday Loan (also called a Cash Advance). Already have an account? Login.
Payday Loans, as well as Online Payday Loans, from Advance America are short-term loans of small dollar amounts, usually paid back within two to four weeks. A Payday Loan gives you access to money when you need it so you can pay for daily finances or unexpected life and emergency expenses. Payday Loan availability varies by state.
Getting money before your next paycheck has never been easier.
A Payday Loan is a two to four week short-term loan that's due on your next payday. And getting one is simple:
Start your Payday Loan application now or apply in the store.
Get an approval decision within minutes for your Payday Loan application.
Receive money 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 banking day.
Here are some benefits of getting a Payday Loan from Advance America:
Payday Loans come with easy applications that you can complete in just a few minutes. Advance America lets you apply online or in store, so you may be able to fill out an application from the comfort of your home.
Advance America offers an instant approval decision, so you may find out right away whether you’re approved for a Payday Loan. If approved, you can receive the funds the same day you apply or within 24 hours.
Advance America has less strict credit requirements and approves borrowers with all credit score levels. We consider factors in addition to your credit score when deciding whether to approve you, like your income, employment history, and current debts. This means that you can still get approved if you have poor or fair credit.
You can use a Payday Loan to cover expenses before you get your next paycheck. Whether you need to pay rent, cover an unexpected medical bill, or buy groceries, Payday Loans can give you the extra funds you need right away.
When choosing a company for the best Payday Loans, make sure to look for these important signs:
The maximum amount of money you'll be able to receive from a Payday Loan is regulated by state law. In addition, you'll qualify for a particular loan amount based on your current income, within the allowed range. To learn more about the loan amount ranges in your state, click here.
A Payday Loan is a two to four week short-term loan that is due on your next pay date. Payday Loans are perfect for unexpected expenses or when you need a little extra money before your next paycheck. Depending on your state, you could get up to $1,800. To find out what is available in your state, click here.
An in-store Cash Advance/Payday Loan allows you to visit one of our stores and receive your money in person. The entire process typically takes about 15 minutes and could get you the money you need on the spot. An online Payday Loan gives you the convenience of processing your loan completely online without the need to visit a store. Simply submit an online loan application and, if approved, the funds from this payday loan will be deposited directly into your bank account as soon as the same day.* To learn more about the options in your state, click here.
Requirements on what to bring for a Payday Loan vary by state, but a checking account is required in most cases. To see if this is required in your state, check out the What to Bring section on your state page. To learn more about what you need for a payday loan in your state, click here.
Whether you apply in store or online, which depends on your state, processing your completed application will only take a few minutes and you will receive an approval decision immediately.
Not all Payday Loan approvals will be guaranteed, as certain criteria must be met. To find out what is available in your state, click here.
Yes, Advance America follows all applicable laws and regulations at both state and federal levels. We’re also members of the Online Lenders Alliance, OLA, so we follow all industry best practices where applicable to provide the most beneficial, responsible personal loan services.
When reviewing your Payday Loan application, we may evaluate your credit eligibility by receiving information from third-party data sources.
Advance America accepts applications from consumers with all types of credit. Credit is not the only factor we consider when reviewing a Payday Loan application.
In most states, an individual can only have one Payday Loan with Advance America. To learn about what options are available in your state, click here.
The typical fee for a Payday Loan is $15 per $100 borrowed – a set price for a short-term transaction. The fees vary by state based on state regulations. Use our Payday Loan calculator to view rates in your state.
So, how do Payday Loans compare to other short-term payment solutions? Payday Loans are typically the least costly option compared to bank overdraft, bounced check, late payment, and utility reconnection fees.
Sources: Consumer Federation of America Survey of Online Payday Loan Sites, 2011; CFPB CARD Act Report and Study of Overdraft Programs, 2013; Readex Research National Data on Short-Term Credit Alternatives, 2006; Bankrate.com Checking Account Survey, 2014; Moebs Services, 2012.
Learn more about Payday Loans rates and terms in your state.
To apply, you'll need the following items:
Learn more about what is needed in your state.
I absolutely love the women at Advance America in Pineville,La. Mrs Margie and Sadie are always so nice, sweet, courteous, and professional. They make…
I've used Advance America several times since moving to Nevada in 2009. I've always dealt with Patty at their Pahrump, NV location. She makes the…
Had a great experience
Payday loans are short-term loans that are typically due on your next payday. Timing depends on your pay schedule.
Your Payday Loan is typically due on your next pay date. We offer several options to make paying your loan back convenient, including in-person or online payment options (varies by state).
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.
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.
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.
If you are having difficulty paying back your Payday Loan, you can contact Advance America to arrange payment options.
Sign up for news, updates and exclusive offers from Advance America.
