Advance Financial

Advance Financial

in Personal Lines of Credit


Advance Financial


in Personal Lines of Credit

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Where does Advance Financial do business?

Advance Financial is a direct lender based in Nashville, TN. It was founded in 1998 and offers personal lines of credit in 11 states across the USA.

What are the APRs offered via Advance Financial?

Advance Financial offers a fixed APR personal line of credit that ranges from 240% up to 360%.

Does Advance Financial charge an origination fee?

No, Advance Financial does not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Advance Financial charge a cash advance fee?

No, Advance Financial doesn't charge a cash advance fee. Some lenders charge a cash advance fee every time borrowers withdraw cash from their line of credit. Typically, fees range from 0.5% to 10% of the amount withdrawn..

Does Advance Financial charge a late fee?

No, Advance Financial will not charge you a late fee..

Does Advance Financial charge prepayment fees?

No, Advance Financial does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the line of credit off and close the account.

How much can you borrow via Advance Financial?

Personal lines of credit start at $100 and go up to $4,000.

What do you need to qualify for a line of credit with Advance Financial?

Applicants with a credit score of at least 300 can apply for a line of credit via Advance Financial. The minimum age to apply for a line of credit is 18 or the state minimum, whichever is higher.

Advance Financial only considers borrowers who are employed.

Active duty servicemembers and their covered dependents cannot apply for a line of credit via Advance Financial. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

Only U.S. citizens and permanent residents can apply for a line of credit.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Proof of income

What is the estimated funding time for a personal line of credit via Advance Financial?

Advance Financial will typically approve (or deny) a line of credit application within 48 hours and fund personal lines of credit within 1 business day of approval.

Does Advance Financial report payments to credit bureaus?

Advance Financial may report credit data to the following credit reporting agencies:

  • Alternative credit bureaus (not Transunion, Experian, or Equifax)
ADVANCE FINANCIAL Disclosure: Advance Financial offers short-term FLEX Loans as an alternative to payday, installment, and title loans. All offers rendered are contingent on verification of our approval criteria, including minimum monthly income. Bank participation is required for same day funding.
SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


  • Headquarters
  •   100 Oceanside Drive
    Nashville, TN 37204 USA

Message from Advance Financial

Advance Financial, a Nashville TN based fintech, aims to deliver a full suite of financial services through 88+ storefronts and a growing digital footprint, executing on fast, easy, and above and beyond customer experience. Advance Financial powers its services through customer oriented proprietary systems which quickly leverage customer insights, data, and emerging technologies to best assess its customers needs.


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  Available in 11 states
  • Alabama
  • California
  • Delaware
  • Idaho
  • Kansas
  • Missouri
  • North Dakota
  • Tennessee
  • Utah
  • Virginia
  • Wisconsin

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
No Late Fees  
Minimum Age 18
Credit Score Range 300 - 700
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Military Status
  • Non-Military
  • Veterans
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $100 - $4K
APR (Fixed APR) 240% - 360%



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