Advance Financial FLEX Loan

Advance Financial FLEX Loan

in Personal Lines of Credit from Advance Financial


Advance Financial FLEX Loan


in Personal Lines of Credit from Advance Financial

SuperMoney Net Recommendation Score +73% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

9 users recommend
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1 user doesn't recommend
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Community Rating Strongly recommended
APR  (Fixed APR) 240% - 360%
Loan Amount $100 - $4,000
Number of Reviews 11

Advance Financial FLEX Loan Review

Advance Financial FLEX Loan is offered by Advance Financial, a direct lender founded in 1998 and based in Nashville, TN. Advance Financial FLEX Loan is available in 11 states across the USA.

What APRs does Advance Financial FLEX Loan offer?

Advance Financial FLEX Loan offers a fixed APR product that ranges from 240% APR up to 360% APR.

Does Advance Financial FLEX Loan charge an origination fee?

No, Advance Financial FLEX Loan 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 FLEX Loan charge a cash advance fee?

No, Advance Financial FLEX Loan 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 Typically, fees range from 0.5% to 10% of the amount withdrawn.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 FLEX Loan charge a late fee?

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

How much can you borrow via Advance Financial FLEX Loan?

Upon approval and based on your credit worthiness, your Advance Financial FLEX Loan personal line of credit will be assigned a credit line of at least $100 and as much as $4,000. .

Advance Financial FLEX Loan Fees
Cash Advance Fee N/A
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for Advance Financial FLEX Loan?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Advance Financial FLEX Loan does not have or does not disclose a minimum annual income eligibility requirement. Advance Financial FLEX Loan only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Advance Financial FLEX Loan product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Advance Financial FLEX Loan. Permanent resident / green card holders are also eligible to apply.

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

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

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

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

Does Advance Financial FLEX Loan report your account activity to credit bureaus?

Advance Financial FLEX Loan reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Advance Financial FLEX Loan

  • Visit the Advance Financial website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
ADVANCE FINANCIAL FLEX LOAN 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
  •   Visit Site

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.

About Advance Financial FLEX Loan


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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  
Credit Score Range 300 - 700
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted Individual Applications
Military Status
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Approval Speed 48 hours
Credit Bureau Reporting Other
Customizable Payment Dates  
Funding Time Range 0 - 1 day
Payment Options
  • Automatic Payments
  • Credit/Debit Card
  • Storefront
APR (Fixed APR) 240% - 360%
Loan Amount $100 - $4,000

Advance Financial FLEX Loan Community Reviews


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