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

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Community Rating Strongly recommended
APR  (Fixed APR) 240% - 360%
Loan Amount $100 - $4,000
Number of Reviews 21

Advance Financial FLEX Loan Review

Where does Advance Financial FLEX Loan do business?

Advance Financial FLEX Loan is a direct lender based in Nashville, TN. that was founded in 1998. Advance Financial FLEX Loan is offered in 11 state s across the USA.

What are the APRs offered via Advance Financial FLEX Loan?

Advance Financial FLEX Loan offers personal lines of credit with fixed APRs starting from 240% to 360%.

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 Typically, fees range from 0.5% to 10% of the amount withdrawn.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..

Does Advance Financial FLEX Loan charge prepayment fees?

No, Advance Financial FLEX Loan 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 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 a line of credit with Advance Financial FLEX Loan?

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

Advance Financial FLEX Loan only considers borrowers who are employed, or have a regular source of income or benefits Active duty servicemembers and their covered dependents are not considered covered borrowers under the Military Lending Act (32 C.F.R. § 232). This means they cannot apply for a line of credit via Advance Financial FLEX Loan. 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 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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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


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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
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%

Advance Financial FLEX Loan Community Reviews


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