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Last Updated: 09/22/2025

Advance Financial FLEX Loan

from Advance Financial

Last Updated: 09/22/2025

Mostly recommended17 total votes

10 users recommend

1 users are unsure

6 users don't recommend

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Highlights

Community Rating

Mostly recommended

Amount Range

$25 - $4,000

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APR (Fixed APR)

279.50% - 450%(Verified 09/22/2025)

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Number of Reviews

Advance Financial FLEX Loan Review

Advance Financial FLEX Loan is offered through Advance Financial, a direct lender founded in 1998 and based in Nashville, TN. Advance Financial are available in 9 states.

Advance Financial FLEX Loan FAQ

What APRs does Advance Financial FLEX Loan offer?

Advance Financial FLEX Loan offers an APR that ranges from 279.50% APR up to 450% APR.

Does the 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 the 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 Typically, fees range from 0.5% to 10% of the amount withdrawn.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 of up to $0 .

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 limit of at least $25 and as much as $4,000. .

Advance Financial FLEX Loan Fees

Cash Advance Fee

N/A

Origination Fee

Prepayment Fee?

Late Payment Fee

Statement Balance Fee

Billing Cycle Charge

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.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Advance Financial FLEX Loan.

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

Recent pay stubs
Proof of income
Driver's license or other government photo ID
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 fund personal lines of credit within 1 business day of approval.

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

Yes, Advance Financial FLEX Loan reports to the following credit bureau:

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

Does Advance Financial perform a hard credit pull?

Yes, Advance Financial performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Advance Financial FLEX Loan

Visit the Advance Financial FLEX Loan website.
Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
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: SuperMoney.com 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...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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.

Contact

Headquarters

100 Oceanside Drive

Nashville, TN 37204

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SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +24, or 3.5 on a 5-point rating scale.

+24

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Advance Financial FLEX Loan Community Reviews

Would you recommend Advance Financial FLEX Loan to your friends?

Nyoka A.

Sep 16, 2023

May or may not recommend

Predatory lending at its finest and should be shut down. Interest is applied daily to your loan making it difficult to pay it off. DO NOT TAKE A LOAN OUT WITH ADVANCE FINANCIAL 24/7!

James D.

Sep 9, 2023

May or may not recommend

You sent a letter saying I was pre-qualified and after 15 min filling out info you tell me to bad so sad can't do it

William T.

Aug 12, 2022

May or may not recommend

Fast and personal and easy way to apply on line

Natasha T.

Jun 13, 2022

May or may not recommend

ALL I HAVE TO SAY IS ..PREDATORY LENDING!!!!!!!!!! 260% …..LAUGHABLE!!!!!

Matthew D.

Feb 1, 2022

May or may not recommend

I do not recommend! 249% APR, your paying way to much back. It's designed to keep you in debt and owing more than you really need to pay back. Greedy. I've done this 2 times with them and never again!

Matt P.

Dec 5, 2020

May or may not recommend

Advance Financial FLEX Loan Personal Lines of Credit was a very convenient service personally for my families hardships. For the user offering several services and no tacky add on fees for processing the loan and qualification of said loan (greatly assisted us in paying back the loan as there where no hoops to jump through). Offering Loan Amounts ranging from $100 - $4,000 and a fixed APR OF 240% - ...Show More

Cal M.

Jul 18, 2020

May or may not recommend

Stay away from this predatory Lender. They should be put out of business. Imagine borrowing $1,500 because you're in a bind. Imagine an interest rate of 360% (how on earth is that legal?@%#$). Imagine making monthly payments larger than your car payment but the balance never goes down. Imagine that after only a year and a half you end up paying almost 4 times the amount borrowed. Total amount paid ...Show More

Marie C.

Jul 27, 2019

May or may not recommend

Beware! This place tells you your payment is one thing (100a month) but then two months later the increase it (158) and the next month it increases again (192) and increase it again(219) until you finally get to the point that you can't pay it anymore because it's putting you negative with your bank and I had to close my bank account because they wouldn't quit and then they ...Show More

Peggy H.

Jul 9, 2019

May or may not recommend

Im not haven't done anything yet this is crazy make me fill this out first

Anonymous

May 30, 2019

May or may not recommend

Greater than that of credit with my dilemma is the only one

Anne W.

Dec 28, 2018

May or may not recommend

I really love coming to Advance Financial they are so nice every time i come in and very sweet and helpful, they remember me every time and it makes me feel at home

Shane B.

Dec 28, 2018

May or may not recommend

Great experience overall. They were very helpful and it was an easy process.

Antoon G.

Dec 28, 2018

May or may not recommend

advance financial is a great place to get a short term loan. great work staff

David L.

Dec 28, 2018

May or may not recommend

Friendly people and explain the loan to you until you understand it