Advance America

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Advance America


in Personal Loans from Advance America

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Loan Amount $100 - $5,000
APR 143.29% - 688.28%
Loan Term (Months) N/A


Where does Advance America do business?

Advance America is a direct lender based in Spartanburg, SC. Founded in 1997, Advance America offers access to personal loans in 29 states across the USA.

What rates and terms does Advance America offer?

Advance America has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does Advance America offer?

Advance America offers a personal loan product that ranges from 143.29% APR up to 688.28% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via Advance America?

Loan amounts start at $100 and go up to $5,000.

Advance America Rates & Terms
Loan Amount $100 - $5000
Loan Term N/A
APR 143.29% - 688.28%

What fees does Advance America charge?

Does Advance America charge an origination fee?

Advance America charges a loan origination fee.

Does Advance America charge a late fee?

Yes, Advance America may charge borrowers a late payment fee

Does Advance America charge prepayment fees?

No, Advance America does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

Advance America Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for a loan with Advance America?

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

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

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

  • Driver's license
  • Applicants must have an active and valid checking account
  • Proof of citizenship or residence permit
  • Proof of income
Advance America Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Joint Applications Accepted? Yes
Credit Score 300 - 640

What is the estimated funding time for a personal loan via Advance America?

Advance America will typically approve (or deny) a loan application within 24 hours and fund personal loans within 3 business days of approval.

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  • Headquarters
  •   135 N Church St
    Spartanburg, SC 29306 USA
  •   Visit Site

Other Services by Advance America


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 29 states
  • Alabama
  • California
  • Colorado
  • Delaware
  • Florida
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • Ohio
  • Oklahoma
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee  
Minimum Age 18
Credit Score Range 300 - 640
Immigration Status Considered
  • U.S. Permanent Resident
Bank Account Required  
Military Status
  • Non-Military
  • Veterans
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Proof of Income
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $100 - $5K
APR 143.29% - 688.28%

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