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Last Updated: 04/18/2025

Advance America Installment Loans

from AARC LLC

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly recommended6 total votes

3 users recommend

3 users don't recommend

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Highlights

Community Rating

Mostly recommended

APR

143.29% - 688.28%(Verified 06/21/2024)

Disclaimer popup with additional information

Amount Range

$100 - $5,000

Loan Term (Months)

N/A

Number of Reviews

Advance America Installment Loans Review

Advance America Installment Loans is offered by AARC LLC, a direct lender founded in 1997 and based in Spartanburg, SC. Advance America are available in 29 states.

Key Takeaways

Fast access to funds. If approved, AARC LLC will send the money in as little as 24 hours.

Advance America Pros & Cons

Pros

Cons

No prepayment penalty.
Considers applicants of all credit types.
Get funded in as little as 1 business day.

APRs as high as 688.28%.
Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Advance America Installment Loans does not report to credit bureaus.
No co-sign option available.

Advance America FAQ

What interest rates and personal loan terms does Advance America offer?

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

What interest rates does Advance America offer?

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

How much can you borrow via Advance America?

Personal loan amounts start at $100 and go up to $5,000

Advance America Interest Rates & Loan Terms

Personal 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 may charge a personal loan origination fee .

Does Advance America charge a late fee?

Advance America does not disclose whether it charges late payment fees.

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 personal loan off early.

Advance America Fees

Origination Fee

Prepayment Fee

Late Payment Fee

What do you need to qualify for Advance America Installment Loans?

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

Advance America Installment Loans does not have or does not disclose a minimum annual income eligibility requirement.

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

Applicants must have an active and valid personal checking account
Proof of income
Driver's license or other government photo ID
Proof of citizenship or residence permit

Advance America Eligibility Criteria

Minimum Age

Bank Account Required?

Yes

Application Types Accepted

Individual Applications

Credit Score

300 - 640

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

Advance America will typically fund loans within 1 to 3 business days of approval and clearing necessary verifications.

Does AARC LLC perform a hard credit pull?

Yes, Advance America 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.

Are Advance America Installment Loans legit?

AARC LLC was founded in 1997, it is a well-established company that has been in business for 29 years. Advance America Installment Loans is mostly recommended by SuperMoney community users.

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.

Contact

Headquarters

135 N Church St

Spartanburg, SC 29306

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of 0, or 3 on a 5-point rating scale.

-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 America Installment Loans Community Reviews

Would you recommend Advance America Installment Loans to your friends?

Sheila C.

Dec 21, 2023

May or may not recommend

Very nice service each and every time I venture to this establishment, the one located on East broad Street Columbus Ohio Tamika is excellent! Good customer service very helpful!

Betty E.

Feb 9, 2020

May or may not recommend

I have try it and it have work for me.

Anonymous

Jan 7, 2020

May or may not recommend

They report installment loans as payday loans and do no follow Fl state regulations

Daniel S.

Oct 21, 2019

May or may not recommend

When I called to verify the loan, I got a message on three occasions that informed me that I would receive a call back. For all three calls I never got a return call. I have reason to believe this to be a scam and unless I am contacted, this will be reported to FBI and better business officials. I look forward to a response whether such response is in ...Show More

Anonymous

Jul 14, 2019

May or may not recommend

Very good to work with recommend Give a try take a chance.

Judy S.

Jul 9, 2019

May or may not recommend

Have had good experiences with advance america in tc office

Showing 6 of 6 reviews