Advance America Reviews – Legit or Scam?
from 49 reviews Review It


Advance America was established in 1997 and is currently one of the nation’s largest payday loan companies, offering full service operations both at in person locations and online.

Advance America offers a full range of short term financial services, from payday loans to installment loans, MoneyGram services, Visa prepaid cards, auto equity loans, gold buying, and even tax preparation.

You can obtain payday loans from Advance America at their in house locations, as quickly as ten minutes after your application has been approved, or from their online website, and the funds will be direct deposited into your bank account the next day.

Warnings About Payday Loans

Payday loans are extremely controversial. Because payday loans are targeted at people who need cash immediately and have no other means of receiving it, these companies are able to charge high interest rates, with the nationwide average being 390% APR.

Often these high interest rates result in people’s inability to be able to pay back these short term loans on time, which results in a series of fees making it even more difficult for those struggling financially to keep up with it.

Because of this problematic cycle, individual states have created rules and regulations regarding the approval of payday loans and limiting their fees. Some states have outlawed the practice, while others have few regulations that limit payday lenders.

Advance America’s Payday Loans

In an effort to combat the negative stereotypes associated with payday loans, Advance America claims to be committed to following all federal and individual state laws associated with giving payday loans.

Also, they are a member of the Community Financial Services Association of America (CFSA), which is the only national organization dedicated to promoting responsible regulation of the payday advance industry.

As a member of CFSA, Advance America claims that they make sure all their terms, conditions, fees, and payback schedules are as clear and easy to understand as possible, so that their clients have the best chance at successfully paying back their short term loans.

Even though Advance America makes all these assurances, it is still up to those borrowing the money to ensure they know exactly what they are getting into before they accept the terms of the loan being offered to them.

Note: If you’re interested in learning more about Payday Loans check out our detailed guide, “Payday Loans Explained: Should You Ever Get One?” for more info.

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Customer Responses, Reviews, or Complaints

Average Rating for " Advance America " is 1.78 out of 5 based on 49 reviews.
  • I have a man that is offering me a $4000 loan but says that i need to purchase a vanalla reload network card first in order to receive this loan of $4000 @5%.... this is unreal with my credit score!! I am wandering is this ligit or a scam. The name of the company is Advance America Payday Loan. And the persoN I talked to is name James Thompson @ 979-6639-7734. please reply all!!!
    • noooo this is a scam!! i hope you didnt follow through with it. if you need money fast its best to get to a loaning company in person, dont do it over the phone or online, because if you think about it you never know whose on the other side, and besides loaning companies usually give you the money first and then you pay it back with interest.
  • i paid the transfere fee and the insurance for the loan and i never received the loan i need to find ot how i go about getting my money back the was given to them i have the phone number and the contract but i never received the money in my account
  • I need this loan to pay bills& fix my car.
  • Someone is using this company name or the company itself is a scam artist. The telephone number used is out of Jersey City, NJ the county of Hudson and the name is unlisted. It's carrier is YMAX Communications Corporation. These individual(s)is some how is linked to the pay lenders and get your name once you apply for a loan. Then ask you get a Green Dot Card for payment. Pertains that your social security number has been red flagged. If America PayDay Loan is legit they will need to put a stop to these individual(s)
  • I would like to know if it legitimate on my part to buy a greendot.card and put $500 on it. They want my account number and pin after I purchase it. This is advance america and I would like some assurance from somebody who did this if they will actually send my loan amount after getting the greendot card number and pin from me over the phone. Thank you.
  • I had a problem with a company called payday for America. I wired the only 400 dollars I had then while on the phone with them the line goes dead. He was an Indian guy claiming his name was Brian Johnson. If someone gets a call from 909-666-7868
    • I actually got a call from that same guy but a different number and a formal letter. Did he take your money. I told him it sounded like a scam! I am very unsure about this.
  • I am looking for someone who had to put money on a greendot money pack paper card before receiving a loan from them, and did their bank charge a wire transfer fee? Help
    • Hello I'm going the same situation I did the greendot money pack paper card then later be told that I had to pay 150.00 wire fee which I didn't do. The people that I went through number is 818 850 5416. Please if anybody knows anything please let me know.
  • Up until a few months ago I would have given Advance America a stellar report. We had worked with them several times. However, suddenly my husband and I were both without jobs and I called them to make arrangements to pay out my loan in a timely manner. All was going fine until I had to change the account I was paying them out of... I called and asked to stop the automatice withdrawal that was coming out the next month and to change it to another account. They drew on the old account and it bounced. Then without contacting me at all they charged me with check fraud. Since I had closed the old account, I had no idea they had charged it and not the other account. The amount in the account they were supposed to take it from was so sufficient that I never noticed they hadn't pulled the small amount we still owed. Not until I received a call from a check fraud company who were getting ready to serve a warrant on me, did I know this was even going on. Now, up until this I received monthly emails from Advance America, I called them monthly and maintained contact, there were no problems. I am extremely disappointed in this company and will not EVER be using them again.
    • Im interested in getting a loan from these ppl did you have to put money on a card or something in order to get your first loan?
  • Stay away from payday nation. They are scammers. Charge $1000 for a $500 loan.
    • Not Advance America...they charge 17.50 in my state for $100.00. In my opinion, if I'm in a bind and need quick cash, I would rather pay that than have a $35 overdraft fee in my checking account. Car title loans are the bad ones.
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