Emergency Loans

An emergency loan is short-term financial support designed for life's moments that can't be scheduled and can't wait. After applying and being approved for an emergency loan, you can receive the funds you need as soon as the same day.  

Bad credit or no credit history? You can still get approved. We look at the full picture, not just your credit score.  

Advance America offers a variety of emergency loans, including payday loans, installment loans, and lines of credit. Start an application online or in-store to explore what works for you.

In times of financial crisis, an emergency loan can be a lifeline. Advance America customers have used our loans to cover:

Medical expenses. When unexpected illnesses or injuries lead to hefty medical bills, a short-term loan can help cover out-of-pocket costs for hospital stays, treatments, and medications. 

Home repairs. Sudden issues like a broken furnace or appliance can't always wait. An emergency home repair loan could provide the funds you need to address these problems and keep your home safe and comfortable. 

Auto repairs. Car trouble can be a major disruption. Whether it’s a flat tire, engine repair, or other necessary maintenance, an emergency car repair loan can cover the costs and get you back on the road quickly.

Rent payments. Falling behind on rent can lead to eviction or other serious consequences. An emergency loan can help you catch up on rent payments when you're in a pinch.

Utility bills. Missed utility bills can lead to shutoffs, leaving you disconnected and in the dark. Emergency loans for utilities can help you stay up to date and powered.  

Travel expenses. When a family emergency calls for immediate travel, a quick loan can help cover costs like flights and accommodations, allowing you to be there when it matters most.

Lost valuables. If a crucial item like a laptop is lost or stolen, a short-term loan can help you replace it quickly and avoid major disruptions to your work or personal life.

Pet care. Pets are family, but unexpected vet bills can catch you off guard. Pet emergency loans can ensure your pet receives the care they need.

Funeral costs. Losing a loved one is always difficult. An emergency funeral loan can help you cover funeral costs and other related expenses, allowing you to focus on supporting your family.

Tax bills. Finding out you owe money to the IRS can be stressful. A quick loan can provide the money you need to settle your debt and avoid tax penalties.

Identity theft. If you’re a victim of debit or credit card fraud, a short-term loan can help you cover everyday expenses while you work to resolve the issue.

We care about helping your current situation, regardless of your past. Whether you have bad credit or no credit history, you could still get a loan to help you manage life’s emergencies. Advance America looks at multiple factors beyond just credit when reviewing applications, and we frequently provide loans to borrowers with little or no credit.

Each state regulates loans differently. While availability varies by location, Advance America offers the following loan options to our customers:

Emergency payday loans 

A payday loan is a short-term, small-dollar cash advance loan that can provide you with extra funds to make it to payday. Unlike other types of loans, payday loans are repaid in full the next time you get paid.

Emergency installment loans

An installment loan could help you cover emergency expenses by providing a lump sum of money that you pay back over time. Payments can last from a few months to a couple of years, depending on your loan terms.

Emergency car title loans 

If you’ve paid off your car, truck, motorcycle, or RV and have the title in hand, you may be able to get a title loan based on the vehicle’s appraised value. Advance America has partnered with LoanCenter to offer online title loans up to $25,000.

Emergency line of credit 

When you open a personal line of credit, you’ll have ongoing access to funds up to your approved borrow amount. Use as much or as little as you need, when you need it, as long as funds are available.

The rates and terms for our emergency loans are based on state regulations. Finance charges also vary by state, loan type, and term length.

You can learn more about emergency loan rates & terms by selecting your state.