Frequently Asked Questions -
Online Loans

Online Loans are safe as long as you work with a reputable lender. Before applying for any loan online, ensure the lender is well established, has mostly positive reviews, and uses a secure website. You can verify website security by looking for the padlock icon in the URL address bar.

Advance America has over 25+ years of experience and countless positive reviews on Google and Trustpilot. Any information you submit for your Online Loan is sent through our secure server and kept in an encrypted database. For more details, see our Privacy Policy.

You don’t need good credit to qualify for an Online Loan. When reviewing your application, Advance America considers factors in addition to your credit, such as your income, employment status, and current debt.

Information about your credit is needed to get an Online Loan. As part of the online application process, Advance America will review your credit history, but this will not impact your FICO or Vantage scores.

To apply for an online loan, simply click the Apply Now button to get started and the process is done completely online. Just submit your application, and you’ll receive a loan decision right away. If approved, you select your loan amount and electronically sign your documents. Then, the loan is directly deposited into your bank account no later than the next banking day. When payments are due, the agreed upon amounts are electronically deducted from your bank account.

To apply, you must:

• Have an active checking account
• Have a steady source of income
• Have a Social Security Number
• Have a valid and active email address
• Must be at least 18 years of age (Alabama residents must be at least 19 or 18 and married)

Your bank will receive an electronic request for the amount specified in your loan agreement. Payments are withdrawn via ACH (Automated Clearing House) or other electronic method on the payment date. Depending on your loan type, other repayment options may be available.

For online loans, payments are automatically scheduled to be withdrawn from your checking account on the due date. You can also make a payment anytime by logging in to your online account and select Make a Payment. Or, you can make a payment over the phone by calling (844)562-6480 or connect with us through chat.

Past-due payments may impact your ability to take out future loans with Advance America or other lenders. We’re committed to the fair and lawful collection of past-due accounts and can work with you to establish payment arrangements.

If you anticipate being unable to repay your Online Loan on time, please get in touch with your local store or call us at (844) 562-6480.

Online Loan payments are automatically withdrawn from your checking account on the due date. You can also make a payment by logging in to your online account or calling (877) 505-0701.

The amount of money you can receive from an Online Loan is regulated by state law and will depend on your income, employment status, and credit history. Enter your location to view loan amounts and fees in your state.

If your online application is approved before 10:30 AM ET (M-F), you will typically receive the funds in your bank account by 5 PM ET that day. Loans approved after 10:30 AM ET are usually funded the morning of the next banking day.

For new customers, receiving funds from your online loan varies based on the time your application is approved. Once you receive the email notification of your loan approval, use the guidelines below to determine the timing of receiving your money:

Monday through Friday: If your loan is approved by 10:30 AM ET, Monday – Friday, you will typically receive your funds by end of the same day. If your loan approval is after 10:30 AM ET, you will typically be funded the morning of the next banking day.

Friday 10:30 AM ET - Sunday 10:30 AM ET: If your loan is approved between 10:30 AM ET on Friday and 10:30 AM ET on Monday, you will receive your funds on Monday, unless it is a bank holiday.

Please note, the exact time of funding depends on when your bank posts to your bank account. If you expect to receive funds on a certain day but have not, first contact your bank.

Before final loan approval, you may receive an email regarding your loan status. Please check the email used to apply for a loan, as we may request additional information to finalize your application. As soon as we receive the information requested, we will complete your loan processing.

For existing customers, instant deposit of your funds to your debit card is an option in most states.

Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

Most people can complete their Online Loan application in just a few minutes. You can speed up the process by having your personal and financial information ready.

You don’t need good credit to qualify for an Online Loan. When reviewing your application, Advance America considers factors in addition to your credit, such as your income, employment status, and current debt.

Most people can complete their Online Loan application in just a few minutes. You can speed up the process by having your personal and financial information ready.

Here are the steps borrowers can take to get approved for an online loan from Advance America:

1. Gather all necessary documents: Once you’ve found an online loan with rates and terms that work for you, collect all documents you’ll need to apply. Advance America will require you to provide information like a government issued ID, bank account number, and Social Security Number.
2. Fill out an application: Fill out your online Advance America loan application from the comfort of home, providing all necessary personal and financial details.
3. Submit your application: After you’ve double-checked to make sure all information on your application is accurate, you can submit the application and wait for approval. We offer an instant approval decision, so borrowers don’t have to wait long to see whether they can get the funds they need.
4. Receive your funds: If approved for an Advance America loan, you can get your funds as soon as the same day you applied.

Online loans are legit as long as you work with a safe and reputable lender. Before applying for an online loan, ensure the lender has a good online review. Advance America, for instance, has countless positive reviews on Google and TrustPilot.

Loans online are a fast and easy solution for your money needs.  You can both apply and repay your loan online, at your convenience so there’s no need to visit a location. Just submit an online application and if approved, the funds from the loan will be deposited directly into your bank account, as soon as the same day*. Your repayment of the loan is electronically deducted from your bank account on your due date(s).

To find out if an Online Loan is available in your state, begin by entering your state above. Once you are ready to apply for the Online Loan of your choice, simply click “Apply Online” at the top of the page. Keep in mind, the documentation needed to apply will vary by your state and loan type. Below are the easy steps you’ll need to complete to apply.

• Step 1: Choose your loan and select “Apply Online”

• Step 2: Provide your personal contact information. You’ll need your Social Security number.

• Step 3: Provide your employment information

• Step 4: Provide banking details. Both checking account number and ABA routing number are needed. Prepaid cards are not accepted.

• Step 5: Sign and submit

Your application may be approved quickly in a matter of minutes and you can receive your Online Loan same day^*.

Information about your credit is needed to get an Online Loan. As part of the online application process, Advance America will review your credit history, but this will not impact your FICO or Vantage scores.

In select states, Advance America gives you access to online loan services, online Payday Loans, online Installment Loans or Line of Credit.

A Cash Advance (or Payday Loan) is a short-term, small-dollar loan that you can use to cover unexpected expenses or bridge a temporary gap between paychecks. A Cash Advance is a financial solution that provides an alternative to bouncing checks or paying late fees. Cash Advances are used to cover short-term financial situations; not a long-term financial solution.

An Installment Loan typically offers larger loan amounts, and allows you to repay the loan over a longer period of time.

A Line of Credit provides convenient, personal access to money when you need it. Apply just once, and receive approval up to a specific credit limit. Then, withdraw money as you need it up to your approved amount. You only pay interest on the money you withdraw, and the rest remains available if needed.

To find out if online loans are available in your state, click here.

Advance America offers various online loan types. Keep in mind that your financial situation, state availability, and personal needs will ultimately determine which of the available Online Loan options are best for you.

Online Payday Loans, Installment Loans, online Cash Advance or Line of Credit are processed completely online, so there’s no need to visit a location. Just submit an online application and if approved, the funds from the loan will be deposited directly into your bank account, as soon as the same day*

Your repayment of the loan is electronically deducted from your bank account on your due date(s).

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

To apply for an online loan, simply click the Apply Now button to get started and the process is done completely online. Just submit your application, and you’ll receive a loan decision right away. If approved, you select your loan amount and electronically sign your documents. Then, the loan is directly deposited into your bank account no later than the next banking day. When payments are due, the agreed upon amounts are electronically deducted from your bank account.

To apply, you must:

• Have an active checking account
• Have a steady source of income
• Have a Social Security Number
• Have a valid and active email address
• Must be at least 18 years of age (Alabama residents must be at least 19 or 18 and married)

Your bank will receive an electronic request for the amount specified in your loan agreement. Payments are withdrawn via ACH (Automated Clearing House) or other electronic method on the payment date. Depending on your loan type, other repayment options may be available.

In states where online Payday Loans, Installment Loans, online Cash Advance, and Line of Credit are available, simply click the "Apply Now" button and complete the application. Once you’ve submitted your application, you may be eligible for a loan of $100 or more deposited directly into your checking account the same day.*

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

To find out if online loans are available in your state, click here.

For online loans, payments are automatically scheduled to be withdrawn from your checking account on the due date. You can also make a payment anytime by logging in to your online account and select Make a Payment. Or, you can make a payment over the phone by calling (844)562-6480 or connect with us through chat.

Past-due payments may impact your ability to take out future loans with Advance America or other lenders. We’re committed to the fair and lawful collection of past-due accounts and can work with you to establish payment arrangements.

If you anticipate being unable to repay your Online Loan on time, please get in touch with your local store or call us at (844) 562-6480.

Even with a poor credit history or previous bankruptcy filing, you still may be eligible to receive an Online Loan with Advance America.

Online loans are regulated by each state. We abide by the applicable laws, rules and regulations of each state in which we operate, as well as the applicable federal laws. In addition, as members of OLA, we follow industry best practices where applicable to provide a more responsible online service. Please note that not all online loan providers always provide these same levels of safeguards, so be sure to use a reputable company for access to online Cash Advances, Installment and Line of Credit Loans.

Online Loan payments are automatically withdrawn from your checking account on the due date. You can also make a payment by logging in to your online account or calling (877) 505-0701.

When you need money, online Cash Advance, Installment Loans, and Line of Credit Loans through Advance America are simple, quick, and provide the convenience of applying the privacy of your home in as little as 10 minutes, you may be eligible to have funds directly deposited into your checking account the same day.*

There are so many reasons to feel confident about turning to Advance America:

• We‘re a state-licensed company which means we follow all applicable state and federal laws.

• All rates, terms and fees are explicitly outlined in the agreement with no unexpected charges or no hidden costs when borrowing.

• We use simple, straight-forward language to ensure our fees and payment terms are clearly understood, so you know exactly what and how you’re paying.

• We‘re committed to providing a safe, secure and private transaction.

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

You must meet the following requirements to be eligible to receive a loan or Credit Services:

• Have an active checking account with your income direct deposited

• Have a steady source of income

• Have a Social Security Number and valid and active email address

• Must be at least 18 years of age (Alabama residents must be at least 19 or 18 and married)

Due to state and verification requirements, some customers may be required to submit additional documentation. If you have defaulted on past transactions, this may affect the amount you receive for future loans or could possibly result in being declined for a loan.

The amount of money you can receive from an Online Loan is regulated by state law and will depend on your income, employment status, and credit history. Enter your location to view loan amounts and fees in your state.

As part of the online application process, Advance America will review your credit history, but this will not impact your FICO or Vantage scores.

The fees are specific for your state. If online loans are available in your state, you can view fee information by clicking here.

If your online application is approved before 10:30 AM ET (M-F), you will typically receive the funds in your bank account by 5 PM ET that day. Loans approved after 10:30 AM ET are usually funded the morning of the next banking day.

For new customers, receiving funds from your online loan varies based on the time your application is approved. Once you receive the email notification of your loan approval, use the guidelines below to determine the timing of receiving your money:

Monday through Friday: If your loan is approved by 10:30 AM ET, Monday – Friday, you will typically receive your funds by end of the same day. If your loan approval is after 10:30 AM ET, you will typically be funded the morning of the next banking day.

Friday 10:30 AM ET - Sunday 10:30 AM ET: If your loan is approved between 10:30 AM ET on Friday and 10:30 AM ET on Monday, you will receive your funds on Monday, unless it is a bank holiday.

Please note, the exact time of funding depends on when your bank posts to your bank account. If you expect to receive funds on a certain day but have not, first contact your bank.

Before final loan approval, you may receive an email regarding your loan status. Please check the email used to apply for a loan, as we may request additional information to finalize your application. As soon as we receive the information requested, we will complete your loan processing.

For existing customers, instant deposit of your funds to your debit card is an option in most states.

Every state has its own laws and regulations. A Payday Loan will typically be due on your next payday. An Installment Loan typically allows a longer time to pay back over multiple installment payments. Please click here to view more information on the loans available for you.

Once you complete your application, you will receive a pre-approval message almost instantly if you have met the preliminary requirements. If further review is needed, it may take longer to determine if you are fully approved since a more detailed background check is needed.

Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

No, in most cases our Online Loan process is paperless, making it easy to get the money you need. In some states, you may be required to provide documentation, but you can always upload or email your documents to us.

Yes. Because an Online Loan is deposited directly into your bank account, bank holidays could delay the timing of your loan deposit. The following bank holidays are observed by all Federal Banks:

• New Year’s Day

• Martin Luther King, Jr. Day

• President‘s Day

• Memorial Day

• Independence Day

• Labor Day

• Columbus Day

• Veterans Day

• Thanksgiving Day

• Christmas Day

For holidays falling on a Saturday, Federal Reserve Banks will be open the preceding Friday. For holidays falling on Sunday, all Federal Reserve Banks will be closed the following Monday. Be sure to check with your bank’s holiday schedule. Click here for details.

Online Loans are safe as long as you work with a reputable lender. Before applying for any loan online, ensure the lender is well established, has mostly positive reviews, and uses a secure website. You can verify website security by looking for the padlock icon in the URL address bar.

Advance America has over 25+ years of experience and countless positive reviews on Google and Trustpilot. Any information you submit for your Online Loan is sent through our secure server and kept in an encrypted database. For more details, see our Privacy Policy.