Meet Advance America
Hey there, I’m Randy Murrie from Ready Payday Loans. If you’ve been checking out fast loan options, there’s a good chance you’ve run into Advance America. With thousands of locations and a full-featured website, Advance America has become one of the most recognized names in short-term lending.
In this review, I’ll walk you through everything they offer from payday loans to installment loans, so you can decide if they’re the right fit for your financial needs.
Who is Advance America?
Advance America is a trusted financial services provider that’s been around since 1997. They offer a wide range of cash solutions and operate both online and in physical locations throughout the United States.
Highlights:
- Over 1,400 store locations
- Easy online application
- Same-day funding in many cases
- Accepts all types of credit
- Offers additional services like money transfers and prepaid cards
Loan Options from Advance America
Payday Loans
These short-term loans are designed to cover small expenses until your next paycheck.
- Amount: Varies by state, often up to $1,500
- Repayment: Due on your next payday
- Funding: Possible on the same day
Installment Loans
Spread your payments over time with fixed monthly installments.
- Amount: Up to $5,000
- Terms: Flexible terms based on loan size and location
Title Loans
Use your vehicle title to secure a loan.
- Available in select states
- Amount: Depends on the value of your car
Lines of Credit
Open-ended borrowing for flexible financial needs.
- Borrow what you need, when you need it
- Revolving credit limits
Additional Services
- MoneyGram money transfers
- NetSpend Visa Prepaid Cards
- Tax services
How to Apply
Applying is simple and quick whether you’re at home or visiting a store.
Steps to Apply:
- Visit advanceamerica.net or go to a local branch
- Complete the short application
- Provide ID and proof of income
- Receive approval and funding—often the same day
Application Timeline
| Step | Estimated Time |
| Application | 5–10 minutes |
| Approval Decision | Within minutes |
| Funds Sent | Same day (in most cases) |
Basic Requirements
To qualify, you’ll typically need:
- Be 18 or older
- Proof of steady income
- Active checking account
- Valid government-issued ID
Where You Can Find ACE Cash Express
They have a presence both online and in many brick-and-mortar locations, though availability varies by state.
Bar Chart: Loan Availability by Channel
What Customers Say
“I walked into the store and was out with cash in 15 minutes. Super helpful staff!” – Tanya L.
“Their website is easy to use, and I got approved fast!” – Jamal P.
Trust and Transparency
Advance America is a licensed lender that follows all state and federal lending laws. Their website provides clear info on rates, terms, and eligibility.
Why Choose Advance America?
- Over two decades of experience
- Large physical presence and online support
- Quick funding times
- Multiple loan options
- Financial services beyond lending
Comparison Chart: Advance America vs. Ready Payday Loans
| Feature | ACE Cash Express | Ready Payday Loans |
| Online Application | Yes | Yes |
| In-Store Services | Yes | No |
| Same-Day Funding | Yes | Yes |
| Accepts Poor Credit | Yes | Yes |
| Personalized Support | Limited | Yes |
U.S. Payday Loan Insights (2024)
| Fact | Number |
| Average Loan Amount | $375 |
| Average APR | 391% |
| Number of Users Per Year | 12 million |
| Average Loan Duration | 14–30 days |
Source: Pew Research Center, Experian, CFPB
Wrapping Up
If you’re looking for quick and reliable short-term financial help, Advance America is a strong choice. Their broad loan offerings, in-store support, and digital convenience make them stand out.
But if you’re looking for a fully online process with more hands-on support, be sure to explore Ready Payday Loans. We’re here to help you every step of the way.
Apply today and experience the Ready difference!