Advance America

Advance America is USA's no.1 payday loan company, with over 2,400 locations to choose from nationwide.

The company has been in business since 1997, expanding from a few initial outlets in Southeast United States...to one of the nation's most significant financial services companies it is today.

Grupo Elektra, a Latin American banking, consumer finance, and specialty retailing group, owns 100% of the company.

This backing has increased the scope and breadth that the company has been able to offer, resulting in 97% customer satisfaction rate (according to the company's marketing material).

As a major consumer finance company, the firm was a founding member of the Community Financial Services Association (CFSA).

CFSA, meanwhile, is another great resource of information on the payday loan industry for users of these products.

By reading the CFSA "best practices" guidelines, you can also get a feel on how the association's member payday loan lenders operate.

Loans and Other Financial Services

Although the focus of the company is on payday lending, you have a wide variety of other financial services available from them.

These services include...

Auto equity loans
Installment loans
Gold-buying
MoneyGram services
Tax preparation
Visa prepaid cards with Check-to-Card

As for the payday advance loans, the approval process does not include consideration of the customer's FICO score.

Instead, the company uses custom scoring model developed by Experian (which evaluates your credit eligibility).

To find out closest location to you, or find out the hours of operation for a specific outlet, you should use the "Store Finder" tool at the firm's official website, AdvanceAmerica.net.

› Advance America


Cash advances should be used for short-term financial needs only, not as a long-term financial solution.

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