Find a Store Login Apply Advance America LOANS RATES & TERMS SERVICES MONEY TIPS ABOUT US Home Loans Online Loans Online Loans We’re sorry. No loans are available in your state. Use My Location Enter your state Online Loan Overview How Online Loans Work Online Loan Rates & Terms What You Need To Apply For A Online Loan Get money online quickly with a click An Online Loan from Advance America gives you the money you need with the convenience you expect. Whether you are at home or on the go, you can apply for loans online 24/7 right from your laptop, tablet or mobile device. Plus, with an instant approval decision, you can get the money you need fast. Already have an account? Login. The Advance America advantage 23+ Years A 5-star customer experience has made us a leading provider of consumer financial services for millions of Americans since 1997 Read Customer Reviews 134+ million loans issued Our knowledgeable staff and personalized money solutions make getting cash as easy as can be. 1,200+ stores & online Whether down the street or right from your phone, the money you need is always within reach. See All Locations Apply Now How do Online Loans work? To apply for an online cash advance, online payday loan, online installment loan, or online line of credit while on the go, follow these simple steps: 1 Start your Online Loan application now or apply in store. 2 Get an approval decision in minutes for your Online Loan application. 3 Receive money the same day.* Apply Online *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 business day. Online Loan questions How do Online Loans by Advance America work? Online Loans are available in the form of a Payday Loan (also known as a cash advance), an Installment Loan, and a Line of Credit. Online Payday Loans are a short term loan that is due on your pay date and based on your income. If you need more money and would like the flexibility of paying it off over time, consider an online Installment Loan. We also offer an online Line of Credit, which allows you to apply only once and the line remains open. You can then withdraw money from the line as long as there are funds available. Online Loans allow you to 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). How much can I borrow for an Online Loan? View More Questions Online Loans rates & terms Advance America offers a variety of Online Loan types from payday loans to cash advances to installment loans to lines of credit. Rates and terms for each type of Online Loans are based on state regulations. Finance charges for Online Loans vary by state and by length of loan term. To get examples of the Online Loan rates and terms in your state, click Learn More below. Learn More What do you need to apply for an Online Loan? To apply, you'll need the following items: Government issued ID Source of income Checking account Social Security Number Learn more about what is needed in your state. Learn More Proudly serving our customers 100,000+ reviews on Google Excellent 58,214 reviews on Advance America Online Loan customer reviews Quick,fast and easy — Online Loan customer, 04/10/2021 I have been completely satisfied with the service of Advance America. The site is easy to use and seems to be backed by pleasant and knowledgeable… — Online Loan customer, 04/05/2021 I love it. It really comes in handy when I need it. — Online Loan customer, 04/01/2021 Read More Reviews Apply Now Online Loan payment questions How do I repay my Online Loan? On your loan payment due date, an electronic request will be sent your bank for the specified amount of loan fees and/or principal that is outlined in your loan agreement. Usually, your payment(s) will be withdrawn from your checking account on your loan’s due date via ACH (Automated Clearing House), or other electronic repayment methods. Keep in mind that there may be other repayment options available, depending on your loan type. What if I cannot pay or will be late repaying my Online Loan? View More Questions Apply Now More about Online Loans Get Easy Loans Online Why Are Direct Lenders a Better Option for Online Loans? What Are Online Payday Loans? What Are Online Installment Loans? What Is An Online Line of Credit? How Can I Apply For An Online Loan? How Do I Use Online Loans as Emergency Loans? How to Get an Online Loan If You Have Poor Credit Can I Get an Online Loan with No Credit Check? What Are Examples of Online Loans With Monthly Payments? Find a store nearby No matter where you are, the money you need is never far. Find a Store Let’s keep in touch Sign up for news, updates and exclusive offers from Advance America. 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Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Licensed by the Delaware State Bank Commissioner to engage in business in Delaware. Delaware Licensed Lender License #s: 6996; 4472; 9644; 4474; 8061; 6971; 7092; 8052; 6076; 7400; 4473; 7556; 010431 and 012075. Rhode Island Licensed Check Casher. In Ohio, loans offered by Advance America Cash Advance Centers of Ohio, Inc., Lic.# ST. 760166.000, main office located at 135 N. Church St., Spartanburg, SC 29306. In Texas, loans arranged with an unaffiliated third-party lender by ACSO of Texas, LP. d/b/a Advance America, a registered credit services organization (“CSO”), and subject to lender's approval. *Advance America makes title loan referrals to LoanCenter at no cost to you and does not qualify you for a loan. Loans made by First Electronic Bank, member FDIC, or Wilshire Commercial Capital, LLC. Not available in all states. Loans subject to lender’s approval. In California, loans are made pursuant to a Department of Business Oversight California Finance Lenders License, with a minimum loan amount of $2,510. Short-term loans are not intended to be long-term financial solutions. Customers with credit difficulties should seek credit counseling. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive.