Advance America is a consumer financial services company that operates under a national network of payday loan and short-term loan stores, providing accessible financial solutions to individuals seeking immediate liquidity. The organization traces its roots to broader consumer finance operations in the United States, establishing a presence through numerous storefront locations that offer a range of small-dollar loan products and related services. Its business model centers on short-term credit solutions, often complemented by online access to services, enabling customers to apply, obtain approval, and receive funding with minimal delay. The company historically emphasizes rapid turnaround and straightforward borrowing processes, designed to address anticipated cash flow gaps and emergency expenses. Operational scope includes a nationwide footprint with locations across multiple states, supported by a central brand and customer service infrastructure to facilitate loan approvals, disbursements, and compliance with applicable regulatory requirements.
Better than 33% of providers in O'Fallon
In addition to the primary service, Advance America also offers:
Links and information about Advance America:
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Advance America is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Advance America is listed as a financial service provider in O'Fallon, MO and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Advance America to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Advance America, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Advance America with other providers in O'Fallon and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Advance America has a rating of 4.9, which is better than 33% of providers in O'Fallon.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Advance America requests. It is always best to call ahead using the phone number on this page so Advance America can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Advance America also offers: Loan agency, Financial institution, Money order service.