Advance America is a national consumer financial services company that provides short-term and installment loan products through a network of storefronts and online channels. The organization originated in the late 1990s as a provider of payday loans and related services, expanding over time to offer a broader range of consumer financing options. Its operations focus on accessible lending solutions designed to meet immediate cash needs, including the processing of applications, underwriting, and disbursement of funds through its branches and digital platforms. The St. Joseph location at 1401 N Belt Hwy serves as one of many regional offices that facilitate in-person customer service, loan origination, and repayment activities within the Missouri market. As a nationwide lender, Advance America operates under state-specific regulatory frameworks, emphasizing transparency in terms and conditions and safeguarding personal information throughout the lending process.
Better than 78% of providers in St Joseph
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 St Joseph, 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 St Joseph 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 5.0, which is better than 78% of providers in St Joseph.
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.