Advance America is a consumer financial services provider offering short-term lending solutions and related financial services. The organization operates through a network of storefront locations and supports customers with in-person services supported by online access, focusing on convenient access to funds and related financial products. Its business model centers on providing small-dollar loans and payment solutions, with a history rooted in expanding access to consumer credit across multiple states. At its core, the organization emphasizes quick service delivery, standardized application processes, and the use of collateral-agnostic lending where applicable to facilitate rapid funding. The operational scope includes retail storefronts and digital channels designed to reach diverse customers, along with compliance frameworks to align with regulatory requirements governing small-dollar lending. The organization’s lineage reflects a strategy of growth through a franchise-like network of physical locations and centralized support systems intended to streamline customer experiences while maintaining consistent product offerings.
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, Check cashing service, Money transfer service.