Advance America is a consumer finance company that operates as a payday loan and short-term cash advance provider, aiming to offer rapid access to funds for urgent financial needs. The organization has established a network of storefront locations that serve local communities, often positioned in urban and semi-urban areas to provide convenient in-person service alongside online options. Its model centers on fast, streamlined applications, quick approvals, and funding processes designed to address immediate liquidity requirements for customers who may face gaps between pay periods or unexpected expenses. Historically, the company has evolved within the broader payday lending sector, adapting its product mix and regulatory posture in response to state laws and market conditions, while maintaining a focus on straightforward, document-light transactions. Primary functions include customer intake, loan underwriting, funding, and repayment management, with services positioned to complement other financial tools used for budgeting and short-term planning. Operational scope spans multiple states with a concentration of brick-and-mortar locations and an emphasis on accessibility for local residents.
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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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.