Advance America operates as a licensed personal cash advance lender with its branch network serving customers in Rhode Island. The Warwick location at 400 Warwick Ave Ste. 2 has traditionally provided short-term loan products and related financial services tailored to individuals seeking immediate liquidity. As a nationwide payday loan brand, its operations typically focus on quick approval processes, cash disbursement, and repayment arrangements tied to borrowers’ payday cycles.
Historically, Advance America has operated as a consumer finance company within a regulated framework that governs small-dollar loans, credit access, and disclosure requirements. The organization emphasizes standardized application procedures, transparent terms, and the maintenance of customer records in compliance with applicable state and federal regulations. In Warwick, the storefront serves local residents seeking convenient access to financial services without nationwide advertising or endorsement channels.
Better than 77% of providers in Warwick
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 Warwick, RI 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 Warwick 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 77% of providers in Warwick.
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.