However, this financial services company is not actually a scam. Instead, scammers pretending to be from Advance America have targeted unsuspecting customers in the past. The real company is a legitimate one that specializes in payday loans, as well as title and installment loans, in certain states across the country.
Regarding this, can Advance America garnish my wages?
A payday lender can only garnish your wages if it has a court order resulting from a lawsuit against you. If you don’t repay your loan, the payday lender or a debt collector generally can sue you to collect. … Wage garnishment happens when your employer holds back a legally required portion of your wages for your debts.
Additionally, can you go to jail for not paying online loan?
You can’t be arrested for debt just because you’re behind on payments. No creditor of consumer debt — including credit cards, medical debt, a payday loan, mortgage or student loans — can force you to be arrested, jailed or put in any kind of court-ordered community service.
Can you pay Advance America Online?
Yes, you can pay your online loan with a debit card through your online account. Just login and select Make a Payment.
Good credit may not be needed
You may qualify for an Advance America loan even if you don’t have good credit. The company’s payday loans, also called cash advances, require a government ID, Social Security number, proof of income and an active checking account to apply, and may require a credit check.
Depending on your loan type and location, you may also be able to make your payments with a debit card. You can also repay your loan via phone. Simply call our customer service line at 877-505-0701. Additionally, we accept online payments that you can schedule in advance by logging on to your account portal.
Advance America can get you cash fast. Depending on your state, you can go in store for a Cash Advance or apply online. With either option, you can get money as soon as the same day*. Find your nearest location by clicking here or you can apply now.
Decision time: Instant to 24 hours
When you apply online before 10:30 AM EST, you can typically earn a decision and funds on the same day. Applications approved after 10:30am EST are normally funded by the next banking day.
If you’re applying in-store, you’ll need: Government issued photo ID, proof of open and active checking account (statement), most recent proof of income (check stub, award letter or direct deposit), and verification of SSN. Depending on state, a check may be required.
Payday loans from Advance America are meant to be short-term bridge loans to tide you over to your next paycheck. … If you can’t repay the loan, Advance America may offer you the ability to roll your payday loan over into a new loan — but be careful, since this is how people become trapped into a cycle of debt.
Depending on your state, you can borrow up to $2,500 for a Line of Credit. Click here to find out if a Line of Credit is available in your state. If so, check out our Rates and Terms section to view fee examples.
- Banks. Taking out a personal loan from a bank can seem like an attractive option. …
- Credit unions. A personal loan from a credit union might be a better option than a personal loan from a bank. …
- Online lenders. …
- Payday lenders. …
- Pawn shops. …
- Cash advance from a credit card. …
- Family and friends. …
- 401(k) retirement account.