Advance America offers same-day payday, installment, and title loans up to $1,000 ($25,000 for auto title loans) with quick funding through 2,000+ nationwide locations.
Editorially reviewed by Harvey Brooks
Advance America is a nationally recognized lender specializing in short-term emergency cash solutions for consumers facing immediate financial needs. Founded as a major player in the subprime lending market, the company operates over 2,000 physical store locations nationwide, including this Jacksonville, FL location, and provides online lending options for accessibility.
The company offers three primary loan products: Payday Loans ($100–$500, 2–4 week terms), Installment Loans ($100–$1,000 with multiple repayment options), and Title Loans ($2,000–$25,000 through partnership with LoanCenter, using vehicle equity as collateral). All products feature same-day or next-day funding availability. The Jacksonville location operates extended hours (10am–6pm weekdays, 9am–6pm Friday, 9am–4pm Saturday) with bilingual staff and accepts customers who can provide government-issued ID, proof of income, a checking account, and SSN/ITIN.
Advance America differentiates itself through its extensive physical footprint, allowing in-person applications and immediate funding, combined with online application options for convenience. The company emphasizes customer service, with their Jacksonville location holding a 4.9/5 star rating across 125,419+ reviews. They also offer ancillary services like Western Union money transfer at physical locations, streamlining customer transactions.
However, consumers should approach these products with caution. Payday and title loans typically carry high APRs (often 400%+ annualized), making them expensive emergency solutions best reserved for true short-term crises. The company's business model relies on high-cost credit, and while convenient, these loans can trap borrowers in debt cycles if used repeatedly. This is a legitimate lender with strong operational presence, but the products themselves are predatory by design and should not be considered long-term financial solutions.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Advance America is a registered company headquartered in 2093 Caton St, New Orleans, LA 70122. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Advance America is best for consumers facing genuine short-term cash emergencies ($100–$1,000) who can repay within weeks without cyclical reliance, with physical store accessibility prioritized over online-only lenders. Critical caveat: these products charge 400%+ APR and are structurally designed to encourage repeat borrowing—use only as absolute last resort before payday, and avoid title loans unless vehicle loss is acceptable outcome.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-26
ACE Cash Express offers payday loans, installment loans, title loans, check cashing, prepaid cards, and tax prep for unbanked consumers needing fast cash.
Best for: Unbanked or underbanked consumers with no access to traditional bank accounts or credit cards, People needing same-day or next-day cash for paycheck gaps or emergency expenses under $2,000
ACE Cash Express operates a network of physical locations offering check cashing, money transfers, bill payments, and various loan products including installment and title loans.
Best for: Unbanked or underbanked consumers needing basic financial services like check cashing and bill payments, Consumers with vehicle collateral seeking title loans or installment financing
MoneyGram is a money transfer service with 36+ locations across New Orleans, enabling customers to send and receive funds online or through physical agent locations.
Best for: Unbanked and underbanked individuals needing reliable money transfer without bank accounts, Customers seeking evening and weekend money transfer access beyond traditional banking hours
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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