Advance Financial Reviews 

14,482
•
TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Considering 1,329 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the supportive staff for being extremely patient, kind, and exceptionally helpful throughout the entire application process. People find the digital forms simple to fill out, noting that getting approved and receiving funds happens very quickly. Some reviewers were not happy with payment issues, unexpected fee structures, and confusing repayment schedules. Consumers also mentioned frustrations regarding unexpected loan balances growing over time, technical difficulties with account logins, or deposit discrepancies. A few individuals felt that certain loan amounts were lower than expected or the process took longer than desired.

What people talk about most

Staff

Reviewers highlight positive aspects of staff, frequently praising personnel for being exceptionally helpful,... See more

Customer service

Consumers find customer service to be positive, highlighting professional and helpful staff who guide them... See more

Payment

Clients share ambiguous opinions on payment, with some reviewers finding the application process and... See more

Service

Reviewers mention positive feedback about service, highlighting that representatives are very nice,... See more

User experience

Customers had positive experiences with user experience, frequently highlighting that the application process... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Easy to request $ a little confused on when I will get the deposit but over all an easy process

Rated 5 out of 5 stars

Your service rep and IT team went above and beyond. They had to reset my information in order to get my loan. Unfortunately I cannot remember the reps name, but he was amazing. Extremely patient throu... See more

Rated 5 out of 5 stars

It was easy to apply. Very smooth process. No problems at all. Definitely would recommend their service

Rated 5 out of 5 stars

The customer service was amazing. They walked me through every step and got approved instantly. I highly recommend this company , they were very patient with me


Company details

  1. Money & Insurance

About Advance Financial

Written by the company

Tennessee based, Advance Financial was founded in 1996. From its humble beginnings as a 3-store chain, the company has grown to include more than 70 locations throughout Tennessee. Advance Financial is a leading fintech company offering online line of credit and installment loans across the country.

Recent recognitions include 2019 Inc. 5000 fastest-growing private companies for the eighth straight years; A+ rating by the Better Business Bureau; Nashville’s 4th fastest growing company (2019, Nashville Business Journal); Forbes Best Employers for New Graduates (2018); and, Indeed Top-Ranked Workplace for Compensation/Benefits (2019). Advance Financial is the second largest family-owned company headquartered in Nashville (2019, Nashville Business Journal).


Contact info

4.3

Excellent

TrustScore 4.5 out of 5

14K reviews

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4.3

All reviews

(14,482)

1,291 reviews in the last 12 months

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Rated 1 out of 5 stars

This was a scam

This was a scam. The verification questions the company uses to so call get you qualified were all wrong. They had nothing to do with me. The company it's self does make sure the question match the customer that applied. They need to do better research on their customers . I contacted an agent after this email and I was told they didn't pick the questions an outside source did, and that there was nothing that they could do.

October 12, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi Stacy. Thank you for letting us know about your experience. We take feedback seriously and would welcome the chance to learn more. Please contact us at www.af247.com/contact/ if you'd like to discuss your concerns.

Rated 2 out of 5 stars

UPDATE: I THOUGHT they came through quickly

Our teenage daughter has a tooth that is giving her a lot of grief. Advance Financial came through quickly for us in this case and we will now be able to get her to the dentist. I’m very grateful for the ease in which I was able to get the flex loan.
UPDATE:
I’m changing my review because my flex loan went from $250 down to $50 as I have now seen happen to many, many, MANY other people on here as of late. Here’s how this scheme works: you put in all your information, they say, “congratulations! You have been approved for $$$. It will be deposited into your checking account by the next business day.” Then after approximately an hour, your $$$ loan turns into $50. But you’re already locked in, you’ve already accepted. Had I known it would have changed from $250-$50, I wouldn’t have bothered. My daughter sincerely needs dental work done TODAY and now we are back to square one and she is still in pain. Furthermore, she is on fall break and I was so relieved believing that I was going to get this taken care of during fall break.
I came back here initially to warn people about my terrible experience, only to find out that the $50 switch-a-roo has happened to many people lately.
All that being said, I think that complaining on here that a loan company like this charges 399% interest is ridiculous. I’m sure there are a few exceptions but for the most part we are on here seeking a loan because our credit is so bad that conventional loans aren’t an option. Had we been better stewards at protecting our credit, none of us would have turned to a company like this one. Who in their right mind would pay 399% interest if they could get the same line of credit at their financial institution for 9.99% interest?! In order for me to get $250 at my credit union, my credit score needs to be 740 or HIGHER. I totally get people being upset for being told they were approved for $$$ only to discover that it had been changed to $50. However, being upset with a lender such as this because of the incredibly high interest rate is asinine. It’s our own fault for being stupid with our credit score and finances.

October 11, 2026
Advance Financial logo

Reply from Advance Financial

Hi Tonya. Your feedback is important to us, and we're grateful you took the time to share it. We're sorry to hear we didn’t meet your expectations. If you'd like to speak with our team, visit www.af247.com/contact/ and we'll be happy to help.

Rated 5 out of 5 stars

Easy Peasy

Well, for starters I'm not happy that you closed the Crossville, Tn office. It made the process take a little bit longer than I was expecting. However, all of the reps that helped get my application through quickly were wonderful! They let me know what I needed to send. The process time took a bit longer than I expected as well. Otherwise, I'm a happy customer!

October 13, 2026
Rated 1 out of 5 stars

This is a scam and you never get the…

This is a scam and you never get the balance paid off as they add interest every day do not use this company

October 13, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi Darneka. Thank you for your feedback. We’re sorry to hear we didn’t meet your expectations. If you’d like to discuss this further, please contact us at www.af247.com/contact/ so we can connect with you.

Rated 1 out of 5 stars

The worst payday advance company I’ve…

The worst payday advance company I’ve ever received money from. I don’t believe they are rated with 4 stars. My problem is the took 4 payments out in one month and said I authorized these withdrawals. $1500. In one month without me knowing. After I complained and requested a stop payment, they never sent me the requested documents, so I had to stop the payments with my bank. Take it from a retired Law Enforcement and Disable Veteran use another company.

October 13, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi James. Thank you for sharing your feedback. We value hearing from our customers, and we'd welcome the opportunity to address your concerns directly. Please visit www.af247.com/contact/ if you'd like to discuss your experience with our team.

Rated 1 out of 5 stars

Can’t get it to work when I try to add…

Can’t get it to work when I try to add my bank

October 13, 2026
Advance Financial logo

Reply from Advance Financial

Hi Charles . Your feedback is important to us, and we're grateful you took the time to share it. We're sorry to hear we didn’t meet your expectations. If you'd like to speak with our team, visit www.af247.com/contact/ and we'll be happy to help.

Rated 1 out of 5 stars

I really didn’t even want to put 1…

I really didn’t even want to put 1 star, I don’t understand how you all can try to take money out of my savings instead of my checking when you only had permission to take it out my checking every time you all take out I have the money in my account you all are just refusing to take it out the right Account this is not my fault by any means and y'all need to fix this because I’m tired of having to pay a negative balance because you can’t properly do your jobs right. This has been like the 4 th month you’ve done this to me and it needs to be handled if not I will do what I need to to handle it myself.

October 10, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi Kaitlin. Thank you for your feedback. We’re sorry to hear we didn’t meet your expectations. If you’d like to discuss this further, please contact us at www.af247.com/contact/ so we can connect with you.

Rated 1 out of 5 stars

The worst

The worst! If you pay your amount due the loan will go up. STAY AWAY! They will tell you one thing then fo another! Dishonest. I have a friend in Homeland Security. She will be looking into them!

September 16, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi Bonnie. Thank you for sharing your feedback. We value hearing from our customers, and we'd welcome the opportunity to address your concerns directly. Please visit www.af247.com/contact/ if you'd like to discuss your experience with our team.

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