Advance Financial FLEX Loan
in Personal Lines of Credit from Advance Financial
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Advance Financial FLEX Loan

in Personal Lines of Credit from Advance Financial
SuperMoney Net Recommendation Score +24  


This product is mostly recommended by SuperMoney users with a score of +24, equating to 3.5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Community Rating Mostly recommended
Loan Amount $25 - $4,000
APR  (Fixed APR) 240% - 360%
(Verified 12/09/2023)
Number of Reviews 17

Advance Financial FLEX Loan Review

Advance Financial FLEX Loan is offered through Advance Financial, a direct lender founded in 1998 and based in Nashville, TN. Advance Financial are available in 12 states across the USA.

Advance Financial FAQ

What APRs does Advance Financial FLEX Loan offer?

Advance Financial FLEX Loan offers a fixed APR product that ranges from 240% APR up to 360% APR.

Does Advance Financial charge an origination fee?

No, they do not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does the Advance Financial charge a cash advance fee?

No, they do not charge a cash advance fee. Some lenders charge a cash advance fee every time borrowers withdraw cash from their line of credit. Typically, fees range from 0.5% to 10% of the amount withdrawn.

Does the Advance Financial FLEX Loan charge a statement balance fee?

No, this lender does not charge a statement balance fee.

Does Advance Financial FLEX Loan charge a late fee?

No, they will not charge you a late fee of up to $0 .

How much can you borrow via Advance Financial?

Upon approval and based on your credit score and credit history, your personal line of credit will be assigned a credit limit of at least $25 and as much as $4,000. .

Advance Financial FLEX Loan Fees
Cash Advance Fee N/A
Origination Fee No
Prepayment Fee? No
Late Payment Fee $0
Statement Balance Fee No

What do you need to qualify for Advance Financial FLEX Loan?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Advance Financial FLEX Loan does not have or does not disclose a minimum annual income eligibility requirement. Advance Financial FLEX Loan only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Advance Financial FLEX Loan product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Advance Financial FLEX Loan.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Proof of citizenship or residence permit

What is the estimated funding time for a personal line of credit?

Advance Financial will typically approve (or deny) a line of credit application within 48 hour s and fund personal lines of credit within 1 business day of approval.

Does Advance Financial FLEX Loan report your account activity to credit bureaus?

Yes, Advance Financial FLEX Loan reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Is Advance Financial a legit company?

Advance Financial was founded in 1998, it is a well-established company that has been in business for 25 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

How to apply for Advance Financial

  • Visit the website.
  • Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
  • Check the information is accurate and submit your application.
Advance Financial FLEX Loan Disclosure: Advance Financial offers short-term FLEX Loans as an alternative to payday, installment, and title loans. All offers rendered are contingent on verification of our approval criteria, including minimum monthly income. Bank participation is required for same day funding.
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Advance Financial

Advance Financial, a Nashville TN based fintech, aims to deliver a full suite of financial services through 88+ storefronts and a growing digital footprint, executing on fast, easy, and above and beyond customer experience. Advance Financial powers its services through customer oriented proprietary systems which quickly leverage customer insights, data, and emerging technologies to best assess its customers needs.


About Advance Financial FLEX Loan


  Available in 12 states
  • Alabama
  • Delaware
  • Idaho
  • Kansas
  • Mississippi
  • Missouri
  • North Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin

Feature Breakdown

Annual Fee $0
Late Fee Amount $0
No Late Fees
No Origination Fee
No Prepayment Fee
Credit Score Range 300 - 700
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Income
Approval Speed 48 hours
Credit Bureau Reporting Other
Customizable Payment Dates
Funding Time Range 0 - 1 day
Payment Options
  • Automatic Payments
  • Storefront
  • Credit/Debit Card
APR (Fixed APR) 240% - 360%
(Verified 12/09/2023)
APR Type Fixed APR
Loan Amount $25 - $4,000

Advance Financial FLEX Loan Community Reviews


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This product is mostly recommended by SuperMoney users with a score of +24, equating to 3.5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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