Advance Financial Reviews 

14,432
•
TrustScore 4.5 out of 5

4.3

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Considering 1,385 reviews, reviewers overwhelmingly had a great experience with this company, showing smooth and efficient interactions. Customers frequently praise the supportive staff and helpful representatives who guide them through every single step of the application with remarkable patience and professionalism. Many people note that the digital platform is extremely fast, highly responsive, and very easy to navigate smoothly from start to finish. Some reviewers were not happy with high interest rates, unexpected payment amounts, and unclear financial terms after taking out loans. Consumers also mentioned facing occasional difficulties regarding deposit timing, account access issues, and banking information errors during the setup phase.

What people talk about most

Staff

Users describe positive interactions with staff, frequently highlighting the exceptional patience,... See more

Customer service

Customers had positive experiences with customer service, frequently praising representatives for being... See more

Payment

Reviewers highlight ambiguous aspects of payment, as many consumers praise the fast approval process and... See more

Service

Reviewers express great satisfaction regarding the service, highlighting how quick, fast, and easy the online... See more

User experience

Consumers find user experience to be positive, highlighting an incredibly smooth online application that is... 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

The online application was SUPER DUPER EASY & consumer friendly! The process was quick, and although I didn't get the amount I requested, they took a chance for me and gave me a decent amount because... See more

Rated 5 out of 5 stars

Rhonda was extremely nice and so helpful thanks for having patience and helping me fill my application out


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

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.3

All reviews

(14,432)

1,414 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

Have been with this company for years

Have been with this company for years. I will not borrow from this company ever again!!! I have made all payments on time and never got behind. I paid them off this month. 4 reasons I will not borrow again: Do not not borrow if your trying to build your credit! I’m pissed once I pulled my credit and saw they don’t report.

1. The flex payments are entirely too high
2. They do not report to the credit bureau!!
3. This company does not help your credit
4. Interest Rate is extremely high ( predatory)

September 24, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi Michael. 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 1 out of 5 stars

Got a loan they applied auto pay some…

Got a loan they applied auto pay some how I have a past due balance instead of account being paid off and closed been collecting payments from check for over a year, yet the loan has grown even more. Emailed them no solution.

September 24, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi Mike. 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 2 out of 5 stars

⭐️ 1 Star

⭐️ 1 Star

Extremely disappointing experience. The application itself was quick and easy, but the system kept kicking me out during the process. Before I knew it, everything had been finalized, and I was never given the opportunity to enter my debit card information so the funds could be available to me the same day.

I specifically needed the funds today and explained that to them. Their response? There was nothing they could do and I would have to wait 2–5 business days. No real assistance, no alternative solution, and no effort to help resolve the issue.

I was even told that once I received the money, I could simply send it back if I no longer needed it. That completely missed the point. I needed access to the funds today, not days from now.

The process may have been quick, but the customer service and lack of assistance were extremely disappointing. When a customer explains that there is an urgent need for the funds, being told essentially “there’s nothing we can do” is not helpful customer service.

I would not recommend this experience to anyone who needs timely access to their funds.

September 23, 2026
Advance Financial logo

Reply from Advance Financial

Hi Candace. 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 5 out of 5 stars

Extremely helpful personnel

Extremely helpful personnel, although the payout was anlittle low. Although that was probably because of me more than anything though. Very good company.

September 23, 2026
Rated 1 out of 5 stars
Advance Financial logo

Reply from Advance Financial

Hi Fredrick. 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 5 out of 5 stars

They were great at helping me like…

They were great at helping me like always you guys have always been so polite and nice and very professional and I appreciate that Service was wonderful and the people are very wonderful at work there too

September 22, 2026
Rated 1 out of 5 stars

Rip off company

I think you’re lying when people write good reviews about your company. I think you’re a big huge rip off and you should be reported to the Better Business Bureau for the ungodly amount of interest you charge if I had read through the lines I would’ve never in 1 million years taking out a loan or whatever it is with your company. Once I paid off, that’s it I will never use you again.

September 21, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi Dawn. 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 2 out of 5 stars

Website is impossible to add or change…

Website is impossible to add or change information. Exorbitant interest and fees. At this point I'll be dead before I get this paid off

September 20, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi Bonnie. 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 5 out of 5 stars

Great Experience …

I had a great experience using Advance Financial’s online loan application. The entire process was incredibly smooth from start to finish. The website is easy to navigate, and filling out the application only took a few minutes. The approval process was fast, and the funds were deposited into my account exactly when they said they would be. If you need a reliable and quick financial solution without endless paperwork, I highly recommend their online service!

September 19, 2026

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look