Advance Financial Reviews 

14,451
•
TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Looking at 1,363 reviews, reviewers overwhelmingly had a great experience with this company. Many people enthusiastically praise the staff and representatives for being exceptionally patient, polite, and supportive throughout the entire online loan application process. Consumers also consistently highlight that the overall service and digital user experience is remarkably fast, highly efficient, and very straightforward to complete. However, some customers also noted frustrating issues regarding confusing repayment terms, unexpected automatic deductions, and continuous loan balance increases over time. A few reviewers additionally experienced annoying delays with funding deposits or serious difficulties properly connecting and verifying their personal bank accounts.

What people talk about most

Staff

Reviewers highlight positive aspects of staff, expressing deep appreciation for the exceptional patience,... See more

Customer service

Reviewers mention positive feedback about customer service, noting that support agents are professional,... See more

Payment

Customers consistently note ambiguous experiences with payment, as some reviewers highlight easy payment... See more

User experience

Users describe positive interactions with user experience, noting that the online application is consumer... See more

Service

Clients share satisfaction regarding the service, frequently highlighting the quick and easy online 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

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

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

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


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

(14,451)

1,259 reviews in the last 12 months

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Rated 1 out of 5 stars

They committed theft by deception and…

They committed theft by deception and fraud

October 2, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi Richard. 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

Absolutely the worst company EVER!

Absolutely the worst company EVER!! they will screw you up the ass . charging 500$ a month to pay a 1000$ loan. you will end up paying back $5000. Absolutely avoid this company!!! they are taking 2 payments every week from me.

September 28, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi Natasha. 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

I don't remember

Was told I get $550 then magically $50

September 30, 2026
Advance Financial logo

Reply from Advance Financial

Hi Thomas. 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

Approved then denied when money was supposed to be transferred

First I was pre-approved for a certain amount, entered in all my info. All my bank info. That amount changed. About 400 less. I accepted it however. Then I was told the money was transferred to my bank account. Which it wasn’t. After multiple phone calls trying to figure out what was going on. I got an answer. At some point during all this. I was denied! Was this after I gave my bank info and you guys were supposed to deposit the funds in to my account. Joke of a place! Do not waste your time with these people

September 29, 2026
Advance Financial logo

Reply from Advance Financial

Hi Vincent. 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

Stay away from Advance Financial 24/7 /…

Stay away from Advance Financial 24/7 / CCFLOW. I borrowed $500. After four months of ~$50 payments I still owed almost the same principal. Nearly every dollar went to fees and interest instead of the balance. Minimum payments are built to keep you on the hook, not to pay the loan off. If you need cash, look anywhere else first. This is a debt trap, not a line of credit.

September 28, 2026
Unprompted review
Advance Financial logo

Reply from Advance Financial

Hi David. 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.

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