Through a payday advance, we’ll give you cash for your personal check and hold it until your next payday, with no credit checks. You can use that money to meet emergency needs or pay unexpected bills.

Frequently asked questions about payday advances:

What must I have to get a payday advance?
You will need a photo I.D., checkbook and verifiable income. No credit check required.

How much can I receive on a payday advance?
You can receive a payday advance in increments of $25 starting at $25. Tennessee code imposes a $500 limit on outstanding advances.

How much does it cost?
Our fees vary by the amount of the advance. For each advance, the fee is 15% of the face amount of the check. Fees are clearly posted in our locations, and our associates will be happy to answer any questions you have. For a list of our fees click here.

How long do I have before I am required to pay back my payday advance?
We hold your check until your next scheduled payday.

If I currently have a payday advance through another financial institution, can I get another one from Advance Financial?
Yes. Tennessee code allows you to have two check advances outstanding, totaling up to $500.

About Payday Advances

Advance Financial is a member of the Community Financial Services Association of America (CFSA), which has created self-imposed standards for payday advance services. The CFSA’s Best Practices address concerns voiced by community leaders, elected officials and consumer advocates and help consumers avoid the cycle-of-debt.

For more information the CFSA Best Practices, click here.