Welcome to the website of Advance Financial (“Company”, “we” or “us”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of our website: www.af247.com (the “Website”) including any content, functionality and services offered on or through, whether as a guest or a registered user.


All cash advances subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a cash advance or for the maximum cash advance amount. Terms and conditions apply. Cash advances should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling. ACE Cash Express, Inc. is licensed by the Department of Business Oversight pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Certain cash advances in California are made or arranged pursuant to Department of Business Oversight California Financing Law. Cash advances in Minnesota made by ACE Minnesota Corp. Cash advances in Ohio arranged by FSH Credit Services LLC d/b/a ACE Cash Express, CS.900100.000, and made by, and subject to the approval of, an unaffiliated third party lender. Cash advances in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc. is licensed by the Virginia State Corporation Commission, PL-115.

You can use a cash loan to pay bills on time, get the things you and your family need, or cover unexpected expenses like car repairs or medical emergencies. Our simple online process makes it easy to get the cash you need directly from the privacy of your own home. Don't let waiting for your next paycheck make life more stressful than it has to be. You can get a cash loan today and have it in your checking account as soon as tomorrow.


All lenders are legitimate in one way or another, the downfall here is the interest rates. You need to be able to understand what APR is, the repayment period and the cost of rolling over the loan. When you are applying look for the small print on the about page or in the footer of the website. By law, these conditions are meant to be displayed for payday loans.
APR Disclosure. Personal loan APRs vary by lender and may range from 4.99% to 450%. Cash advance loan APRs may start at 200% and reach 1386%. Installment loan APRs are typically 6.63-225%. Some states have no law limiting the APR on loans, thus the rate may be higher. The lenders are obligated to provide the APR and loan terms to the customers prior to executing a loan agreement.
If you already have existing credit card debt and you’re in need of emergency funds, but you have average to good credit, consider the Discover it® Balance Transfer card. The card offers an extended, 18-month window for you to transfer and pay off existing debt. And cardholders even enjoy 0% intro APR period for their first six months on purchases. (After both introductory periods end, ongoing APR is 13.99% – 24.99% variable.)
Many lenders offer online loans in addition to having retail locations. An online lender has some advantages over a retail location. For example, you can apply from your home, and online loans are more widely available. The drawback is you have to wait one to two business days for your funds to deposit. If you get a loan from a physical location, you get your money immediately.
California Residents: Flurish Inc. dba LendUp is licensed by the Department of Business Oversight, pursuant to the California Deferred Deposit Transaction Law, license #1004393, and the California Financing Law, license #6054610. LendUp loans made under the authority of its CFL license are made pursuant to the California Financing Law. LendUp credit cards are not offered under any license regulated by the California Department of Business Oversight.
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