Financial Solutions

To qualify for a loan with Advance America Solutions, you must:

• Be at least 18 years old
• Have a valid government-issued ID
• Have an active checking account
• Provide proof of income (minimum $1,000/month)
• Have a working phone number and email address

Specific loan products may have additional requirements.

Our online application takes just 5-10 minutes to complete. After submission:

• You'll typically receive a decision within 1-2 business hours
• Once approved, funds are usually deposited within 24 hours
• More complex loans (like mortgages) may take 2-3 business days

Loan amounts vary by product and your qualifications:

• Personal loans: $1,000 - $50,000
• Auto loans: $5,000 - $100,000
• Home loans: $50,000 - $1,000,000
• Small business loans: $10,000 - $250,000

The actual amount you qualify for depends on factors like your credit score, income, and debt-to-income ratio.

Yes, we offer loan options for people with less-than-perfect credit. While interest rates may be higher for borrowers with lower credit scores, we work with a wide range of credit profiles and can often find solutions that traditional banks can't offer.

Factors we consider beyond credit score include:

• Current income and employment stability
• Debt-to-income ratio
• Payment history on recent loans
• Collateral (for secured loans)