As a nationally-recognized, fully-accredited financial company, we help millions of people power on with personal loans, cash advances and other financial services.

Since 1997, we’ve helped millions of Americans with flexible and personalized financial solutions. We’ve grown from just a few stores in the Southeast United States to become one of the nation’s largest consumer lending companies, with more than 1100 locations offering a variety of financial services. Advance America is a wholly owned subsidiary of Grupo Elektra, one of the world’s leading providers of banking services, consumer finance, personal loans and specialty retailing. We comply with all federal and state laws and always present fees clearly and completely. We are also proud to be a founding member of the Community Financial Services Association, which encourages fair and fully disclosed lending practices. So you can rest easy knowing you’ve made a smart choice with Fast Payday. 

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97% of our customers rate our personal loan service as good to excellent. We are always happy to hear from our customers and remain committed to providing the industry’s best payday loans, installment loans and other personal loans.

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USApayday partners with Faith for Change to support the academic success of students in high-needs schools.USA payday supports the organization’s “We Got Your Back” back-to-school campaign to provide school supplies to more than 400 high-need children, as well as the “New Future Initiative,” which facilitates collaboration between houses of worship and community organizations to provide academic support programs to local children. These programs provide students with the materials they need to excel in the classroom and help promote academic excellence.

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USA payday continues to partner with Austin, Texas-based Frameworks CDC to provide a series of financial literacy workshops on topics such as basic budgeting, the importance of saving and consumer credit options. These free workshops offer participants an opportunity to receive one-on-one financial coaching from a Frameworks CDC representative. Workshops help foster healthy personal financial choices by providing families with the knowledge and tools they need to make sound short- and long-term financial decisions.

 

USA payday supports Mission Mississippi to find common ground to build strong relationships and communities for the betterment of all Mississippi residents, regardless of race. Through unconditional love, Mission Mississippi offers the greatest hope to attain racial healing and reconciliation.

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USA payday employees at the corporate office in Spartanburg, SC volunteered to build homes with Habitat for Humanity, a charity that builds shelter and homes for those who need them most. Internationally, Habitat has helped to build or repair over 600,000 houses and serve more than 3 million people worldwide.

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Winning Futures is an award-winning non-profit organization that empowers youth to succeed through mentoring and strategic planning. They partner with high schools in metro Detroit to facilitate innovative mentoring sessions in the school where they engage youth through trusting relationships with mentors, energizing experiences, and unforgettable life lessons. This weekly program is unique in that it has a fun, structured curriculum where mentors teach students though hands-on activities, written exercises, and group discussions. They focus on character value development, self-exploration, goal setting, job readiness skills, overcoming obstacles, and strategic planning. Over 95% of surveyed alumni continue their education past high school and they have awarded over $1.7M in scholarships to local youth. Since 1994, 39,000 students have been impacted by Winning Futures. To learn more or volunteer to be a mentor.

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Security

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Yes. With Fast Payday, you can be sure that all the information you submit for your personal loans and payday loans, title loans, etc. is sent through a secure server, and we keep your information in a secure database. One way for you to verify that our website is secure is to look for the security icon in the footer of our site that tells you that your information is secure and encrypted. SSL encryption

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When it comes to keeping your personal and financial information safe, it’s important to be proactive. Follow these tips to help protect yourself from fraud and identity theft.

• Never give personal information such as your Social Security Number or bank account information online or over the phone without verifying that you are working with a legitimate lender or bill collector. To verify, call the establishment back using a known number, such as the number listed on your statement or on the back of your credit/debit card.

• Always be suspicious of any email with urgent requests for personal financial information. If an email demands immediate action or makes upsetting or exciting false statements, it’s likely a scam.

• Verify company licenses when applying for a loan online. Legitimate lenders will display state licenses on their websites to verify that they are full-service, licensed lenders complying with state and federal laws.

• Never wire money or provide prepaid debit card information to a lender claiming you have been pre-approved for a loan and must make an initial payment as a “show of good faith”.

• Keep anti-virus, anti-malware, and spam email protection software up to date on all your computing devices.

• Maintain a record of all outstanding debt, and include lender contact information.

• Regularly check your bank, credit and debit card statements to ensure there are no unauthorized transactions.

• If someone approaches you claiming you owe them debt, demand they provide written proof of the debt as the law requires.

• If you suspect you are being scammed, report it to the local law enforcement and to the lender that the scammer claims to represent.