Georgia-based lender offering small personal loans up to $2,000 with same-day approval and pickup. Licensed by Georgia Department of Banking & Finance with 11 Atlanta-area locations.
Editorially reviewed by Harvey Brooks
A+ Financial Services, Inc. is a Georgia-based financial services company operating under multiple subsidiary names including A+ Loans, Inc., A+ Auto Insurance, Inc., and A+ Tax Services. The company is licensed by the Georgia Department of Banking & Finance (NMLS #1228554 and #2055524) and operates under the Georgia Installment Loan Act with 11 physical locations throughout the Atlanta metropolitan area.
The company's core offering is small personal loans ranging from $100 to $2,000, with a stated emphasis on speed and accessibility. They advertise same-day approvals for applications submitted before 2 PM and same-day cash pickup at physical locations. Loan repayment is structured as typically four installment payments every two weeks. Beyond personal loans, A+ Financial offers business funding solutions, auto insurance through A+ Insurance (also operating as Summitt Insurance), tax preparation and taxpayer advance services, factoring for businesses, bookkeeping services, and prepaid debit cards.
A+ Financial differentiates itself through multi-location accessibility (11 Atlanta locations for cash pickup), flexible payment scheduling options, and availability seven days a week for online applications. They emphasize quick turnaround times and claim to represent multiple lending partners to offer competitive pricing. The company also provides integrated financial services beyond lending, including insurance and tax services under the same corporate umbrella.
The company operates in a high-cost lending category typical of small installment lenders. While specific APR information is not disclosed on the website, loans structured as four installment payments over eight weeks for amounts up to $2,000 typically carry substantial financing costs. The requirement for recent bank statements and check stubs may exclude some consumers, and the $2,000 maximum loan amount limits utility for larger emergency expenses or consolidation needs.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. A+ Financial Services, Inc. #01 is a registered company headquartered in Atlanta, GA. They hold a NR rating with the Better Business Bureau.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
A+ Financial Services is best for Atlanta-area residents with valid bank accounts and recent employment history who need $100-$2,000 quickly and can visit a physical location. The main caveat is that the $2,000 maximum loan amount and likely high APR (typical for 8-week small installment loans) make this suitable only for genuine emergencies, not debt consolidation or larger expenses, and the company's limited geographic footprint restricts access to Atlanta metro residents only.
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Texas-based short-term lender offering signature loans from $30–$1,800 with no collateral required, targeting credit-challenged borrowers across six locations.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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