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Advance America in Detroit, MI

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Detroit, MI's Advance America at 18345 Plymouth Rd offers quick payday and title loans with convenient hours.

Data compiled from public sources

Advance America Review

Advance America is located at 18345 Plymouth Rd in Detroit, MI, operating as a standalone storefront. This Detroit location serves residents with payday and title loan services throughout the week. Hours of operation are Monday through Thursday 10AM–6PM, Friday 9AM–6PM, and Saturday 10AM–2PM. The store is closed on Sundays.

At this Detroit-area Advance America branch, you can apply for payday loans, title loans, and other short-term lending options. The team at 18345 Plymouth Rd in Detroit is available to discuss your borrowing needs and walk through the application process. Contact the location directly at (313) 270-2966 to learn about current rates, terms, and eligibility requirements.

If you are researching short-term cash access near 18345 Plymouth Rd in Detroit, MI, this Advance America location accepts walk-ins during posted hours. Bring a valid ID, proof of income, and evidence of an active bank account to expedite your application. Advance America specializes in serving Detroit residents who need fast, accessible lending solutions outside traditional banking channels.

Services & Features

Autopay enrollment for loan repayments
Customer account portal (online.advanceamerica.net)
In-store loan applications (800+ locations)
Installment loans (3–12 month fixed repayment terms)
Loan status tracking and account management
Money order services (in-store locations)
No-credit-check loan eligibility evaluation
Online loan applications (all eligible states)
Payday loans ($100–$2,000, 7–31 day terms)
Revolving lines of credit
Same-day and next-business-day funding
Vehicle title loans (via LoanCenter partnership)

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • 800+ physical store locations in 27 states — one of the largest payday lender footprints in the US
  • Dual-channel access: fully online applications plus in-person service at storefronts
  • listed funding timing available for approved applicants
  • Accepts borrowers with poor or no credit history — no traditional credit check
  • Founding member of CFSA, the industry's primary best-practices association since 1997
  • BBB A+ rating with accreditation since 2024
  • 29 years of continuous operation since September 1997 — substantial institutional stability

Cons

  • Payday loan APRs range from roughly 350% to 700% — among the most expensive consumer credit products available
  • BBB consumer review score is only 1.7/5, with 302 complaints filed in the past three years despite the A+ letter grade
  • Title loans require pledging your vehicle as collateral, with risk of repossession upon default
  • Product availability and loan limits vary significantly by state — not all products offered everywhere
  • Ultimately owned by Grupo Elektra, a Mexican conglomerate, with profits flowing to foreign shareholders

Compare Personal Loan Options

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State Consumer Finance Context

This is state-level context for Emergency Cash consumers in Detroit, MI. It does not confirm that Advance America or this specific location is licensed.

State regulator

Michigan Department of Insurance and Financial Services

Payday loan rules in Michigan

Status: Permitted

Rate context: Tiered fee structure: 15% on first $100, 14% on $100-$200, 13% on $200-$300, 12% on $300-$400, 11% on $400-$500, 10% on $500-$600

Amount context: $600

Term context: 31 days

Payday loans (deferred presentment) are legal and capped at $600. Maximum loan term is 31 days. Borrowers are limited to one payday loan at a time. Rollovers are prohibited. The tiered fee structure is regulated under MCL 487.2152. Lenders must be licensed by DIFS.

Installment loan rules in Michigan

Status: Permitted

Rate context: 25% APR cap applies to consumer installment loans under MCL 445.851 et seq.

Installment loans made by licensed consumer lenders are subject to the 25% APR usury cap. Terms, payment schedules, and financing charges must comply with the Michigan Consumer Loan Act and rules promulgated by DIFS.

Key state rules to check

  • Payday loans (deferred presentment) capped at $600 with tiered fees: 15% first $100, 14% on $100-$200, 13% on $200-$300, etc.
  • Maximum loan term is 31 days; rollovers prohibited.
  • Borrowers limited to one payday loan at a time.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

Does Advance America respond to consumer complaints?

According to CFPB data (2023-present), Advance America has a 99.8% response rate to consumer complaints, with 97.5% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.

What services does Advance America offer?

Advance America offers 12 services including Payday loans ($100–$2,000, 7–31 day terms), Installment loans (3–12 month fixed repayment terms), Revolving lines of credit, Vehicle title loans (via LoanCenter partnership), Online loan applications (all eligible states), and 7 more.

What profile signals are listed for Advance America?

Advance America has profile signals associated with Working adults facing a genuine short-term cash emergency before their next paycheck, Consumers with poor or no credit history who do not qualify for bank loans or credit union products, Borrowers who prefer or require in-person service at a physical location rather than a fully online lender, People needing $100–$2,000 quickly who have already exhausted lower-cost borrowing options.

What are the strengths and weaknesses of Advance America?

Key strengths: 800+ physical store locations in 27 states — one of the largest payday lender footprints in the US; Dual-channel access: fully online applications plus in-person service at storefronts; listed funding timing available for approved applicants. Areas to consider: Payday loan APRs range from roughly 350% to 700% — among the most expensive consumer credit products available; BBB consumer review score is only 1.7/5, with 302 complaints filed in the past three years despite the A+ letter grade.

How does Advance America compare to similar companies?

In the Emergency Cash category, comparable providers include Ace Check Cashing, Advance America, Advance America. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Is Advance America accredited by the Better Business Bureau?

Advance America holds a A+ rating with the Better Business Bureau and is BBB-accredited.

Quick Facts

Founded
1997
Headquarters
Greenville, SC
Employees
1,200+
BBB Rating
A+
BBB Accredited
Yes
Certifications
CFSA Member State-licensed lender in all operating states
Visit Advance America

CreditDoc Profile Note

Research Note on Advance America

Advance America is best suited for consumers with poor or no credit who need a small amount of cash urgently and have no viable lower-cost alternatives. The critical caveat is cost: payday loan APRs of 350%–700% make this one of the most expensive ways to borrow money, and rolling over loans can trap borrowers in escalating repeat-borrowing cycles. Anyone who qualifies for a credit union payday alternative loan (PAL), bank personal loan, or CDFI product should exhaust those options first.

CFPB Transparency Report

Public data from the Consumer Financial Protection Bureau

Response Rate*
99.8%
On-Time Response**
97.5%

* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)

** Percentage of responses delivered within the CFPB's 15-day window

Source: consumerfinance.gov | Last checked 2026-03-24

Profile Signals

  • Working adults facing a genuine short-term cash emergency before their next paycheck
  • Consumers with poor or no credit history who do not qualify for bank loans or credit union products
  • Borrowers who prefer or require in-person service at a physical location rather than a fully online lender
  • People needing $100–$2,000 quickly who have already exhausted lower-cost borrowing options
Updated 2026-05-08

Similar Companies

Ace Check Cashing logo

Ace Check Cashing

ACE Cash Express offers payday loans, title loans, check cashing, and installment loans at 750+ locations nationwide since 1968, with provider-stated funding timing available.

BBB: NR

Profile signals: Consumers researching short-term cash access for emergencies with no access to traditional bank loans, Those who prefer in-person service and relationship-based lending over fully automated online loans

Advance America logo

Advance America

Highland Park, MI - Advance America at 14130 Woodward Ave provides payday and title-loan profile details to local residents.

BBB: A+

Profile signals: Consumers with poor or no credit who need $100–$2,000 in cash within hours and have no lower-cost alternatives, Underbanked individuals without access to traditional bank loans, credit cards, or credit union products

Advance America logo

Advance America

Redford Township, MI Advance America at Eight Mile W offers payday and title loans with same-day processing.

BBB: A+

Profile signals: Consumers facing a financial emergency who need $100–$1,800 in cash within hours, Borrowers with poor or limited credit history who cannot qualify for a bank loan or credit card

Compare Your Needs With Advance America

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Quick Summary

  • Advance America is listed as a Emergency Cash provider in Detroit, MI on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

Financial Terms Explained (10 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

Interest & Rates

APR — Annual Percentage Rate

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.

Why it matters

Lenders are required to 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 lower-cost 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.

Compound 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.

Why it matters

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.

MAPR — Military Annual Percentage Rate

A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.

Why it matters

The Military Lending Act protects active-duty servicemembers and their families from high-cost 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.

Usury Rate — Usury Rate (Interest Rate Cap)

The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.

Why it matters

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.

How Loans Work

Collateral — Loan Collateral

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.

Why it matters

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.

Fees & Costs

Late Fee — Late Payment Fee

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.

Why it matters

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.

NSF Fee — Non-Sufficient Funds Fee

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.'

Why it matters

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.

Legal Terms

Usury — Usury (Illegal Interest)

The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.

Why it matters

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 may only be required to repay the principal — no interest or fees.

Credit Cards

Cash Advance — Credit Card Cash Advance

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.

Why it matters

Cash advances are a repeat-borrowing risk: 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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