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Part of the Advance America chain · locations
Advance America in Greenfield, IN
Greenfield, IN Advance America at 148 E New Rd offers payday loans and title loans Mon–Sat.
Data compiled from public sources · Rating from CreditDoc methodology
Advance America Review
Advance America's Greenfield, IN branch is located at 148 E New Rd, a convenient standalone storefront serving the Greenfield community. The location is open Monday through Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM; the store is closed on Sundays. This accessible location makes it easy for residents to access emergency cash services during business hours.
This Greenfield location offers payday loans, title loans, and check-cashing services to help locals bridge short-term cash gaps. For questions about loan options and terms, call the branch directly at 317-467-9850. The team is equipped to process applications quickly and discuss your specific borrowing needs.
If you live or work in the Greenfield, IN area and need emergency cash, Advance America provides a fast alternative to traditional banking. Bring a valid government-issued ID, proof of income, and a blank check to streamline your application. Visit the 148 E New Rd location during business hours to speak with a loan specialist.
Services & Features
Bilingual customer service (Spanish/English)
In-store loan applications with trained staff assistance
Installment Loans ($100-$1,000, multiple payment periods, online or in-store)
Online loan applications and funding
Payday Loans ($100-$500, 2-4 week terms, online or in-store)
Phone pre-qualification consultations
Same-day funding for qualified applicants
Title Loans ($2,000-$25,000, vehicle collateral, online or in-store)
Western Union money transfer services
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day funding available for personal loans up to $1,000
- Flexible product range from short-term payday loans to installment loans with longer repayment terms
- High customer ratings (4.9/5 stars from 125,456 reviews) indicating consistent service quality
- Extended store hours including Saturday service (9 AM-4 PM) and bilingual support (Spanish)
- Title loans up to $25,000 for consumers with vehicle equity, offered online or in-store
- Multiple application channels (online, in-store, phone pre-qualification)
- Large installment loan amounts ($100-$1,000) relative to payday loan competitors
Cons
- Payday loans limited to $500, requiring repayment in 2-4 weeks, which may not address longer-term financial needs
- Title loans use vehicle as collateral, creating risk of vehicle repossession if unable to repay
- Website does not disclose APR, interest rates, or fees, making cost comparison difficult for consumers
- Short repayment terms (2-4 weeks for payday loans) may create debt cycles for vulnerable borrowers
- Installment loan maximum of $1,000 is modest for significant financial emergencies
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.5
Transparency 2.3
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is Advance America legitimate?
Yes. Advance America is a registered company, headquartered in 148 E New Rd, Greenfield, IN 46140.
Quick Facts
- Headquarters
- 148 E New Rd, Greenfield, IN 46140
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Advance America
Advance America is best for consumers facing immediate, short-term cash shortfalls (typically 1-2 weeks) who cannot access traditional bank loans and have reliable income or vehicle collateral. The primary caveat is that payday and installment loans carry significantly higher costs than traditional credit, and the short repayment terms can create debt cycles; consumers should only use these products when alternative resources are exhausted and repayment is certain.
CFPB Transparency Report
Public data from the Consumer Financial Protection Bureau
- Issues Resolved
- 99.8%
- Timely Responses
- 97.5%
Source: consumerfinance.gov | Last checked 2026-03-27
Best For
- Consumers needing $100-$500 immediately before their next paycheck with ability to repay in 2-4 weeks
- Vehicle owners with good-condition cars and immediate capital needs up to $25,000
- Borrowers preferring in-person service and staff guidance for loan selection
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →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 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.
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 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.
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 might only need 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 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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