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Advance America in Johnson City, TN

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Johnson City, TN's Advance America at 509 N State of Franklin Rd offers payday and title loans with quick approval.

Data compiled from public sources

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Advance America Review

Located at 509 N State of Franklin Rd #1 in Johnson City, TN, Advance America is a standalone storefront offering quick financial services to the East Tennessee community. The location operates Monday through Friday from 10 AM to 6 PM, and Saturday mornings from 10 AM to 2 PM, making it convenient for working adults in Johnson City who need to access loans during standard business hours.

This Johnson City branch specializes in payday loans and title loans, designed for residents researching short-term cash access without lengthy approval processes. You can reach the location directly at 423-926-7413 to discuss your loan options, ask about eligibility requirements, or schedule an appointment with the local team.

When visiting the Johnson City Advance America, bring a valid government ID, proof of income, and information about your vehicle if applying for a title loan. The storefront serves residents across Johnson City and surrounding areas in TN with straightforward lending options tailored to short-term financial needs.

Services & Features

Bilingual (English/Spanish) in-store service
In-store loan processing
Installment Loans ($100–$1,000, multi-payment schedule, online or in-store)
Online loan applications
Payday Loans ($100–$500, 2–4 week term, online or in-store)
Phone pre-qualification
Referral rewards program
Title Loans ($2,000–$25,000 online, via LoanCenter partnership)
Western Union money transfers

Feature Checklist

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

Pros & Cons

Pros

  • 4.9/5 star rating across 125,401 customer reviews — unusually high and consistent satisfaction for the short-term lending category
  • Three loan types under one roof: payday, installment, and title loans covering $100 to $25,000
  • Title loans up to $25,000 via LoanCenter partnership — higher in listed context ceiling than payday-only lenders
  • Bilingual English/Spanish staff available in-store for Spanish-speaking customers
  • Multiple application channels: online, phone pre-qualification, and in-store walk-in
  • Western Union money transfer services available at this location
  • Saturday hours (9am–4pm) for customers unable to visit on weekdays

Cons

  • Payday loan maximum of $500 is insufficient for larger emergency expenses
  • Title loans require a fully paid-off vehicle with clear title in the applicant's name — excludes most borrowers
  • Closed on Sundays, limiting access for true weekend emergencies
  • Checking account required to qualify — excludes unbanked consumers from payday and installment products
  • Short-term loan APRs are consistent with the broader payday lending industry, meaning triple-digit annualized rates that make repeated borrowing expensive

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State Consumer Finance Context

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

State regulator

Tennessee Department of Financial Institutions

Consumer protection

Tennessee Attorney General Consumer Protection Division

Payday loan rules in Tennessee

Status: Permitted

Rate context: Maximum fee of 15% of the advance amount

Amount context: $500

Term context: 31 days

Regulated under Tennessee Deferred Presentment Act (Tenn. Code Ann. § 45-17-101 et seq.). Borrowers limited to two outstanding payday loans at any time. Lenders must be licensed with Tennessee Department of Financial Institutions. No statewide database system currently in place.

Installment loan rules in Tennessee

Status: Permitted

Rate context: 24% APR for consumer finance installment loans; rates may vary for other installment loans

Governed by Tennessee Consumer Finance Act (Tenn. Code Ann. § 45-1-201 et seq.). Lenders must disclose all terms including finance charges, payment schedule, and total amount financed.

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of 15% of the advance.
  • Maximum loan term is 31 days.
  • Borrowers limited to two outstanding payday loans 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 9 services including Payday Loans ($100–$500, 2–4 week term, online or in-store), Installment Loans ($100–$1,000, multi-payment schedule, online or in-store), Title Loans ($2,000–$25,000 online, via LoanCenter partnership), Online loan applications, In-store loan processing, and 4 more.

What profile signals are listed for Advance America?

Advance America has profile signals associated with Consumers needing $100–$500 quickly to bridge a gap until their next paycheck, Borrowers who need up to $1,000 and prefer spreading repayment across multiple installments rather than a lump-sum payoff, Vehicle owners with a fully paid-off car who need $2,000–$25,000 and understand the collateral risk, Spanish-speaking customers seeking bilingual loan service in the Jacksonville area.

What are the strengths and weaknesses of Advance America?

Key strengths: 4.9/5 star rating across 125,401 customer reviews — unusually high and consistent satisfaction for the short-term lending category; Three loan types under one roof: payday, installment, and title loans covering $100 to $25,000; Title loans up to $25,000 via LoanCenter partnership — higher in listed context ceiling than payday-only lenders. Areas to consider: Payday loan maximum of $500 is insufficient for larger emergency expenses; Title loans require a fully paid-off vehicle with clear title in the applicant's name — excludes most borrowers.

How does Advance America compare to similar companies?

In the Emergency Cash category, comparable providers include Columbia Check Advance & Auto Titles, E Z Cash, Murfreesboro Fast Cash - Payday Loans, Title Loans, Cash Advances, and Check Advances. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
509 N State of Franklin Rd #1, Johnson City, TN 37604
BBB Accredited
No
Visit Advance America

CreditDoc Profile Note

Research Note on Advance America

profile signals for consumers with immediate, short-term cash needs up to $1,000 who have exhausted lower-cost options such as credit union PALs or employer advances, or for vehicle owners who need larger sums through title lending. The primary caveat is cost: payday and installment loan APRs are high by industry standard, and title loans carry real repossession risk — these products should only be used for genuine one-time emergencies with a clear repayment path already in place.

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 2026-03-26

Profile Signals

  • Consumers needing $100–$500 quickly to bridge a gap until their next paycheck
  • Borrowers who need up to $1,000 and prefer spreading repayment across multiple installments rather than a lump-sum payoff
  • Vehicle owners with a fully paid-off car who need $2,000–$25,000 and understand the collateral risk
  • Spanish-speaking customers seeking bilingual loan service in the Jacksonville area
Updated 2026-05-08

Similar Companies

Columbia Check Advance & Auto Titles logo

Columbia Check Advance & Auto Titles

Neighborhood Cash offers title loans, payday loans, and signature loans with provider-stated funding timing across Tennessee and Kentucky locations. New customers receive promotional offers including advertised 0% interest to verify for 30 days on title loans.

BBB: NR

Profile signals: Vehicle owners needing $1,000-$2,500 in emergency cash who qualify for title loans, Employed individuals with checking accounts facing short-term cash access shortages (payday loans)

View Details
E Z Cash logo

E Z Cash

E-Z Cash offers payday loans (up to $425) and title loans (up to $2,500) with fast funding at physical locations across Tennessee, Mississippi, and Louisiana.

BBB: NR

Profile signals: Workers facing genuine one-time emergencies with no other credit access who can repay in 14 days, Vehicle owners needing $500–$2,500 quickly with title loan as collateral alternative

View Details
Murfreesboro Fast Cash - Payday Loans, Title Loans, Cash Advances, and Check Advances logo

Murfreesboro Fast Cash - Payday Loans, Title Loans, Cash Advances, and Check Advances

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: Consumers in Murfreesboro area seeking emergency cash who can visit in-person, Those willing to contact via phone to verify current operations before applying

View Details

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Quick Summary

  • Advance America is listed as a Emergency Cash provider in Johnson City, TN 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.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.

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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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