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Part of the Advance America chain · locations
Advance America in Kissimmee, FL
Kissimmee, FL's Advance America at 1345 E Vine St offers payday loans and title loans with flexible terms.
Data compiled from public sources · Rating from CreditDoc methodology
Advance America Review
Advance America is located at 1345 E Vine Street in Kissimmee, FL, in a standalone storefront easily accessible to residents and visitors. This Kissimmee location serves the community with convenient hours: Monday through Wednesday from 10AM to 6PM, Thursday 10AM to 6PM, Friday 9AM to 6PM, and Saturday 9AM to 4PM (closed Sundays).
At this Kissimmee branch, you can access payday loans, title loans, and other short-term financing options. The knowledgeable staff can answer questions about loan terms, repayment options, and eligibility requirements. Call +1 407-518-7474 to speak with a representative or visit in person during operating hours.
If you need quick cash in Kissimmee, FL, bring a valid government-issued ID, proof of income (recent pay stub), and an active bank account for funding. Advance America has helped thousands of borrowers access emergency funds when they need them most.
Services & Features
In-store loan applications
Installment Loans ($100-$1,000 with multiple payment options)
Online loan applications
Payday Loans ($100-$500, 2-4 week terms)
Phone pre-qualification
Same-day funding
Spanish-language customer service
Store locations with extended hours (weekday/weekend)
Title Loans ($2,000-$25,000 with vehicle collateral)
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 payday and installment loans up to $1,000
- Larger loan amounts with installment loans ($100-$1,000) compared to payday-only competitors
- Physical store network with extended weekend hours (open Saturdays 9 AM-4 PM)
- Bilingual customer service (English and Spanish) at all locations
- Multiple application channels: in-store, online, and phone pre-qualification
- 4.9-star rating based on 125,419 verified customer reviews
- Title loans available up to $25,000 for vehicle owners with paid-off cars
- Western Union services integrated at store locations
Cons
- No APR, interest rates, or fee structure disclosed on website—total cost of borrowing unclear
- Title loans require vehicle collateral, creating repossession risk if payments missed
- Short-term loan structure (2-4 weeks for payday loans) not designed for ongoing financial stability
- Physical store requirement for in-person applications limits accessibility compared to fully online lenders
- Target market (emergency cash borrowers) typically has limited alternatives and credit constraints
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 1345 E Vine St, Kissimmee, FL 34744.
Quick Facts
- Headquarters
- 1345 E Vine St, Kissimmee, FL 34744
- 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 suited for consumers facing immediate cash emergencies who have vehicle equity or stable paychecks and can repay within 2-4 weeks. The primary caveat is the absence of disclosed pricing—borrowers cannot evaluate true cost before applying, and these products typically carry triple-digit APRs, making them expensive compared to credit unions, personal loans, or employer advances under 36% APR.
CFPB Transparency Report
Public data from the Consumer Financial Protection Bureau
- Issues Resolved
- 99.8%
- Timely Responses
- 97.5%
Source: consumerfinance.gov | Last checked 2026-03-26
Best For
- Consumers needing $100-$1,000 in immediate cash for emergency expenses between paychecks
- Vehicle owners seeking short-term cash loans ($2,000-$25,000) using car title as collateral
- Spanish-speaking borrowers in Jacksonville seeking in-person financial service with bilingual support
- Applicants unable or unwilling to wait for bank loans and needing same-day funding
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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