V
Venture Payday Loans
Contact
BBB:
Part of the Advance America chain · locations
Advance America in Plymouth, IN
Plymouth, IN's Advance America provides fast payday and title loans at 2017 N Michigan St with Saturday hours.
Data compiled from public sources · Rating from CreditDoc methodology
Advance America Review
Located at 2017 N Michigan St in Plymouth, IN, this Advance America storefront is a standalone branch serving the community. Hours are Monday–Friday 10AM–6PM, Saturday 10AM–2PM, and closed Sundays.
This Plymouth branch offers payday loans, title loans, and other short-term financial services. Call +1 574-936-1701 to ask about eligibility, rates, and application requirements. The staff can walk you through the process and answer questions about terms and approval.
If you're in Plymouth, IN and need cash quickly, bring your ID, recent pay stubs, and a blank check. This location's Saturday hours (10AM–2PM) are convenient since many lenders close on weekends.
Services & Features
In-Store Loan Applications (750+ locations nationwide)
Installment Loans (3–24 month fixed-payment loans)
Instant approval decisions
Lines of Credit (revolving, interest on drawn amount only)
Money Services including money orders (at select locations)
Next-day funding via direct deposit
Online Loan Applications (online.advanceamerica.net)
Payday Loans (7–30 day short-term loans)
Personal Loans (designed for bad-credit borrowers)
Title Loans (vehicle-secured loans, borrower keeps vehicle)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pricing Plans
Payday Loans
Free /mo
- Short-term loans repaid on next payday (7–30 day terms)
- APR typically 200%–700% depending on state
- Example: $35 fee on $300 loan for 14 days in Florida = 304% APR
- No minimum credit score required
- Instant approval decisions; funds within 24 hours
- Available in-store and online
Most Popular
Installment Loans
Free /mo
- Fixed monthly payments over 3–24 month terms
- APR typically 207%–348%+
- Example: $800 loan totaling approximately $2,221 repaid over 24 months
- Higher loan amounts than payday products
- Available to borrowers with poor credit
- In-store and online application
Title Loans
Free /mo
- Secured by vehicle title; borrower keeps driving the vehicle
- APR varies by state
- Available at select store locations
- Approval based on vehicle value, not credit score
Lines of Credit
Free /mo
- Revolving credit line; reusable as balance is repaid
- Interest charged only on amount drawn
- APR varies by state
- Available in select states only
Pros & Cons
Pros
- 750–800+ physical store locations across ~23 states — one of the largest payday lender footprints in the US
- Both in-store and online applications accepted via online.advanceamerica.net
- Approval decisions can be instant with funds deposited within 24 hours
- No minimum credit score required — explicitly serves bad-credit and no-credit borrowers
- Multiple loan types under one brand: payday, installment, title, and lines of credit
- BBB A+ rated and accredited since September 2024
- 28+ years in operation since 1997 with a national physical presence
Cons
- Payday loan APRs range from 200% to 700% — among the most expensive legal consumer credit products available
- BBB customer review score of only 1.69/5 from 154 reviews despite the A+ accreditation rating
- 302 BBB complaints filed in the past 3 years, with 74 in the most recent 12 months alone
- Only available in approximately 23 states — unavailable in roughly half the country
- No confirmed dedicated mobile app as of March 2026
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 3.8
Transparency 3.4
Ease of Use 4.0
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is Advance America legitimate?
Yes. Advance America is a registered company, headquartered in Spartanburg, SC, founded in 1997. They hold a A+ rating with the Better Business Bureau and are BBB-accredited.
How much does Advance America cost?
Advance America plans start at Free per month with no setup fee. No money-back guarantee is offered.
Quick Facts
- Founded
- 1997
- Headquarters
- Spartanburg, SC
- BBB Rating
- A+
- BBB Accredited
- Yes
- Certifications
- State non-bank lender licenses (23 states) BBB Accredited (since September 2024)
- Starting Price
- Free/mo
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Advance America
Advance America is genuinely best for credit-impaired consumers facing a true financial emergency who need cash in hand within 24 hours and have been turned away by traditional lenders. The critical caveat is cost: payday loan APRs of 200%–700% make these among the most expensive legal consumer financial products available, and the company's 1.69/5 BBB customer review score alongside 302 complaints in three years signals meaningful service-level concerns. These loans should function as a last resort, not a routine financial management tool.
CFPB Transparency Report
Public data from the Consumer Financial Protection Bureau
- Issues Resolved
- 99.7%
- Timely Responses
- 97.4%
Source: consumerfinance.gov | Last checked 2026-03-25
Best For
- Consumers with poor or no credit who cannot qualify for traditional bank loans or credit cards
- People needing emergency cash within 24 hours who have exhausted lower-cost borrowing options
- Borrowers who prefer in-person transactions at a physical store location
- Underbanked Americans needing a short-term financial bridge between paychecks
Updated 2026-04-29
More Emergency Cash
U
USA Payday Cash Loans Memphis
Contact
BBB:
U
USA Cash Services
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Advance America and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.