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Part of the Advance America chain · locations
Advance America in Schertz, TX
Schertz, TX's Advance America at 6051 FM3009 offers payday and title loans with flexible terms and same-day approval.
Data compiled from public sources · Rating from CreditDoc methodology
Advance America Review
Located at 6051 FM3009 Suite 240 in Schertz, TX, this Advance America branch is a standalone payday and title loan storefront serving the local community. The store is conveniently positioned for customers throughout Schertz needing quick financial solutions. It's open Monday through Friday from 10 AM to 6 PM, with reduced Saturday hours from 10 AM to 3 PM, and closed Sundays.
This Schertz location provides payday loans, title loans, and other short-term lending services with same-day approval available. Call the store directly at +1 210-651-7305 to discuss your borrowing needs, loan amounts, and repayment terms. The team can answer questions about documentation requirements and help you find a loan option that fits your situation.
If you're a Schertz resident facing unexpected expenses, this Advance America branch offers fast access to cash without the typical bank wait times. Bring a valid ID, proof of income, and banking information to your appointment. The store specializes in serving customers who need immediate financial relief.
Services & Features
Bilingual customer service (English/Spanish)
In-store loan applications
Installment loans ($100–$1,000, longer repayment terms)
Loan referral rewards program
Online loan applications
Payday loans ($100–$500, 2–4 week terms)
Phone-based pre-qualification
Same-day funding availability
Title loans ($2,000–$25,000, vehicle-collateralized)
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 or next-day funding available for loans up to $1,000
- Multiple loan products (payday, installment, title) in one location
- Extended store hours (9 a.m.–6 p.m. weekdays, 9 a.m.–4 p.m. Saturdays)
- Bilingual customer service (English and Spanish)
- Online and in-store application options
- Installment loans offer larger amounts ($100–$1,000) and longer repayment terms than payday loans
- Title loans available up to $25,000 for vehicle owners
- 4.9/5 customer rating with 125,497+ reviews on Google
Cons
- No APR, fees, or cost details disclosed on the website; consumers must call or visit in-store to learn actual rates
- Payday and title loans are high-cost credit products that can trap borrowers in debt cycles
- Title loans require putting a vehicle at risk of repossession as collateral
- Limited loan amounts for payday loans ($100–$500) may not cover larger emergencies
- No mention of income verification standards, making qualification criteria unclear
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.5
Transparency 2.3
Ease of Use 3.9
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Frequently Asked Questions
Is Advance America legitimate?
Yes. Advance America is a registered company, headquartered in 6051 FM3009 Suite 240, Schertz, TX 78154.
Quick Facts
- Headquarters
- 6051 FM3009 Suite 240, Schertz, TX 78154
- 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 workers with genuine short-term cash emergencies (1–2 weeks) who have exhausted other options and need speed over cost efficiency. The primary caveat is that APRs and fees are not disclosed on the website; borrowers must contact the company directly to understand true costs before committing, and these products carry substantially higher costs than traditional credit.
CFPB Transparency Report
Public data from the Consumer Financial Protection Bureau
- Issues Resolved
- 99.8%
- Timely Responses
- 97.5%
Source: consumerfinance.gov | Last checked 2026-03-28
Best For
- Workers facing a genuine 1–2 week cash shortage before their next paycheck
- Vehicle owners with immediate emergency expenses who have no other borrowing options
- Consumers who need flexible repayment terms and can qualify for installment loans instead of payday loans
- Bilingual Spanish speakers seeking accessible in-person lending with customer support
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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