No stored Google rating available.
Advance America offers same-day installment loans from $200–$5,000 at its Las Vegas, NV location, marketed as a higher-limit alternative to payday and title loans.
Data compiled from public sources
Advance America is a nationally recognized short-term and installment lender with a physical branch at 4001 S. Decatur Blvd, Suite 7 in Las Vegas, Nevada, located inside Renaissance Center West. The company serves millions of consumers across the United States and describes itself as fully accredited. This Las Vegas location has accumulated a 4.9 out of 5 star rating based on 125,418 reviews, with more than 200,000 Google reviews across the brand.
The primary product offered at this location is an Installment Loan, available both in-store (up to $5,000) and online (up to $3,000), with a minimum of $200. Unlike a single-payment payday loan, installment loans are repaid through multiple scheduled payments over time, which the company positions as offering larger amounts and longer repayment periods than traditional payday products. The store also provides Western Union money transfer services. To apply, borrowers need a government-issued ID, proof of income, a checking account, and a Social Security Number or ITIN. Pre-qualification is available by phone before visiting.
What distinguishes this location is its bilingual staff — the store explicitly advertises Spanish-speaking service — and its provider-stated funding timing capability in-store. Operating hours run Monday through Friday 10am–6pm and Saturday 10am–3pm, with Sunday closures. The branch also runs a referral program offering a $50 reward for each new borrower referred who originates a loan.
Advance America serves a consumer segment that cannot access traditional bank credit and needs short-term cash access, typically same-day. While installment repayment is more consumer-friendly than a single payday balloon payment, these loans are categorized as high-cost credit. The website does not disclose APRs, which is a significant transparency gap — rates on short-term installment loans from lenders in this category routinely exceed 100% APR. Consumers should compare the total repayment cost against other options before borrowing.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Las Vegas, NV. It does not confirm that Advance America - Southeast or this specific location is licensed.
State regulator
Nevada Financial Institutions Division
Consumer protection
Status: Permitted
Rate context: No APR cap; rates can exceed 600% APR
Amount context: $25% of borrower's expected gross monthly income
Term context: 35 days
Regulated under Nev. Rev. Stat. § 604A.200-604A.215 (Deferred Deposit Loan Law); lenders must be licensed; loans capped at 25% of gross monthly income with maximum 35-day term; rollovers and extensions allowed but subject to income limits
Status: Permitted
Rate context: No general usury cap; rates negotiated between lender and borrower
Installment loans are permitted; lenders making installment loans of $2,500 or more must be licensed under Nev. Rev. Stat. § 604A; Truth in Lending Act (TILA) and Regulation Z disclosures apply to federally-regulated lenders
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Advance America - Southeast offers 8 services including In-store installment loans ($200–$5,000), Online installment loans ($200–$3,000), Same-day in-store loan funding, Phone pre-qualification, Western Union money transfers, and 3 more.
Advance America - Southeast has profile signals associated with Las Vegas residents who need $200–$5,000 same-day and cannot qualify for a bank personal loan, Borrowers who prefer in-person service with Spanish-language support, Consumers who need more than a typical payday loan ($500) but cannot access traditional installment credit, People who want scheduled multi-payment repayment rather than a single-payment payday structure.
Key strengths: Same-day in-store funding available at the Las Vegas branch; Installment repayment structure — multiple payments over time rather than a single balloon payment; In-store loan amounts up to $5,000, higher than typical payday alternatives. Areas to consider: APR is not disclosed anywhere on the store page — a major transparency gap typical of high-cost short-term lenders; Online loan cap ($3,000) is lower than the in-store cap ($5,000), limiting remote borrowers.
In the Emergency Cash category, comparable providers include Advance America, Easy Payday Loans, Rapid Cash. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Advance America is profile signals for consumers with limited credit access who are researching short-term cash access between $200 and $5,000 and prefer in-person service with flexible installment repayment. The main caveat is that APRs are not disclosed on the website and are almost certainly very high — borrowers should request the full APR and total cost of credit before signing, and should exhaust credit union PALs or employer advance programs first.
Henderson, NV's Advance America location at 560 S. Marks offers payday and title-loan profile details with same-day service claims to verify.
Profile signals: Employed borrowers needing $500 or less to cover expenses until their next paycheck, Vehicle owners who need $2,000–$25,000 and have a paid-off car to use as collateral
At 953 E Sahara Ave in Las Vegas, NV, Easy Payday Loans offers payday-loan profile details and cash advances, open 3AM-2AM daily.
Profile signals: Nevada residents in Las Vegas area facing unexpected urgent expenses, Employed individuals who need same-day or next-day cash access
Rapid Cash North Las Vegas, Nevada — Rapid Cash is a regional brand of Speedy Cash Holdings offering payday loans, installment loans, title loans, check...
Profile signals: Nevada, Oregon, or Washington residents who are researching emergency-cash timing and cannot qualify for bank or credit union loans, Underbanked consumers who also need check cashing, prepaid cards, or wire transfer services in one location
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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.
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.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Advance America - Southeast and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.