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Part of the Advance America chain · locations
Advance America in Warren, MI
Warren, MI's Advance America at 29140 Ryan Rd offers quick payday and title loans during convenient business hours.
Data compiled from public sources · Rating from CreditDoc methodology
Advance America Review
Located at 29140 Ryan Rd in Warren, MI, this Advance America is a standalone payday and title loan storefront. The Warren location operates Monday through Thursday from 10 AM to 6 PM, Friday 9 AM to 6 PM, and Saturday 10 AM to 2 PM, with Sunday closures. This centrally accessible Warren branch makes it easy for residents to visit during their preferred times.
The Warren, MI storefront specializes in fast payday loans and title loans for customers needing quick cash. Staff at this location can answer questions about rates, terms, and the application process—call 586-582-0315 to learn more or to apply. Both in-person and phone inquiries are handled promptly.
Warren residents looking for quick cash solutions can visit this Ryan Rd location with a government-issued ID and proof of income. The application process is straightforward and can often be completed the same day. Advance America's Warren storefront provides straightforward lending for local needs.
Services & Features
In-store loan applications
Installment Loans ($100–$1,000, online or in-store)
Online loan applications
Payday Loans ($100–$500, online or in-store)
Phone pre-qualification
Referral rewards program
Same-day personal loan funding up to $1,000
Spanish-language customer service
Title Loans ($2,000–$25,000, in partnership with LoanCenter)
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 aggregate rating across 125,409+ verified reviews — unusually high volume of customer feedback
- Bilingual (English/Spanish) staff on-site for Spanish-speaking borrowers
- Three distinct loan products covering $100 to $25,000 in a single location
- Same-day funding available on personal loans up to $1,000
- Both online and in-store application paths available
- Phone pre-qualification offered before visiting the branch
- Western Union money transfers available in-store alongside lending
Cons
- Payday loans are two-to-four-week balloon products — structure encourages rollovers if not repaid on schedule
- Title loans are underwritten by a third party (LoanCenter), not directly by Advance America — borrowers are dealing with two entities
- Title loans require a fully paid-off vehicle with clear title, excluding borrowers still making car payments
- No Sunday hours limits access for borrowers with weekday work constraints
- High-cost product category — APRs on payday and installment loans at this type of lender are typically far above 100%
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 29140 Ryan Rd, Warren, MI 48092.
Quick Facts
- Headquarters
- 29140 Ryan Rd, Warren, MI 48092
- 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 employed borrowers with no access to lower-cost credit who need $100–$1,000 same-day and can repay within one to two pay cycles, or vehicle owners needing a larger lump sum via title loan. The central caveat is cost: payday and short-term installment loans at this type of lender carry very high APRs, and the title loan product carries repossession risk — borrowers who cannot repay quickly will find the cost compounds rapidly.
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
- Employed borrowers facing a one-time cash shortfall before their next paycheck with a clear repayment plan
- Vehicle owners with a paid-off car who need $2,000–$25,000 and cannot qualify for a bank personal loan
- Spanish-speaking borrowers who need in-person bilingual assistance navigating a loan product
- Consumers who have already ruled out credit union PALs or CDFI alternatives and need same-day cash
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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