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Part of the Advance America chain · locations
Advance America in Yukon, OK
Yukon, OK - Advance America at 1300 W Vandament Ave Unit 401 offers fast payday and title loans with same-day approval for local residents.
Data compiled from public sources · Rating from CreditDoc methodology
BBB: A+
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Advance America Review
Advance America in Yukon, OK is located at 1300 W Vandament Ave Unit 401, a convenient standalone storefront in town. This Yukon location is open Monday through Friday from 10 AM to 6 PM, with Saturday hours from 10 AM to 1 PM, and closed on Sundays. It's designed as a walk-in service center where customers can apply for loans and handle transactions directly with staff.
At this Yukon, OK branch, Advance America offers payday loans and title loans with rapid approval and minimal documentation. You can reach the store directly at (405) 350-3033 to ask about current rates, eligibility requirements, or to schedule a visit. Staff can explain loan terms, required paperwork, and next steps during your initial consultation.
If you're a Yukon resident needing emergency cash, bring a valid government ID, proof of income, and banking information—most approved customers receive funds within 24 hours. The service is straightforward and designed for people facing short-term financial needs.
Services & Features
"Worry-Free Advance" job-loss fee waiver program
Account management via online portal (online.advanceamerica.net)
Cash Advances
In-store cash disbursement (~30 minutes after approval)
Installment Loans (3–24 month repayment terms)
Lines of Credit (revolving, up to ~$4,000 in select states)
Money Orders
Next-business-day (or same-day) online funding
Online loan applications (27 states)
Payday Loans (2–4 week term, ~$15 per $100 borrowed, state-regulated fees)
Title Loans (vehicle-secured, rates vary by state)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 800+ physical store locations across 22 states with in-store cash disbursement in approximately 30 minutes
- Online lending platform available in 27 states with next-business-day funding (same-day if approved before noon)
- BBB A+ rating and accredited since September 2024
- "Worry-Free Advance" waives all loan fees if borrower loses their job during the loan term
- Founded in 1997 — nearly 30 years of consumer lending experience and operational scale
- No credit bureau reporting — missed payments do not further damage an already low credit score
- Great Place to Work® certified in both 2024 and 2025 with 84% employee approval
Cons
- Payday loan APRs of approximately 350–700% make these among the highest-cost legal credit products in the US
- BBB customer review score of only 1.7/5 from 154 reviews, with 302 complaints filed in the past three years
- No credit bureau reporting means on-time repayments do not help build or improve credit history
- Product availability and rates vary significantly by state — not all loan types are offered everywhere
- Ultimately owned by Grupo Elektra, a foreign conglomerate — no longer a US-independent company
Rating Breakdown
Value 1.8
Effectiveness 1.5
Customer Service 3.8
Transparency 3.1
Ease of Use 4.0
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Frequently Asked Questions
Is Advance America legitimate?
Yes. Advance America is a registered company, headquartered in Greenville, SC, founded in 1997. They hold a A+ rating with the Better Business Bureau and are BBB-accredited.
Quick Facts
- Founded
- 1997
- Headquarters
- Greenville, SC
- BBB Rating
- A+
- BBB Accredited
- Yes
- Certifications
- Great Place to Work® 2024 Great Place to Work® 2025
- 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 in a genuine short-term cash emergency who lack access to lower-cost credit and need funds within hours. The main caveat is price: at $15 per $100 borrowed, a two-week $300 loan costs $45 in fees, and an inability to repay on the due date can trigger costly rollovers. Borrowers should treat this as a true last resort and have a firm repayment plan in place before applying.
CFPB Transparency Report
Public data from the Consumer Financial Protection Bureau
- Issues Resolved
- 99.8%
- Timely Responses
- 97.5%
Source: consumerfinance.gov | Last checked 2026-03-24
Best For
- Underbanked or credit-challenged consumers who need emergency cash within hours and have no lower-cost borrowing options
- Borrowers facing a short-term cash shortfall between paychecks who can commit to repaying on their next payday
- Consumers in one of 22 states with a nearby store who prefer face-to-face service and same-day cash
- People who need a small loan and have already been declined by banks, credit unions, and credit cards
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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