V
Venture Payday Loans
Contact
BBB:
Part of the Advance America chain · locations
Advance America in Yulee, FL
Advance America in Yulee, FL offers payday and title loans at 463797 FL-200 #2, open Monday-Thursday 10 AM–6 PM and Friday-Saturday 9 AM–4 PM.
Data compiled from public sources · Rating from CreditDoc methodology
Advance America Review
Advance America's Yulee, FL location stands at 463797 FL-200 #2, serving the Yulee community with convenient payday and title loan services. The store is open Monday through Thursday 10 AM–6 PM, Friday and Saturday 9 AM–4 PM, and closed Sundays.
At this Yulee, FL Advance America, you can apply for payday loans and vehicle title loans with quick approval. Call 904-548-9942 to speak with the team about loan options, rates, and eligibility requirements.
Residents of Yulee looking for fast cash can visit this local Advance America branch with a valid ID and proof of income. Whether you need emergency funds or a short-term loan, this store provides accessible lending solutions when you need them most.
Services & Features
Auto title loans (secured by vehicle equity, select states)
Check cashing at retail locations
Customer rewards program (points for on-time payments)
Extended repayment plans (CFSA requirement for members)
Financial education resources on company website
In-store cash advances
Installment loans with multi-month repayment (select states)
Lines of credit up to approximately $4,000 (select states)
Online account management portal (apply, check status, make payments)
Online loan applications and funding
Payday loans ($100–$2,000, 7–30 day terms)
Same-day in-store cash disbursement (approx. 30 minutes)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pricing Plans
Payday Loan
Free /mo
- Loan amounts from $100 to $2,000
- Repayment terms of 7 to 30 days
- Approximately $15 fee per $100 borrowed (state-dependent)
- APR typically 350%–700%
- In-store cash in approximately 30 minutes
- Online approval in 2–4 hours
- Available in-store and online across 27+ states
Most Popular
Installment Loan
Free /mo
- Multi-month repayment schedule
- Lower APRs than payday loans in rate-capped states
- Available in select states
- Fixed payment amounts over loan term
- Apply online or in-store
Title Loan
Free /mo
- Secured by vehicle title
- Larger loan amounts possible based on vehicle value
- Available in select states
- Vehicle must be owned outright or have significant equity
Line of Credit
Free /mo
- Revolving credit up to approximately $4,000
- Draw funds as needed up to credit limit
- Available in select states
- Manage account via online portal
Pros & Cons
Pros
- One of the largest US payday lenders with 800–1,500+ retail locations across 27+ states
- In-store cash disbursement in approximately 30 minutes; online approvals in 2–4 hours
- Customer rewards program earns points for on-time payments, redeemable for fee discounts on future loans
- CFSA founding member — contractually obligated to offer extended repayment plans to borrowers who cannot repay on time
- BBB A+ rating and accredited since September 2024
- Multiple loan products available: payday, installment, title loans, and lines of credit depending on state
- Financial education content available on website alongside loan products
Cons
- APRs range from 143.29% to 688.28% — among the highest legal borrowing costs available to US consumers
- Short 7-to-30-day repayment windows on payday loans create significant risk of repeat borrowing cycles and debt traps
- Not available in all states — payday lending is prohibited or severely restricted in numerous US states
- Owned by Grupo Elektra, a Mexican conglomerate — not a US-rooted independent company
- Native mobile app unconfirmed — only a mobile-accessible web portal has been verified
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 3.8
Transparency 3.7
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
- CFSA Member BBB Accredited Business (since September 2024) State lending licenses in all operating states
- Starting Price
- Free/mo
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Advance America
Advance America is best suited for consumers facing a documented short-term cash emergency — specifically those who have exhausted lower-cost options and can realistically repay the full loan amount on their next payday. The central caveat is cost: APRs can reach nearly 700%, meaning these loans become extremely expensive if not repaid on schedule, and repeat borrowing is a well-documented risk for financially vulnerable consumers.
CFPB Transparency Report
Public data from the Consumer Financial Protection Bureau
- Issues Resolved
- 99.8%
- Timely Responses
- 97.5%
Source: consumerfinance.gov | Last checked 2026-03-23
Best For
- Unbanked or underbanked consumers who cannot access traditional bank loans or credit cards
- Borrowers facing a genuine short-term cash emergency who need funds within 24 hours
- People who have been denied for personal loans due to poor or thin credit history
- Consumers in one of the 27+ states where Advance America is licensed and operating
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.