Advance Financial - UT Online Reviews 273

TrustScore 4.5 out of 5

4.3

Oceanside Drive 888, 37204 Nashville, TN, US


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See what reviewers are saying

Rated 5 out of 5 stars

So easy and when I called in, the person I spoke with was so nice and explained things to me and answered all of my questions.

Rated 1 out of 5 stars

I was approved for a $500 loan on Monday, and it's now Wednesday—I’m still unable to access the funds. If someone needs this money urgently, I would honestly recommend they look elsewhere. Customer... See more

Company replied

Rated 5 out of 5 stars

We are struggling due to having to start over. Life is so scarry when you are just trying to do right by paying rent and keeping food to a bare minimum for you and your animals. I was able to receive... See more

Rated 5 out of 5 stars

I was skeptical at first after reading the reviews but I tried it anyways! The customer service agent Hannah was amazing! The process to submit documents and get a decision was under an hour and I got... See more


Company details

  1. Money & Insurance

About Advance Financial - UT Online

Written by the company

Tennessee based, Advance Financial was founded in 1996. From its humble beginnings as a 3-store chain, the company has grown to include more than 90 locations throughout Tennessee. Advance Financial is a leading fintech company offering online line of credit and installment loans across the country.

Recent recognitions include 2019 Inc. 5000 fastest-growing private companies for the eighth straight years; A+ rating by the Better Business Bureau; Nashville’s 4th fastest growing company (2019, Nashville Business Journal); Forbes Best Employers for New Graduates (2018); and, Indeed Top-Ranked Workplace for Compensation/Benefits (2019). Advance Financial is the second largest family-owned company headquartered in Nashville (2019, Nashville Business Journal).


Contact info

  • Oceanside Drive 888, 37204, Nashville, TN, United States

  • 615-341-5900

4.3

Excellent

TrustScore 4.5 out of 5

273 reviews

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Rated 1 out of 5 stars

This is some kind of scam

This is some kind of scam. $450 @ 450% WTF is that all about. Your telling me I can't open an online bank without this BS loan?

7 March 2026
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Reply from Advance Financial - UT Online

Hi Steven. Thank you for your feedback. We’re sorry to hear we didn’t meet your expectations. If you’d like to discuss this further, please contact us at www.af247.com/contact/ so we can connect with you.

Rated 1 out of 5 stars

Avoid Advance Financial at all costs if…

Avoid Advance Financial at all costs if you are in an emergency. I specifically selected 'Instant Funding' for my loan, expecting the money to hit my debit card immediately. Instead of notifying me that the debit card transfer failed or giving me a prompt to cancel, their system automatically defaulted to a standard ACH checking deposit without my consent.
I called them literally one minute after the loan went through to fix their error, and they flat-out told me they 'couldn't do anything.' Now, my money is trapped in a 2-5 business day banking limbo while my account is sitting at -$400. Because they didn't have the decency to show a 'Transfer Failed' message, I'm now facing hundreds of dollars in overdraft fees and have no way to access the funds I'm paying interest on. Their 'Instant Cash' claim is a total lie designed to trap you. Use a physical storefront instead.

27 January 2026
Rated 1 out of 5 stars

$230

$230, some odd dollars a month.for $750, you're out of your mind. And it automatically went into my account when I didn't withdraw anything because I didn't want to do it. GetYou're crap together

13 January 2026
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Reply from Advance Financial - UT Online

Hi Ronda. Thank you for your feedback. We’re sorry to hear we didn’t meet your expectations. If you’d like to discuss this further, please contact us at www.af247.com/contact/ so we can connect with you.

Rated 1 out of 5 stars

Company is trash

Company is trash. I sent them all of my verification items and then they just closed my account with no explanation after saying i was filly verified. They are liars and their customer service is a joke and non existent. I would try somewhere else if I was you.

8 November 2025
Advance Financial - UT Online logo

Reply from Advance Financial - UT Online

Hi Chip. Thank you for your feedback. We’re sorry to hear we didn’t meet your expectations. If you’d like to discuss this further, please contact us at www.af247.com/contact/ so we can connect with you.

Rated 5 out of 5 stars

Quick and Easy

Amanda, the customer service rep that helped me was thoughtful, efficient, and competent. We completed the application quickly and completely and I was approved within hours. Also, your process, your website, your forms, etc., were clean and easy to understand.

4 December 2025

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