Advance America offers different types of loans to help people get cash quickly, including payday loans, cash advances, installment loans, and title loans. Payday and cash advance loans are short-term, usually repaid within a few weeks, while installment loans let you repay over time with fixed monthly payments. If you have a loan with them, you might see payments or billing related to repaying these loans based on the loan type. They focus on being clear about how repayments work and want customers to know these loans are for short-term needs, not long-term solutions.
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Based on user reviews and complaints, cancelling a subscription or resolving account issues with Advance America is moderately difficult due to long wait times, limited customer support availability, and unhelpful corporate office interactions. The process is not impossible but requires persistence and dealing with customer service challenges.
Estimated Time
On average, it takes
15 minutes
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minutes to cancel a Advance America Loan subscription.
How to Cancel Advance America Loan: Step by Step
If you purchased through Credit or Debit Card:
- Log in to your bank account associated with the card used for the subscription.
- Navigate to the transactions or payments section.
- Look for the subscription or recurring payment related to Advance America.
- Select the option to manage or cancel that subscription.
- Confirm the cancellation according to your bank's process.
If you purchased through Mobile App:
- Open the Advance America mobile app on your device.
- Log in to your account.
- Navigate to the account settings or subscriptions section.
- Select the subscription you wish to cancel.
- Follow the prompts for cancellation and confirm.
If you purchased through Customer Service:
- Contact Advance America's customer service directly at their support number.
- Request to cancel your subscription or membership.
- Provide necessary information such as your account details for verification.
- Confirm the cancellation with the representative.
Tips & Tricks for Canceling Advance America Loan
- Immediately revoke ACH authorization with your bank to prevent automatic withdrawals.
- Use clear, firm language in chats or calls like "I want to revoke ACH authorization" and insist on this repeatedly.
- Be prepared for resistance and continue to escalate politely but firmly if the company tries to delay or offer extensions.
- Allow a payment or two to become overdue to negotiate from a position where settlement might be possible.
- Request a settlement offer once payments have been missed as some users report better negotiation outcomes this way.
- Use multiple communication channels like chat, phone calls, and emails to document your cancellation efforts.
- Time your cancellation attempts strategically near the end of your billing cycle or just after a payment to avoid immediate withdrawals.
- Document every interaction for evidence in case of dispute.
- Consider deleting or uninstalling any related apps after the cancellation is confirmed to avoid confusion or accidental reactivation.
Advance America Loan Customer Service Info
If you need assistance, here's how you can get in touch with Advance America Loan's support team.
Cancel Advance America Loan Script
Script
Copy
Dear Advance America Customer Service,
I hope this message finds you well. I am writing to request the cancellation of my subscription with Advance America. Due to unforeseen financial circumstances, I am unable to continue with this membership and would appreciate your assistance in processing this cancellation.
Please confirm the cancellation at your earliest convenience. Thank you for your prompt attention to this matter.
Best regards,
[Your Name]
Frequently Asked Questions
Advance America allows you to repay your Payday Loan before the due date without any prepayment penalties, and in some states, you may receive a partial refund of the loan fee. If you can't repay on time, they work with you to establish payment arrangements and follow fair collection practices. You can also rescind the loan within a certain time period by returning the full loan amount according to applicable state laws and their rescission policies.
To cancel your Advance America Loan subscription, you will most likely need your password as cancellations and account management typically require logging into your online account. If you do not remember your password, you can reset it using this link: https://online.advanceamerica.net/Account/RecoverPassword. Alternatively, you can contact their customer service at 877-505-0701 for assistance, which may include help with cancellation without a password. This phone support can help if you are unable to access your account online.
- High interest rates often around 400% or more make repayments difficult.
- Debt trap created by loans that must be renewed or replaced with fees each time.
- Electronic withdrawals that only cover interest, leaving principal unpaid.
- Insufficient funds fees due to bounced repayment checks.
- Difficulty repaying loans alongside other expenses leads to cancellations.
- Unrealistic loan terms that borrowers cannot meet.
- Predatory lending practices including upfront advance fees without guaranteed loans.
- Threat of vehicle repossession on auto title loans.
- High fees on tax refund anticipation loans that must still be repaid.
- Fear of losing collateral like homes or vehicles due to default.
- Unlicensed or fraudulent lender concerns.
Advance America does not appear to lock you into contracts or subscriptions that prevent immediate cancellation or early repayment. You can typically pay off your Payday Loan early without pre-payment penalties, and in some states, you might even receive a partial refund of your loan fee. However, be aware that if you cannot repay on time, they may offer extended payment plans depending on state laws, which could prolong debt repayment. There are no explicit gimmicks or fees for canceling a membership or loan, but the key pain point is managing repayment on time to avoid prolonged debt or additional fees.
Before cancelling a loan or membership with Advance America, understand that you generally cannot skip or defer payments unless enrolled in a repayment plan by them. Cancelling means you will lose access to your line of credit and any associated payment arrangements. You need to contact their support at 1-877-505-0701 for assistance or if you anticipate issues making payments. Additionally, if you have an online account, changes to bank information require prompt submission of documents for verification, and payments are typically automatically deducted unless otherwise arranged.
- Full name associated with the loan or account
- Current address on file with Advance America
- Account or loan number
- Date of cancellation request
- Contact phone number
- Email address used for the account
- Government-issued ID (driver’s license, etc., for identity verification)
- Details of the recurring payment you wish to stop (amount, date, payment method, ACH authorization copy if possible)
- A written notice/letter revoking payment authorization (if stopping automatic payments)
- Signature to authorize the cancellation
- Bank account information (if notifying your bank to stop ACH withdrawals)
- Proof of most recent payment or bank statement
We've actually written a step by step guide on how to get a refund from Advance America Loan. Check it out!
The Easiest Way to Cancel Advance America Loan
If you’re frustrated trying to cancel your subscription, membership, or bill from Advance America Loan—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Advance America Loan?
ADV AMERICA, ADVAMERICA, ADVANCE AMERICA, ADVANCE AMERICA A, ADVANCE AMERICA B, ADVANCEAMERICA.NET, ADVANCEAMERICA NET, ADVANCEAMERICA, ADVANCEAMERICA NET PAYMENT
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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