Advance America in Manitowoc, WI is a financial service with more than 2,000 stores in the US. The company specializes in payday loans and other short-term types of credit like installment and title loans. Their installment loan product works like a personal loan, as you can repay it in over 36 months.
One of the benefits of using Advance America in Manitowoc, Wisconsin, is that you can receive cash quickly, and if there’s a store near your location, you can get it instantly. With Advance America payday loans in Manitowoc, WI, you don’t need to provide collateral, making this one of the most accessible products by the company.
Also, borrowers are not required to have excellent credit, which means people with bad credit will still get cash if they meet the basic requirements. You only need to provide proof of income and a few other papers to get approved. Your income helps the provider calculate your eligibility and know the maximum amount you qualify to receive.
Benefits of Getting Cash From Payday Loan Direct Lenders
There are many reasons you should opt for a direct lender like Advance America in Manitowoc, WI, when you need money quickly.
- Flexibility – One of the benefits of working with Advance America payday loan company in Manitowoc, WI, is that you get flexible terms. You can negotiate the ones that suit your needs. For quick cash, you can apply for a payday loan, but for something that you can repay in installments, you can use a title loan or an installment loan.
- Get Cash Fast – Choosing Advance America payday loan in Manitowoc, WI, helps you get money when you’re in dire need of it to address an emergency. Typically, payday loan lenders will approve your request about 20 minutes after you submit it. Once approved, you can expect the cash in your bank account within 24 hours. If you apply at a physical location, you can walk home with the money.
- Fewer Documents – Unlike banks, Advance America in Manitowoc, WI, does not require many documents to approve your request. The company asks for proof of income and a few papers to prove your age and citizenship. This means you can apply for the loan in under 10 minutes, and thanks to the simplified procedure, get approved in less than 20 minutes.
- Get Approved With Bad Credit – When reviewing your payday loan application, lenders do not consider your credit rating. They use different criteria, including your income, to know how much money you should get.
How Advance America in Manitowoc, WI Works
Advance America in Manitowoc, Wisconsin, offers in-person lending and online loans at over 1,400 physical locations. The company provides installment, payday, title loans, and other personal lines of credit to people who don’t have a perfect credit history. For payday loans, the company approves amounts from $100 to $1,000, depending on one’s needs and ability to repay.
The provider is legitimate and licensed to offer loans in stores and online. You can access cash from your home by applying through the loan application system online. On the website, there is a form to fill out, which requests various details, including your name, contact information, bank details, and proof of income. These offers are available for different needs, as the lender does not place restrictions on using the cash.
Common Uses of Advance America Payday Loans in Manitowoc, WI
There are different reasons you might want to contact Advance America payday loan in Manitowoc, WI. These include addressing emergencies or working on projects you’ve had in mind for a while. Here are some ways people use money from payday loans.
- Redundancy – When you’re suffering from unemployment, it can get financially and emotionally stressful. One solution to this is finding a way to get quick cash to sustain your needs while you look for your next job. A payday loan will come in handy. While lenders require proof of income, you can still get approved if you receive unemployment benefits, pension, or any other type of income.
- Home Improvement – You could also address Advance America cash advance in Manitowoc, WI, to upgrade something in your home. This boosts your house value and helps you cater to problems that might escalate and cost you even more to fix.
- Debt Consolidation – A payday loan can also help you pay off another debt. This solution is suitable if the company is giving you a cheaper rate compared to your existing debts.
- Car Repair – When your car breaks down and you don’t have enough cash to fix it, you can always use a short-term loan from a direct lender to address the problem. Payday loans offer you quick cash to have your vehicle repaired.
- Hospital Bills – A medical emergency can wreak havoc if you don’t have health insurance or some savings. One of the fastest solutions would be a payday loan, which offers instant approval.
How Much Interest Does Advance America Charge for Payday Loans in Manitowoc, WI?
It’s advisable to check Advance America fees before you apply. Since the company is operational in different states, rates vary depending on the state you live in. While requesting the loan, you are to provide your zip code to be matched with the right Advance America payday loan rates.
On average, you can expect to pay 15% to 20% in interest. So, if you borrow $500, you should have between $575 and $600. In some states, the loans can offer up to 530% APR. Confirm these details to ensure you’re getting the right deal.
Requirements for Advance America Payday Loans in Manitowoc, WI
When searching for ‘Advance America near me in Manitowoc, WI,’ you want to ensure you meet the basic requirements to get approved. Some of the things you need include:
- Proof of income – pay stub or other documents to prove your source of income
- State issued ID – to prove citizenship and that you’re at least 18 years old
- Contact information – email address, phone number
- Active bank account
There could be additional information depending on the state you reside in. Check the lender’s terms to know which papers to prepare.
How to Apply for Payday Loans With Advance America in Manitowoc, WI?
You can apply for a loan at one of Advance America locations in Manitowoc, WI, or online using the website. Here’s the procedure:
Fill out the Loan Application Form
There is an application form that you can complete online or at their physical location. Fill out all the fields and submit this information for review.
In 15 minutes after sending your application, you’ll get feedback. Thus, you would know if your request was accepted.
This helps the lender confirm you read the loan’s terms and agree to them.
Lastly, the company will transfer cash to your bank account. This could take about 24 hours, but you can get same-day cash transfers in some situations, so contact them to make this clear.
Should You Choose Advance America in Manitowoc, WI?
Some of the reasons you should apply for a loan at Advance America are quick approval, accessibility in many states, and excellent rates. Besides, their platform is secure, and there are different products to choose from.