AF247 Review


3.2 rating

Foundation Year

Office Address
100 Oceanside Drive, Nashville, TN

Phone number



  • Not a payday loan
  • Online application and approval
  • Flexible terms
  • No collateral necessary
  • Variety of in-store services
  • 24/7 customer service
  • No late fees


  • Not available in all states
  • High interest rates
  • Little information online


Advance Financial is an online lender that offers fast FLEX loans to U.S. residents. Founded in 1996, this family-owned company is based in Nashville, Tennessee. It has 105 in-store locations throughout. In its Tennessee stores, consumers have access to loans, free money orders, free bill-pay, check cashing, $2 ATM services, NetSpend Prepaid cards, and Western Union wire transfers.

Advance Financial is one of the fastest-growing private companies. It has an A+ rating by the Better Business Bureau; and is a top-ranked workplace for compensation/benefits

What loans does Advance Financial 24/7 offer?

The lender offers short-term flex loans. Such loans resemble a line of credit combined with a short-term installment loan. These are revolving lines of credit. This means that you can continually draw from your line of credit for as long as you need.

Flex loan terms range between $2,000 to $4,000. If approved, you can withdraw from your line of credit as much as you need within the specified limit and only pay interest on the funds you borrow.

What terms and rates does AF247 offer?

The annual percentage rates vary by state, but they usually range from 240% to 360%.

The lender adjusts loan due dates on your pay dates.

Borrowers are not charged prepayment penalties if you decide to repay your loan early. Visit the company’s website to learn details about APRs and fees in the state where you live.

How to apply for a loan from Advance Financial 24/7?

To apply for a loan with this lender, you will need a photo ID and proof of income.

You can apply at an in-store location or online by following these steps:

  1. Visit and click the Get Cash Now button;
  2. Create a personal account or sign up with your Google, Facebook or LinkedIn account;
  3. Fill out a short application form;
  4. Submit it and wait for the lender’s decision.

If approved, you will get the money deposited into your bank account within a day.

How do I qualify for a loan?

When you apply for a loan with AF247, you need to meet the following basic criteria:

  1. be at least 18 years old (19 in some states);
  2. have a state-issued photo ID;
  3. have a verifiable source of income;
  4. have an open bank account in your name.

Can I pay a loan back earlier?

Yes. You can always pay your loan back at any time with absolutely no prepayment penalty.

Can I take a loan if my credit score is low?

Yes. Keep in mind that good credit may help you qualify for a higher amount and favorable terms. But even if you have bad credit, you can still qualify for a flex loan. This loan type is unsecured and can be an option if you even have no credit at all. AF247 may not require a credit check.

How to pay a loan back?

With this lender, you can pay your loan back in manageable payments over a set duration. These loans are as flexible as you need them to be.

You control your repayments: You can pay the minimum payment or repay it all at once.

Does AF247 have a mobile app?

Yes. The lender has a convenient mobile application that you can use anytime, anywhere. With this app, you can control your account and always know exactly how much money you have available.

AF247 mobile app can be used to check your available credit & credit limit, make loan payments, access funds anytime and anywhere, find out your balance, minimum payment & total payoff, access same-day funding, get 24/7 support, etc.

What states does Advance Financial 24/7 service?

Online FLEX Loans are available in Alabama, Delaware, Idaho, Kansas, Mississippi, Missouri, North Dakota, South Carolina, Tennessee, Utah, Virginia and Wisconsin.

Installment loans are available in Mississippi, Texas and Wisconsin.

In-store services are available throughout Tennessee.


If you need short-term loans o a regular basis but don’t qualify for a credit card, a flex loan from AF247 could be a good solution. It allows you to borrow cash when you need it, and gives you time to repay it, unlike a payday loan. However, the lender operates in a limited number of states.


2.0 rating

Got denied with no explanation. The site is easy to navigate. And my friend just received a yes. I didn’t. Why? No idea.

Anthony Rollings
5.0 rating

Very satisfied with the service, love the way they treat their customers. The lady walked me through the process and explained everything in detail. She answered all my questions right away. I would recommend this website to others.

Annie Carroll
3.0 rating

Their interest rate is very high. So take a flex loan only if you really need it. Advance Financial can be a real lifesaver in a financial emergency. They approved me within 10 minutes.

Janet Allen
4.0 rating

I have a flex loan from this lender. They are very professional and friendly. They are 100% transparent. Rates are high, but if you’re in need of fast cash this is the best place to get it.

Norma Randolph
1.0 rating

These guys are heartless, they don’t care about their clients. NEVER DO BUSINESS WITH THEM!

James Camacho

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