Anonymous
map-marker Memphis, Tennessee

Terrible do not do

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I really wish I would have read the comments before moving forward. I was so in need of help to pay my bills I applied for the loan. My original loan was 1500 and I used that to pay my rent. I been paying everything on time every two weeks. I ended up getting and extra 300 dollars off. My payments raised up to 330$ that I been paying on time every two weeks. A balance going in as 2000 my balance now is 3400. I don’t understand how I been paying for a almost a year now and nothing has changed everything just went up. I can’t afford to keep paying them. They keep taking from my bank account having me in the negatives where I can’t even afford to pay my bills. I don’t know what to do I am in the process of opening up another bank account to be able to maintain who is coming in and out of my bank account. So this is a temporary fix to catch up on my bills but I don’t want to keep having my interest go up since they want be getting any payments or get order to court. I want to get a prepare card to where I can add money into it and pay them from there so they want put me down as a delinquent. But I heard it has to be from a bank account. This company is horrible they is not understanding or willing to work with you. If I knew everyday adds interest and that no matter how much I put towards my account my balance will not change I would have never done it. DO NOT DO NOT DO NOT apply for this. They will put you in debt and have a smile on they face while doing it.
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4 comments
Michaela Joyce C

Hello how to get out of this? What will be the procee if this will be taken to court? Please someone help me im new to usa.

Michaela Joyce C

Hello how to get out of this? What will be the procee if this will be taken to court? Please someone help me im new to usa.

Guest

THANKS FOR THE HEADS UP!

Guest

Wig is the best way possible that you could send me some more to get a hold of your face and your family have it in a hold

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Brian D Kqm
map-marker Morristown, Tennessee

Do not use this business

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I have had an account at the Morristown Tn office since the first of this year which i had never been late or missed a payment until a month ago. When i seen i would not be able to make that payment i called a week before the due date to make payment arrangements that i was told was like a deferment with a legit loan company only to find out when i went to the office to make that payment they said my payment was double the normal payment when i asked thw young lady at thw counter why this was she told me because i missed that one payment but i could pay the normal payment and she would put in a promise to pay so thats what i did. How ever i work in collections and it bothered me to think i was pass due so i called and spoke with the billing department to get this fixed i was on the phone for what seemed like forever with the girl and got nothing but a run around so i asked to talk to her supervisor that put in a promise to pay for Monday then she gave me the run around as well so i asked her to have her boss contact me which never happened. So as i said the promise to pay was to be set for monday then they dafted the money from my account on Friday 3 days before it was to be taken out i called them on sunday and once again got the run around now i cant pay my rent and will be evicted. I explained to them i am a single father and they have now made my kids and myself homeless. How ever this was fraud and they did not have the autthoriztion to draft it from my account on that day. So i am going to the Morristown police office and file charges againist them as well as going to the better business and file a complaint. As i said before i work in collection and know the collection laws by heart. What they did is against the law and fraud. Cant wait to see you in court. Again thanks for putting my kids and i on the streets. DO NOT USE THIS PLACE FOR YOUR OWN GOOD PLEASE!
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Anonymous
map-marker Mount Juliet, Tennessee

Tried to make arrangements according to what we co

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Tried contacting them to pay past owed wife no longer able to work my income covers rent car note utilities n food n insurance car n health n wifes n my meds .they had 3rd party say i nd to meet them somewhere to pick papers up ? When i asked if they could fax papers to clisest advanced financial said no ?? Asked if i could set up affordable arrangements replied no ?A person nds to have a roif n food #1 n meds n basics i would be willing to make affordable arrangements without going into *** !But still be able cover rent etc

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1 comment
Guest

Thank you for making us aware of your situation. Our customer relations department would love the opportunity to discuss this with you. Please email us at reviews@***.com with your contact information and we will contact you ASAP.

Anonymous
map-marker Mount Juliet, Tennessee

Highway robbery

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They have been charging me 900 dollars per month for 6 months in interest only. I feel like I will be paying them the rest of my life dor for a loan of only 3000 dollars.
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Tiffany H Lgd
map-marker Columbia, Tennessee

Extremely upset

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If you get behind and tell them that you will pay your balance but you are not sure when you will be able to because of current events, expect to have two full payments go through despite your verbal explanation or authorization to do so. I know calls are recorded and I know what I told the lady I spoke with yesterday, today I had two people tell me I did not promise to pay when I know that in fact I did. Now I may be evicted from my home because now I cannot pay my rent thanks advance financial I will never use you again, ever. I cannot express how truly angry and disgusted I am I wish there were existing words to express myself but obviously what I say don’t make a difference anyway.
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4 comments
Guest

Stop paying. Then, save up and come back later with a settlement offer.

Guest
reply icon Replying to comment of Guest-1553387

Did they report u to the credit bureaus in the process of waiting for a settlement offer?

Guest

Stop paying. Then, come back with a payoff offer.

Guest

Totally disgusted with this company!!

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Adam B Kyn

I am on board with a class action lawsuit

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Count me in on a lawsuit. These sharks prey on the poor and will take everything you have!
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Anonymous

Consumer Issues

It is overwhelming to feel that you will never be able to pay a loan off and be done. I absolutely regret getting roped into using this and I am in worse shape than I was to start. Is no way to make arrangements to pay the amount owed before court and garnishings. I would just like to make some arrangements other than paying nearly $300 payments every two weeks.
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4 comments
Guest

Like I've said to others, you have to stop making payments altogether. Save up & do a settlement offer.

You'll have to pay around %70 of the balance, but it's nowhere near as costly as doing payments. I was in the same spot. I made on-time payments for almost a year.

My balance never went down. So, I closed my bank account & did a settlement.

Guest
reply icon Replying to comment of Guest-1566853

Not sure if you will get this question since you are anonymous. Did they ever report you late to the credit reporting agencies? Did the interest stop after you were in default?

Michaela Joyce C
reply icon Replying to comment of Guest-1587729

Same question. Did you find answers? Pls help me im new here in usa?

Michaela Joyce C
reply icon Replying to comment of Guest-1566853

How to make a settlement? What will be the step? Pls help me im new in usa.

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James D Irs

RIP OFF!! Borrower Beware

Took out $3,000. Payoff amount is 4222.32 Outrageous! We’re charged $25 a day interest that’s $750 a month with a minimum payment of 668.84 we aren’t even paying the interest per month. Do not borrow from these crooks!
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JOSEPH G Awn
map-marker Kingsport, Tennessee

It sucked this company is bs

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I was told no credit check or collateral but get there and get turned down I make 1600 a month and they after spending hrs there I get turned down bs
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Anonymous
map-marker Nashville, Tennessee

What’s the point?

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I had a line of credit through advance financial of $700. I had a balance of $4 go unpaid for 3 months because I had my wallet stolen therefore had to get a new debit card. They told me I could face a lawsuit as well as never be able to apply for a loan through the company again.
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Lejuan Uqg

Pay Off $1,174.44 Then after payment it's still $1,166.56

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It's as if a group of people got together & thought of the worst deal possible. For me, it started out with a small loan.

I believe it was around $400. The payments were low & my balance did go down. That situation is there to lull you into a false sense of security. If your borrowed amount becomes greater than around $500, it's nearly impossible to pay it back.

Out of my payments of $122.80 only $11.90 is being applied to the principal. I ended up vacating my bank account & started using another one I had already. If you have a loan with these people, make sure to have another bank account.

I've dealt with many online lenders & this is clearly the worst. These people will have you selling off all of your belongings.

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Reason of review:
Problems with payment
2 comments
Michaela Joyce C

Hello how to get out of this? What will be the procee if this will be taken to court? Please someone help me im new to usa.

Soleil Euw

We take pride in giving our customers the best service possible and hate that you have had a negative experience. We would love the opportunity to make this situation right. Please send your contact information to reviews@af247.com and someone will reach out to you to work on resolving your issues.

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Maryland L

Unfair lending practice contract dispute

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The contract does not reveal the manor in which principle and interest are divided. Consumers must be made aware of this and the total amount paid to lender at maturity of loan.Which fairly allows consumer to see dept of loan.
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Reason of review:
Problems with payment
Anonymous

Please don’t

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This is predatory loan and if you can not afford to pay it back immediately interest at 350% will kill you. They are no different from a payday loan do not let the term flex loan fool you
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lacey Bco
map-marker Chattanooga, Tennessee

Store # 59 Sophie is the best

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I came in last night and was traveling from our vacation. Lost my card. Sophie was very helpful answered all my questions. She was very friendly and assuring. I will recommend anyone to come in to Store #59 Brainered Rd {{REDACTED}}
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Reason of review:
Good customer service
Anonymous

Waste of time!

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Zero information give on the exhausting process of obtaining approval. Spent hour spin hours and had to call company repeatedly to get status updates. Finally gave up and asked to have application withdrawal.
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2 comments
Lejuan Uqg

Don't do it. A simple $500 loan can end up costing you like $5,000 or even more.

They'll start debiting your bank account repeatedly if you ever miss a payment. They do accept settlements.

Although, if anyone thinks they'll be able get out of it easy, they're wrong. I was able to get out of mine through a settlement.

Michaela Joyce C
reply icon Replying to comment of Lejuan Uqg

How did you get out of it? Please help me im new here in usa

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