Advance America
Payday loans · also installment loans, money transfer, money orders · 2348 Fry Rd
★ 5.0 · 2,063 ratingsHours listed
Same-day moneySe habla español
Should you go here?
Well reviewed, but the loan itself is expensive.
Borrowers leave fewer bad reviews here than at 94% of Houston stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
2,063 ratings. Known for fast service. Known for explaining the terms clearly.
of its written reviews are 1–2★, a lower share than at 94% of Houston stores. 3rd of 13 Advance America branches here.
In fees on a $1,000 loan, at the Houston area average. Texas sets no cap on these fees.
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
From ratings and written reviews of this store, state fee data (OCCC, Q2 2026) and the chain’s own website. Checked September 2026. We don’t lend and no store pays us.
How it compares
Against every loan store in Houston and every other Advance America branch.
Rating
5.0Higher than 79% of Houston loan stores. City average is 4.4.
Lowest rated in HoustonHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 0% in 2026
What borrowers say
- Ask for Hilda or Kalyn
- Usually done in about 20 minutes
- Known for fast service
Counted in 1,666 written reviews. Bars: mentions per 100.
What borrowers appreciate
Work out what you’d repay
Payday lenders in the Houston area report an average fee of $17.46 per $100 for 17 days (OCCC, Q2 2026) — about $30.81 per $100 a month. Texas sets no cap on these fees, so ask this store for its own.
I want to borrow
and pay it back
You’d pay in total
$1,308
$1,000 you borrowed$308 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $308 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
Who they lend to
- An ITIN works instead of an SSN
- Prepaid cards aren’t accepted
At the store
Walk in, no appointment · Wheelchair access · Apply online first · Se habla español
From advanceamerica.net, checked September 2026
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Borrowers here mention: known for explaining the terms clearly.
- 2
What happens if I can’t pay on the due date?
Ask what a renewal costs and whether they call your employer or references.
- 3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.
Payday loans in Texas: how they work, your rights, how to get out →
Check the licence: OCCC licence search or call 800-538-1579.
Need $1,000 for 3 months? A credit-union loan could save you about $857.
A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.
Nearby alternatives
The closest real storefronts — at least two take a different route. Numbers match the map.
Been to Advance America?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Agradecida con esta agencia la atención de Alicia fue clara amable y concisa me prestaron en segundos todo es rápido y confiable gracias 🙏”
- “Adriana was awesome, she explained the process really well!”
- “Excellent experience to receive my loan, same day, and fast, Miss Alicia Palomino is a wonderful person, 100 % recommended 🤗”
- “Alicia is a very nice person and she is well respectful 🙏💖 Go and see her”
- “Excelente Servicio, muy amable, atención en español y respondió todas mis dudas”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Payday loans, and also installment loans, money transfer, money orders.
Part of a chain: Advance America has 27 locations across the Texas cities we cover — Houston (13), San Antonio (5), El Paso (4), McAllen (2), Laredo (1), Brownsville (1), Fort Worth (1). See the Advance America brand page.