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5 164 reviews
Loan agency in Spencer, Iowa

1019 S Grand Ave Ste. 1, Spencer, IA 51301, USA
7 years in business
+1 (712) 262-3949

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South Carolina, United States

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Feedback about Advance America?

Here you grapple with the reviews of our customers.

Stephanie is amazing. She is always courteous and very personable. I recommend this place to anyone who needs a little payday help. They are great!

Gunnar Kutch III

I have had a great experience with Carnie Fitzgerald in spencer iowa just asking about a payday advance. Very polite very kind and customer friendly

Prof. Celestine Cummings

… you make ends meet. I haven't used all of the services they offer besides the payday loans, but I'm sure the ladies can help you with whatever you need. With a smile and …

Carter Smitham

Awesome staff and great service

Abigail Wisoky Jr.

Great customer service and very helpful staff.

Cristobal Adams

People that work in the Spencer store are good people

Mr. Damion Weimann

Brooklyn was the best. Definitely going to recommend her services.

Mr. Levi Kovacek Sr.

Awesome staff and great service

Cameron Schumm

Great customer service and very helpful staff.

Eleanora Nienow

They today did not deliver a small package and said "delivery attempted".

Dax Bernier DDS

This Post Office accepted my package @ 6:50am to be delivered to my home.

Miss Nedra Goldner

They always put my neighbor's mail in my mail box.

Emmanuelle Abshire

I even work in fast food and never give my customers the service I received.

Jessika Johnson

Best prices ever,very friendly staff willing to help you.

Dr. Easter Paucek

Our Church needed A PA amp and a keyboard for our 1st Service.

Jamaal Waters Sr.

Very pleasant staff, and awesome service!

Xavier Brakus

Love this place great stuff great prices deff keep coming back ☺

Adolf Frami

People and products are good

Ella Fahey

Cheryl was extremely helpful and answered all my questions perfectly.

Mr. Connor Pacocha Jr.

So im near another location and stop in to see if they can help me.

Mallory Howe

Great coffee and great service from the people who work there!!

Dr. Quentin King

I ordered a simple small white hot chocolate, and it tasted strongly of coffee.

Christina Shanahan

My wife especially loves the pumpkin spice lattes and I dig the mocha turtles.

Bart Skiles

Tanya was introduced to me by a friend as I was looking to refinance my home.

Dessie McClure

Tanya was amazing in assisting me as a first time home buyer.

Teagan Kessler PhD

She was very unprofessional and out dated on her knowledge.

Cassandre Bruen

Staff is easy to work with.

Kali Klocko

Very nice people to do business with .

Neva Morissette Jr.

Pay Attention

Above-specified info offers the details about a certain lender. Below-specified info is devoted to shared information about payday loans.

Payday Loans in Spencer, New York

The financial product called as a payday loan is issued for a short-lasting period: 2-3 weeks. $100-$1,000 is approved for clients.

Problem-free financial products are considered as payday loans in Spencer, ny. They are taken out at individual interest rates. They are dependent on customer's data. It is also important to pay back as much payday loans as possible.


25% small loan cap

How will Advance America help issue a loan in Spencer, New York?

  • 24/7 service. Such Internet services allow you to credit funds at any time. Funds are taken out around the clock. The loan will be sent to a bank account, so a personal visit to the store is not necessary.
  • No paperwork. The list of required papers is minimal. In most cases, an ID is needed. You do not need to send a certificate of income.
  • Online application. The application is filled out and reviewed much faster than in banks. Money is credited within 24 hours after receiving approval.
  • High approval rate. When it concerns to small amounts, a positive answer comes up 98%.
  • Availability. Banks provide loans at more stringent requirements on their customers. Age limits and bad credit will become barriers to taking out a loan. Lenders are more loyal to customers. The presence of minor delays and a bad credit does not guarantee denial.

What data to fill in in the application? - General Info

To leave an application, every customer should fill out the following data:

Loan Amount, Loan Purpose, Email Address
First Name, Last Name, Date Of Birth, Primary Phone Number, Driver's License Number, Your SSN
Zip Code, Street Address
How often do you get paid?, Next Paydate, Type of Account, How do you get paid?
Your Income Source, Are you in the military?, Your Employer Name, Your Monthly Net Income, Your Employer Phone Number
If you have $10,000+ in unsecured debt and would like one of our partners to contact you?, What`s your approximate credit rating?
Select your Bank, Select your Bank’s State, ABA/Routing Number, Account Number

After filling in an application, submit it and recieve the decision.

Why people take out payday loans?


Utility Bills


Healthcare Bills




Car Repair



What data to fill out in the application? - General Info

A negative factor considered by financial institutions is called as bad credit history. But this drawback is not reviewed as the only one by microfinance organizations to issue a loan. The lending company review many aspects such as financial capabilities to approve the request. Cash advance in Spencer, New York may help level up your credit history.

The following general points will be rated before applying for a cash advance:

  • be at least 18 years old;
  • be a U.S. citizen;
  • be employed and have a reliable source of income;
  • have a checking account;
  • have a valid email address and phone number.

Rate Your Credit Score

Low Rate


Lower than Average


  • No way to issue a loan
  • No ability to rent a room
Average Rate


High Rate


  • 80% of loan approval
  • Apply for all loan types
Great Score


Perfect Score


  • 95% of loan approval
  • Apply for all loans incl. mortgage

Rate your APR

If you are going to take out a payday loan, you should define its definite cost. This calculator will show the annual percentage rate of the loan.

APR Calculator

Other Payday Lenders in Spencer, Iowa

Raccoon Valley Bank

1009 Court St, Adel, IA 50003, USA

+1 (515) 993-4581


Iowa Bankers Association

8800 NW 62nd Ave, Johnston, IA 50131, USA

+1 (515) 286-4300


Bank of the West

7465 Ashworth Rd, West Des Moines, IA 50266, USA

+1 (515) 440-7440


Security Savings Bank

116 Main St #7596, Lehigh, IA 50557, USA

+1 (515) 359-2150


Edward Jones - Financial Advisor: Grant P McGraw, AAMS®

115 N Buxton St, Indianola, IA 50125, USA

+1 (515) 962-2704


Edward Jones - Financial Advisor: Jerry Woodin

203 E Bremer Ave, Waverly, IA 50677, USA

+1 (319) 352-6773


Fidelity Bank & Trust

424 E Oak St, Monticello, IA 52310, USA

+1 (319) 465-7010


Iowa Savings Bank

118 S 5th Ave, Coon Rapids, IA 50058, USA

+1 (712) 999-2271


Reliance State Bank

606 Broad St, Story City, IA 50248, USA

+1 (515) 733-4396