Precision
at scale.
Advance America was founded by a team of former quantitative underwriters from Goldman, Two Sigma, and Discover — engineers who believed personal lending deserved the same rigor as institutional capital markets, at a fraction of the friction.
To compress the distance between an individual's ambition and the capital required to execute it — priced fairly, disclosed completely, funded in hours.
Forty-two engineers, twelve underwriters, and a compliance team that reads every disclosure line before it ships.
Underwriting Engine
Two thousand-plus signals scored against real-time bureau data. Every model is stress-tested weekly against the previous decade of default cycles.
Liquidity Network
Committed capital from pension funds, insurance balance sheets, and family offices. Rates stay stable through cycles because our funding does.
Compliance Rail
SEC- and CFPB-aligned policy discipline embedded into every product. Every disclosure passes a three-desk review before issuance.
What we
refuse to do.
- No origination fees
The rate you're quoted is the rate you pay. No 4% deducted before funding.
- No prepayment penalties
Pay early, pay any amount, pay off in full — never a cent of penalty.
- No teaser rates
Every APR is fixed at issuance and printed on page one of the disclosure.
- No data resale
Your application data is never sold, brokered, or shared with third-party marketers.
A decade of fixed pricing.
Founded in Brooklyn. First personal loan funded.
$1B milestone. Series C led by Coatue.
Launch of the Business Liquidity rail.
850K members. 50-state coverage.