Avoid Advance Financial at all costs if you are in an emergency. I specifically selected 'Instant Funding' for my loan, expecting the money to hit my debit card immediately. Instead of notifying me that the debit card transfer failed or giving me a prompt to cancel, their system automatically defaulted to a standard ACH checking deposit without my consent.
I called them literally one minute after the loan went through to fix their error, and they flat-out told me they 'couldn't do anything.' Now, my money is trapped in a 2-5 business day banking limbo while my account is sitting at -$400. Because they didn't have the decency to show a 'Transfer Failed' message, I'm now facing hundreds of dollars in overdraft fees and have no way to access the funds I'm paying interest on. Their 'Instant Cash' claim is a total lie designed to trap you. Use a physical storefront instead.
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