Advance Financial Check Cashing-Fastest Way to Cash Checks in 2024

Advance Financial Check Cashing services offer instant check cashing at a very cheap rate. To cash a check all you need is a valid ID and the check. 

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If you are from Tennessee or Mississippi, you must have heard about Advance Financial. Apart from their instant loan services they also offer 24/7 check cashing. Moreover, Advance Financial Check Cashing services provide instant cash, there is no limit and the fees are minimum. Sounds too good to be true? 

Well, they are because I personally tried it. So, in this post, I will provide an in-depth guide on Advance Financial Check Cashing and answer all the related queries. So, stay with me till the end. 

Does Advance Financial Cash Checks?

advance financial check cashing

Yes, Advance Financial cash checks. According to their website, AF247 check cashing services are open  24/7 and 365 days a year. So, you can go there anytime and cash checks. But what do you need to cash checks at Advance Financial? 

Required Things To Cash Checks at Advance Financial

To use Advance Financial 24/7 check cashing, you will require only two things

  1. A Government Verified ID Card
  2. A Check On your Name

Advance Financial accept all type of government verified ID such as

  • State ID
  • Passport
  • Driving license 

In case you have lost your ID then they sometimes accept your work ID too. But it’s rare and needs a lot of convincing. So, what type of checks do Advance Financial check cashing services accept?  

Type of Checks that Advance Financial Check Cashing Services Accept

Advance Financial check cashing services accept almost all types of checks. Such as 

  • Government Checks
  • Tax Refund Checks 
  • Payroll Checks 
  • Insurance Checks
  • Cashier’s Checks
  • Personal checks 
  • Money orders

Moreover, some of their locations also accept third-party checks. However, before going to one of their locations please call their support number and make sure that location accepts third-party checks. 

Now let’s have a look at how much does advance financial charge to cash a check

Advance Financial Check Cashing Fee

The below chart will contain how much is it to cash a check with advanced financial for different types of checks 

Check TypeMinimum FeeRate
Government Checks$21% – 2.99%
Tax Refund Checks$21% – 2.99%
Payroll Checks $31% – 2.99%
Insurance Checks$51% – 5%
Cashier’s Checks$51% – 5%
Personal checks $510%
Money orders$510%

These are the latest fees for 2023. However, fees can change over time. So, check out their website before going to their location. Moreover, you can join their membership program for a maximum fee of $10/month and cash as many checks as you want. 

Compared to other check cashing stores and retail shops Advance Financial check cashing fees are much cheaper. Moreover, you will get instant cash. But what about the check cashing limit?

Advance Financial Check Cashing Limit 

The best thing about Advance Financial Check Cashing is that there is no limit to check cashing at all. You can cash as many checks as you want no matter how big the amount is. 

Most check-cashing retail stores cap checks at $5,000. As a result, it’s quite hard to cash checks exceeding the $5,000 mark. Though local check-cashing stores accept checks exceeding $5,000. But the fees are too damn high.

So, Advance Financial check cashing services can be your go-to check cashing place for high-amount 24/7 check cashing. 

By now we have found out everything you need to cash checks at advance financials. So, it’s time to look at some FAQs. 


Here are some of the frequently asked questions related to advance financial check cashing. 

Does Advance Financial Cash Handwritten Checks?

Advance Financial cash all types of checks including handwritten checks. However, the handwritten checks must be in your name. As handwritten checks fall under the category of personal checks and they are hard to verify. So, the fees will be 10% of the amount which is a bit higher than regular. 

Where Can I Find Advance Financial Near Me?

Advance Financial has 105 physical stores in Tennessee and Missouri. Moreover, they now operate in 22 states. So, if you are new in Tennessee and Missouri, then use your Google or Apple Maps and search  Advance Financial Near Me. You will find a store in no time.

Will Advance Financial Cash Loan Checks?

Yes, Advance Financial will cash your loan checks for you.  As they accept all types of checks and there is no limit. So, they will cash your loan check too. However, the check has to be in your name and you will require a photo ID. 

Will Walmart Cash Loan Checks?

Yes, Walmart cashes loan checks up to $5,000 at any of their Walmart Money Services desks or customer service desk. However, they only accept pre-printed checks and the fees will depend on the amount. You can find their check cashing time, fees, and requirements at Walmart’s check cashing policy

Can You Cash A Loan Check At Any Bank?

Yes, you can cash loan checks at any bank or credit union. But it’s better to cash them at the issuing bank or in a bank that you have an account on. Because other banks will take time to verify the check and may not offer cash instantly. 

On the other hand, if you cash at your bank or the check issuing bank then it will be faster to verify the check and fees will be much lower and even free. As some banks offer free check cashing for their customers. 

In Summary

Though Advance Financial is known for its instant payday loan services. However, Advance Financial check cashing services are a great value-for-money experience too. Because they offer instant cash, open 24/7, accept all types of checks, have no limit, and fees are quite low.  

Moreover, they have a great rating on Trustpilot. So, Advance Financial is definitely recommended for seamless check cashing. 

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