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Advance America Class Action Settlement
By Matt O’Donnell

Advance America

Consumers who got a payday loan at Advance America or National Cash Advance in North Carolina on or after March 1, 2003 can expect a check in the mail the beginning of next year, thanks to a class action lawsuit settlement.


The North Carolina Advance America settlement resolves a 2004 class action lawsuit that accused the lender of charging illegal fees and interest rates as high as 450%. North Carolina law caps interest for these types of loans at 36%.


Advance America had already stopped lending in North Carolina as a result of an investigation by the North Carolina Attorney General’s Office and the North Carolina Office of the Commissioner of Banks. North Carolina AG Roy Cooper has been actively pursuing payday lenders who engage in illegal lending practices and has been forcing them to cease operations in the state. Filing class action lawsuits against them to recover funds for illegally charged and overcharged borrowers is part of his plan of attack. Three other major payday lenders in North Carolina — Check Into Cash, Check N Go and First American Cash Advance — previously reached a class action settlement agreement to stop making illegal payday loans in the state.


Advance America, the country’s largest payday lender, has agreed to pay $18.75 million to settle the class action lawsuit. More than 140,000 North Carolina consumers who got a payday loan at Advance America or National Cash Advance on or after March 1, 2003 will receive payments as part of the proposed class action settlement. If you’re one of these consumers, you do not need to file a claim to be able to participate in the settlement and receive a check. If the settlement is approved, checks will automatically be mailed to all class members who can be located, beginning the first half of 2011.


An attorney for the plaintiffs said four other major payday lenders in North Carolina who took tens of millions of dollars in illegal fees from consumers are currently in litigation now. Advance America recently settled another class action lawsuit in South Carolina in August. Consumers in South Carolina are expected to receive checks for $100 from that class action lawsuit settlement, which included 16 other payday lenders.


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Updated October 1st, 2010


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  • Anonymous June 13, 2011

    Advance America Class Action Settlement
    I wanted to know if I would be getting a settlement at some time in the future from advanceamerica cash advance settlement? My sister got hers today and she called me. It would be a blessing to recieve one. Thank you.

  • Anonymous June 14, 2011

    Advance America Class Action Settlement
    Will I be getting a settement my friend got her today

  • Anonymous June 14, 2011

    Advance America Class Action Settlement
    I lived in NC from 1999-2005, I used Advance America. How

    will I receive a settlement from the law suite since I no longer

    live in NC?

  • Anonymous October 3, 2011

    i lived in north carolina but now live hampton va. i was there from 1999-2009

  • Anonymous October 22, 2011

    i was wanting to know if i would be getting one

  • Anonymous October 24, 2011

    Will I get some money to

  • Anonymous January 11, 2012

    I received a check from this settlement yesterday. From what I read in the letter, there were ~137,000 checks mailed out, from a settlement of $8,500,000.00. The checks MUST be cashed/deposited by March 6, 2012. It did mention that there were some people that could not be found, and their settlement, along with anyone who doesn’t cash their check on time, would be lumped altogether and then split between the people who did cash their checks. Said it would come out in the 2nd quarter of this year.

    Btw, the amounts on the checks range from $10 to $520. Depends on the amount you paid in fees.

  • Anonymous January 19, 2012

    I got one 2 weeks ago in the amount of $51.00. Wonder how much the final one will be, if it it an $18 million lawsuit shouldnt the payouts be more that $10 to $500? Where is the rest going? I know the lawyers receives over $6 million but that is subtracted for the $18 million isn’t it? I am thinking the final one should amount up to in the thousands.

  • Anonymous March 19, 2012

    I receive a letter stated that an Kings and Strong v. Advance America,et al. on 2009 in july
    . i had not hear any thing for the settlement i read some thing about an order been issue out 8,500,000,00 an it stated check must be cash before 3-6-2012 . i had not receive a check yet an my claim number is 8003021 i submitted my claim online 7-14-2009. my name is merita thomas address 2407 fripp terrace , riverdale ga. 30296 phone number 404-723-2942 please call an let me know what the static on settlement refund to me. thank you

  • cathy boyd January 21, 2013

    I recevied a letter a while ago, but havent heard of nothing yet please e-mail me and let me know the status and if i should have receive a check.

  • Jessica Herlin August 30, 2013

    hi I received a letter from tahisha king and James e. strong of a civil action concerning advance loans on 2009. but moved to texas and never heard anything else. was a customer with them for a long time too. what was the lawsuit concerning.

  • CHARLENE M. DAVIS December 2, 2013

    I would like to opt in on the class civil action for advance is my address -2513 mississippi ave.

  • marzell jack November 26, 2014

    I received a phone call from a law firm saying that I get a payday loan from them back in 2009 and did not pay it back now they talking about taking me to court i don’t own them anything

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