# AF247 - Advance Financial 24/7 — user reviews > 47 indexed App Store user reviews of AF247 by Advance Financial, rated 2.80/5 from 155 ratings. - Source: https://appshunter.io/ios/app/af247-advance-financial-247/id1450238988/reviews - App overview in markdown: https://appshunter.io/ios/app/af247-advance-financial-247/id1450238988.md - Rating breakdown: 5★ 49 · 4★ 15 · 3★ 14 · 2★ 10 · 1★ 67 ## What do users think of AF247? Overall sentiment: negative **Pros** - 👍 Easy access to cash - 👍 Funds easily available - 👍 Simple and convenient - 👍 Life saver - 👍 Great service - 👍 Fast easy approval - 👍 Respectable company - 👍 Real employees - 👍 Friendly service - 👍 Customer service is great - 👍 Great experience - 👍 Simple and easy to use - 👍 Instant cash access - 👍 Quick and easy withdrawal - 👍 Easy to pay loan **Cons** - 💸 Extremely high interest rates - 💸 Predatory company - 💸 Rip off - 💸 Never ending battle - 💸 Absurd interest rates - 💸 Payments only interest - 💸 Eat you alive with payments - 💸 Daily interest - 💸 Pay three times the amount - 💸 Horrible app - 💸 Not worth it - 💸 Interest out of this world - 💸 450% interest - 💸 Terrible customer service - 💸 Awful customer service - 💸 Fraudulent practices - 💸 False advertisement - 💸 Misleading deception - 💸 High fees - 💸 Expensive - 💸 Only use as last resort - 💸 Takes forever to pay off - 💸 Not 24/7 - 💸 App issues - 💸 Faulty update - 💸 Scam - 💸 Fake ratings **Commonly reported bugs** - App is broken - App won't log in - App won't load - App automatically times out - App doesn't work 95% of the time - App glitches - App tells bank does not support instant deposits - App has issues depositing to bank - App request for 0 dollars - App faulty update - App not working after update - Endless loading screen - Cannot get security code on phone - Banking verification system broken - Cannot add bank account - Cannot complete application process - Website maintenance issue **Most requested features** - Fix app glitches - Improve app stability - Allow principal payments via app - Include weekends in 24/7 service - Fix banking verification system - Fix account creation issues - Fix login issues - Fix security code not received ## Newest reviews (16 of 47) ### 2/5 — Interes muy alto *2026-05-25, version 95(2)* No lo recomiendo el interes es muy alto para que de des una idea e echo 3 pagos con interes del 25% quinsenal ### 2/5 — Only use it if you’re desperate *2026-05-16, version 95(2)* You can get money but the interest rates are absurd. And the app is horrible. So many bugs, crashes, etc. ### 2/5 — Stay away unless you repay immediately *2025-06-25* Predatory company, stay away. They charge you 10% of balance as minimum payment, apply 10% of your payment to principal, 5% to interest, then 75% to their “customary fees” - which gets reported as interested paid rather than service fees. ### 3/5 — Undecided *2025-04-23, version 81.1.8* Really cool company but I’ve been having an issue that they told me what resolved in 48 hours and it’s still not resolved so I’m not sure ### 1/5 — Awful Customer Service *2025-01-17, version 81.1.8* I saw where a representative from this company responded that they have “world-class customer service”. This is an absolute lie. I have been on hold for over 2 hours. Not to mention, I keep getting hung up on before I ever speak to anyone. Each time I call, I get told they are looking up my phone number. Then, another message says that my wait time is 4 minutes. After 4 minutes, I’m told an agent will be with me shortly. Then, I never hear from anyone. The phone jus randomly hangs up after anywhere from 15-50 minutes. Probably because whoever is manning the phones just picks it up and sets it right back down. They will call you instantly when you want to borrow money, but don’t expect them to answer if you need anything else. I even emailed them. I got an automated email to call a certain number for emergencies. Same thing as before. What they’re trying to do is keep me on hold until the customer service center closes. 24/7 my butt. DO NOT BELIEVE ANY RESPONSE FROM THE REPRESENTATIVES TO THIS COMMENT. THEY WILL BE LYING! ### 1/5 — Updated You All Reviews *2024-10-09, version 81.1.8* I was just wondering if you all can updated your reviews because these reviews are over a year to four years old and It would help me out a lot if this was updated and I can give me honest updated thanks. ### 1/5 — Not worth it *2024-04-11, version 77.2.6* The money was needed, but using the app was absolutely awful. Didn’t work 95% of the time. So it’s an inconvenience when u have to go to a branch. And the interest is literally out of this world. Never again. ### 1/5 — Just like a payday loan in your pocket *2024-03-19, version 77.2.6* I’m deleting this app. The interest on these small personal loans is 450%. You can pay on them and not get anywhere. I just paid off way more then what I borrowed. Never again!!! ### 3/5 — Customer service *2023-10-01* This is ridiculous reply to my question with a phone number to call. Why not just answer the question? Call it the number received in the email to sit on hold for 30 minutes twice ! 2 days later still have not talked to anyone, no call, no text, no email back… this is exactly how I would not run my business!! ### 3/5 — Not 24/7 *2023-10-01* They should change the name it is a good loan company but don’t apply on a weekend because you will not get a response untill the first business day . That is why I only gave 3 stars . If it is going to say 24/7 then weekends should be included but unfortunately it is not ### 1/5 — Awful and fraud *2023-08-21* This company is awful I applied for a loan with another company which I was approved for not sure how this company got my information maybe shared with them from someone who worked at the other company but they kept taking money out of my account even after I sent over my bank statements showing I never received any money from them. After calling and telling them several times and stopping the transaction with my bank I finally had to close and reopen another account to get it to stop. Shame on you for not looking at my proof. You could have had a customer who would have paid you back just like I did the other company ### 1/5 — Terrible *2023-04-03* The process of getting the money was super easy. Don’t be fooled though. When they explained it to me on the phone they made it sound like there was a one time interest fee. Which was a lie. The payments are every two weeks and when you pay the minimum of 250 dollars plan on 49 of it going to the principal of the loan. I should have just left the debt on my card I paid off because the interest is way less and I would have been able to easily pay that off faster then this. So here I am stuck in a money put with these people. Just be Leary and don’t pull out more then you can pay off in one payment. ### 3/5 — Expensive, use as last resort *2022-12-17* The interest rate is extremely high. Only use this service if you need emergency cash for a few days. You will pay so much in interest you will never pay off the principal. The process was easy, the funds are easily available. Use with caution. After I pay mine off I will only touch for pure emergencies… ### 1/5 — Read the fine print *2022-11-19, version 1.7* Make sure you read the fine print I did not and I was paying back more each month then my rent and it was doing little to pay off what I owed. ### 3/5 — Great with occasional glitches *2022-07-04* First I’d like to say that this company is awesome in what it says it can do. I have been using the app for several years and it’s a great way to borrow some cash for the short term. I would NEVER suggest using it as a long term loan though. My favorite feature is that you can instantly dial up cash to your account in a pinch or until payday in a few days. But sometimes the app glitches and tells me that my bank does not support instant deposits. Very frustrating. I’ve call customer service a few times and they always blame it on my bank which is not correct. So I wait a few days and it’s back to working normally. If they could fix that, I would give them a 10 out of 10. ### 1/5 — DONT GET *2022-04-29, version 1.6.8* It was good when I needed the money, but when I paid it back, the INTREST WAS TERRIBLE!!! I probably paid my loan back 3 different times with all the intrest they charge. It was like never ending . I did it once WILL NEVER DO IT AGAIN!!!! RUN AWAY!!!!! ## Most critical reviews (10 lowest-rated) ### 1/5 — App is broken *2026-05-13* The website does not work every time I go into the website and try to click on something there’s a maintenance issue so I downloaded the app and the app won’t even log me in. It won’t even continue to load. Please fix this so that we can take care of our bills ASAP!! ### 1/5 — Do not use this app *2025-11-25, version 90(5)* You take out 1000$ and the payments are only interest; you never pay anything towards the principal, and they charge you like 200$ every two weeks, and you never see a difference.Don’t donit never… ### 1/5 — App *2025-11-21, version 90(5)* The app is horrible it automatically times out when you sign in ### 1/5 — Rip Off *2025-11-07, version 89(3)* Do not use this loan option it will have you making payments the rest of your life. And they work with you to make the payments but it will be a never ending battle. Better off working things out with out them. ### 1/5 — Trash *2025-10-21, version 86(1.4)* Trash app don’t waste your time ### 1/5 — Account creation problem *2025-09-28, version 86(1.4)* Can’t create an account why? ### 1/5 — DONT DO IT!!!! *2025-08-13* They fail to tell you everything you’re getting yourself into. They advertise like a credit card but they will eat you alive with monthly payments! Your borrow $800 and your interest rate will be $2000 and your monthly payment will be $800! But everyday interest will be added to the $2000! Your $800 payment will just be added to the interest but it goes up everyday. If you do a loan with them make sure you have triple the amount you borrowed and just pay it back ASAP! Because every month your payments change! Could be $400, then it’s $600 then it’s $800! BEWARE!!!! Again, they don’t tell you all this! It’s not even in their contract, if it is they got it hidden pretty well! ### 1/5 — Fatal *2025-05-10, version 84.1.6* Servicio fatal en todo sentido ### 1/5 — Broken banking system *2025-02-18, version 81.1.8* The banking verification system is broken, so there is no way to add your bank account and complete the application process. ### 1/5 — Highest interest rates ever! *2025-02-14, version 81.1.8* I would not recommend anyone to use this company. They have daily interest so doing this long term, you’re gonna end up paying three times the amount or more ## Most praised reviews (10 highest-rated) ### 5/5 — Completely Sot on *2025-10-26* This App is awesome! They are very easy to work with. It has been a relief on my part to have them on my side. Customer service is extremely kind. It is exactly what they say they are. No hidden agendas or surprises. ### 5/5 — I downloaded the app but I can't log in, I don't get a security code on my phone *2025-04-06, version 81.1.8* I downloaded the app but I can't log in, I don't get a security code on my phone ### 5/5 — Great company fast easy approval *2025-02-02, version 81.1.8* Great company ### 5/5 — They’re Definitely About it! *2024-07-09* So simple and So convenient. I would recommend this to ANYONE in Need! ### 5/5 — I called them for service instead of the app *2022-03-22* It’s a respectable company, with real employees, and friendly service. ### 5/5 — Great experience *2020-01-10* For me I have has a great experience with them never have a problem with the app or getting help on the phone simple and easy to use and to pay **Developer response:** Thanks for the review. We love hearing from our customers. ### 5/5 — Great service! *2019-12-29, version 1.3* Great service and a life saver they are not a scam!! Real company that lets you advance! ### 5/5 — Excellent *2019-11-29, version 1.2* Excellent ### 5/5 — App so much easier *2019-10-22* I love being able to check my balance and not have to call or go in to store. **Developer response:** We're glad the we could help, thanks for the review! ### 5/5 — Easy access to my cash *2019-10-18* Easy to use. I could get cash instantly from my account when I was in need. **Developer response:** That's great to hear, we're glad you're enjoying the app. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*