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Advance America

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Advance America, Cash Advance Centers, Inc.

Consider Advance America for meeting your personal and professional goals!

We're the nation's leader in the payday advance industry with over 2,800 centers in 37 states and still growing! We can offer challenges and opportunities that others can't match.

Benefits We Offer:
• Life/Health benefits
• Closed Sundays
• 401(k)
• Paid vacation & holidays

Our Creed:
• Respect Your Customers: Treat them with dignity and courtesy at all times.
• Respect Your Associates: Treat them as you would like to be treated.
• Respect Yourself: Work hard & use good, ethical judgment in everything you do.
• Respect the Law: It is there to protect us and our Customers.

Advance America does not discriminate on the basis of race, religion, color, national origin, sex, age, pregnancy, disability, veteran status, citizenship or any legally protected category in connection with any phase of the employment process, including, but not limited to, selection, hiring, promotion, termination, compensation, training and benefits. It is also the practice and policy of Advance America to comply with all applicable federal, state, and local laws.


The health and welfare of our employees is important to us, and Advance America’s benefits plan is designed to provide care and assistance for you and your family. As well as health, life, vision and dental coverages, we offer a 401(k) savings plan and an Employee Assistance Plan. More details can be found about these benefits below: Benefits Eligibility: Full-time employees (those who routinely work more than 30 hours per week) are eligible for benefits on the first of the month following the 90th day of continuous employment. Health and Wellness Coverage: Our Health and Wellness coverage is designed to give you peace of mind. Group medical and dental coverage is administered through a self-insured plan for employees as well as their spouse and children. Plan participants are able to purchase up to three times their annual salary in life insurance coverage, and can buy coverage for their spouse and children. Employees are also covered by a Business Travel Accident policy. Other Benefits Include: - 401(k) plan with ten investment fund options - Short and Long-term Disability - Accidental Death & Dismemberment - Employee Assistance Program. Paid Time Off: Advance America recognizes six paid holidays annually. In addition, full-time employees are eligible to earn up to ten vacation days, three floating holidays and four sick days per fiscal year.

Career Opportunities

About Advance America

Founded in 1997, Advance America, Cash Advance Centers, Inc. is the country's leading payday cash advance services provider with over 2,400 centers in 34 states. Operating under the brand names Advance America and National Cash Advance, the Company offers convenient, less-costly, credit options to consumers whose needs are not met by traditional financial institutions. The Company is a founding member of the Community Financial Services Association of America (CFSA), whose mission is to promote laws that provide substantive consumer protections and to encourage responsible industry practices.

Forward-Looking Statements and Information:

Certain statements contained in this release may constitute "forward- looking statements" within the meaning of federal securities laws. All statements in this release other than those relating to our historical information or current condition are forward-looking statements. For example, any statements regarding our future financial performance, our business strategy and expected developments in the payday cash advance services industry are forward-looking statements. Although we believe that the current views and expectations reflected in these forward-looking statements are reasonable, those views and expectations and the related statements are inherently subject to risks, uncertainties and other factors, many of which are not under our control and may not even be predictable. Therefore, the actual results could differ materially from our expectations as of today and any future results, performance or achievements expressed directly or impliedly by the forward-looking statements. These factors include: For example, the effect the revised FDIC Payday Lending Guidance may have on the lending banks and the agency business model; federal and state governmental regulation of payday cash advance services, short-term consumer lending and related financial services businesses; current and future litigation and regulatory proceedings against us, including but not limited to those against us in Florida, Georgia and North Carolina; the possibility that we may have to permanently cease our operations in Georgia and North Carolina; the accuracy of our estimates of payday cash advance losses; our lack of product and business diversification; our relationships with the lending banks and with the banks party to our revolving credit facility; theft and employee errors; the availability of adequate financing, suitable payday cash advance centers and experienced management employees to implement our growth strategy; the fragmentation of the payday cash advance services industry and competition from various other sources, such as other payday cash advance providers, small loan providers, short-term consumer lenders, banks, savings and loans and other similar financial services entities, as well as retail businesses that offer consumer loans or other products or services similar to those offered by us; and customer demand and response to services offered at our payday cash advance centers. For a more detailed discussion of some of these factors, please refer to the "Risk Factors" section of our Annual Report on Form 10-K for the year ended December 31, 2004, a copy of which is available from the SEC, upon request from us, or by going to our website:


As guidance for daily business, all Advance America employees follow the Company Creed:

Respect Your Customers
Treat them with dignity and courtesy at all times.
Respect Your Associates
Treat them as you would like to be treated.
Respect Yourself
Work hard and use good, ethical judgment in everything you do.
Respect the Law
It is there to protect us and our Customers.

As founding members of the Community Financial Services Association of America (CFSA), Advance America is committed to responsible industry practices and customer satisfaction. CFSA was formed in 1999 to promote laws and regulations that balance the interests of the payday advance industry with those of consumers, as well as support and encourage responsible industry practices.


At Advance America, you'll also find a great working schedule, excellent benefits, a team-oriented work environment, and competitive salaries with incentive bonuses. With typical hours of operation from 10AM - 6PM, Monday through Saturday, you can have the best retail schedule around, allowing you time for your family and personal interests. You'll gain valuable experience in operations management, customer service, marketing, and employee relations that can create a pathway to promotions and greater responsibility. Currently, over 50% of the company's multi-unit managers have been promoted from within. Expect to find satisfaction helping others and developing close relationships with customers and employees alike. When it comes to building your career, the sky's the limit. Come grow with us!


Advance America is an Equal Opportunity Employer.


Advance America provides a reliable option for consumer's immediate financial needs. In a few quick and easy steps we can help customers receive $100 or more, on the spot, providing a viable alternative to bounced check fees, late fees and long-term credit card interest.

Payday cash advances are small-denomination, unsecured advances that are typically due on the customer's next payday. Our customers are hard-working middle Americans who sometimes need extra money. We focus exclusively on payday cash advance services and do not provide check cashing, pawn lending, title lending or wire transfer or similar services. We believe our sole focus on payday cash advance services is a competitive strength that has allowed us to better reach and service our primary market of middle-income customers.