Advance America defended itself, saying their service is for when people find themselves in between paychecks with an unexpected expense. Like others who desperately need money, Rankin’s clients borrowed from a high interest company - a payday lender. It sparked another lawsuit against Advance America Cash Advance, this one in Georgetown County, for making loans even though - as the lawsuit states - it was, “evident the borrower would be unable to pay. State law says lenders can only loan money if they reasonably believe the individual can repay the loan. Spokesperson Jamie Fulmer pointed out the company is state-regulated and audited, and their service can be cheaper than bouncing a check or credit card late fees. To get a cash advance loan, you prove you have a check, maybe a car, and where you live. read more