I've been using Advance America for about two years for my payday loans, whenever I need it!. I use the store located at Pawtucket Ave, E. Providence R.I. Much faster going personally, than online. The process takes about 10 minutes, if you are a regular customer. The first time, takes a litlle longer. Excellent customer service. Never had any problems and the fees are reasonable. I would sugest Advance America as an alternative when it comes to payday loans.