AdvanceMeToday

AdvanceMeToday operates in a dangerous grey area of online lending—one that should immediately raise alarms for any potential borrower.

When you search for "AdvanceMeToday," you encounter a confusing digital landscape. One entity claims to be a payday lending operation, while an entirely separate website under the name "AdvanceMe" promotes itself as a book summary and self-development platform. This duality is the first warning sign.

Let's be clear: The payday lending version of AdvanceMeToday has serious legal baggage. In August 2013, the New York Department of Financial Services (DFS) sent a formal cease and desist letter to Advance Me Today, along with 34 other payday loan companies, for making usurious loans to New York consumers . The DFS investigation revealed these companies charged interest rates "many times the legal limit" .

To put this in perspective: In New York, any loan under $250,000 from a non-bank lender with an interest rate exceeding 16% per annum constitutes civil usury (illegal). Interest above 25% is criminal usury . Payday lenders typically charge rates of 300% to 600% APR.

The Better Business Bureau (BBB) profile for Advancemetoday.com shows a "No Rating" (NR) status, with the file being reviewed . A PO Box in New York City (P.O. Box 1124-1007, New York, NY 10102) is listed as the business address—a mailbox, not an actual office where you could meet anyone .

The Verdict: AdvanceMeToday exhibits nearly every hallmark of an illegal or predatory lending operation. Borrowers should proceed with extreme caution—or better yet, avoid entirely.