Get 24/7 Loans Online
- Simple and speedy loans
- Same-day funding options
- No hard credit check to prequalify
- Personalized support
- Network of licensed direct lenders
1F Cash Advance connects borrowers with licensed lenders offering online emergency loans. Through us, you can get 24/7 cash for your urgent expenses. Apply anytime you need fast financial help, whether after regular business hours, at night, on weekends, or on holidays. After hours, you can still submit an application and receive an approval decision. Apply today and see personalized loan offers in minutes. If approved, the money can be in your bank account in 24 hours.
What Is a 24-Hour Loan?
Loans available 24/7 allow you to submit an application round the clock and get funded within 1 business day after approval. You typically receive a lump sum amount of $100 to $5,000 and need to repay the money either in full by your next paycheck or in fixed installments over several months or years.
Here's How It Works
Applying for a loan is straightforward. Here’s how the process works with 1F Cash Advance:
Fill out an online form
Apply online anytime by filling out a form with your personal and financial info. You can also call (720) 428-2247 to apply by phone.
Apply NowGet an approval decision
A loan decision is made in minutes. Lenders run a soft credit check during prequalification.* You will get a quick notification via email.
Receive the funds
If approved, e-sign the loan agreement and receive the money in 1 business day*.
*A hard credit check may be performed if you decide to proceed. Funding times depend on the approval hours. Loans originated before 10:30 am on weekdays are usually deposited on the same day. Later or weekend approvals are funded on the next banking day.
Benefits of 24/7 Loans
Round-the-clock loan services offer emergency assistance for people who face urgent financial needs at odd hours. Here are the key advantages:
- No bank visit. We know that emergencies require you to act quickly. Our loan process can be completed online so that you can focus on what is really important.
- Convenient application. When an unexpected expense pops up, you can request a 24/7 loan via your mobile phone in just 5 minutes. There’s no need for a laptop with internet access.
- Quick funding. Most borrowers get their funds within 1 business day. Same-day funding is possible.
- No specific hours to apply. You can request a loan when it’s convenient for you without sticking to a store’s operating hours.
- Bad credit friendly. We set no minimum credit score requirements, making it simple for borrowers with poor or no credit to qualify. Lenders base their decisions on each borrower’s ability to repay.
Who Can Qualify?
Lenders in our network keep their requirements simple, with only a few basic items needed to complete the process:
- Age of at least 18
- Valid government-issued photo ID
- Social Security number
- Proof of residence in the state we operate in
- Active bank account and routing numbers
- Proof of stable income
- Valid email and phone number
Rates, Terms & Fees
Emergency loans usually cost from 5.99% to 35.99% per annum for borrowers with good credit, compared with an average APR of about 11.86% that the Federal Reserve reports for 24-month personal loans at commercial banks.1 Bad credit options may have APRs of 16% to over 400%, depending on the loan type; federal research finds that online payday loans average about 100 percentage points higher in APR than storefront payday loans.2
Short-term 24 hour loans typically come with a flat fee of $10–$30 for each $100 borrowed and need to be repaid in full in 2–4 weeks. Options with longer repayment terms are also available.
Here are illustrative examples of a fee schedule:
Payday Loans
| Loan Amount | Repayment Terms | Finance Charge | APR | Total Amount Due |
|---|---|---|---|---|
| $300 | 14 days | $45 | 391.07% | $345 |
| $500 | 21 days | $75 | 260.71% | $575 |
| $1,000 | 30 days | $150 | 182.5% | $1,150 |
Installment Loans
| Loan Amount | Repayment Terms | Monthly Payment | APR | Total Amount Due |
|---|---|---|---|---|
| $1,000 | 6 months | $171.54 | 9.95% | $1,029.22 |
| $3,000 | 12 months | $276.04 | 18.70% | $3,312.48 |
| $5,000 | 24 months | $295.21 | 35.99% | $7,085.05 |
The calculations above are for informational purposes only and are not guaranteed. Your particular loan amount and terms are subject to approval based on your credit, income, state, and payment history.
24/7 Loan Options Available Through 1F Cash Advance
1F Cash Advance’s network of lenders offers various options you can access 24/7 for a wide range of needs.
Payday Loans
A payday loan is a short-term loan designed to help you cover small cash shortfalls between paychecks. Borrow from $100 to $1,000 and repay the funds in 2–4 weeks. This may be a good option for minor emergencies and unexpected expenses.
Installment Loans
Installment loans offer higher amounts and more repayment flexibility, making them suitable for larger purchases and emergencies. A maximum amount of $5,000 and repayment terms of 2–24 months allow you to cover a wide range of personal needs while keeping your payments manageable.
Cash Advance Loans
Our cash advance app provides quick financial assistance on the go. Get 24/7 access to cash via your smartphone in a few taps and repay the money when your next paycheck arrives. Versions for both Android and iOS are available.
Why Choose 1F Cash Advance
1F Cash Advance is a company that cares about the communities it serves. Our innovative approach to financial services allows people with any credit to find fast and accessible loans for their emergency needs. Here’s how we differ.
Straightforward Application
You can apply for 24/7 loans online, over the phone, or in-store. Whichever option you choose, the process is simple and only takes 5 minutes to complete.
Transparent Terms
Our lenders never leave you guessing and clearly disclose the terms so you can make an informed decision.
Dedicated Customer Support
Our team is here to help you choose the right loan product for your situation and answer all your questions about the process and terms.
FAQ
Can I apply at midnight or on holidays?
Our online application form is available 24/7. Keep in mind that applications submitted after regular operating hours, on weekends, and on holidays will be processed on the next business day.
How fast will I get the money?
Loan funds are usually deposited within 1 business day. Approvals before 10:30 am on a business day may be funded on the same day. Otherwise, you receive the money as soon as the next business day.
Can I qualify for a loan with bad credit?
Lenders in our network consider borrowers of all credit backgrounds. They look beyond just your credit score and assess your overall financial situation, including your income, debts, employment stability, and payment history.
Do 24-hour loans work on weekends?
You can apply for bad credit loans online 24/7, even on weekends. However, approvals after regular business hours are funded on the next business day.
Can I contact your customer support at night?
If you have any questions after operating hours, feel free to email us at [email protected] or send a message to us using the feedback form on the website.
Sources
- 1 Board of Governors of the Federal Reserve System — G.19 Consumer Credit — commercial bank personal loan rate. September 2026.
- 2 Consumer Financial Protection Bureau, Office of Research — The Online Payday Loan Premium — online vs. storefront payday loan cost. March 2024.
