Sometimes, you may face unexpected expenses and need extra cash in a hurry. A $250 loan can provide a quick fix, whether it’s a car breakdown, medical emergency, urgent home repair, or unforeseen bill that is due before your next paycheck.

1F Cash Advance can help you get the money you need in minutes. Our loans come with no credit report review and are available online 24/7. We offer assistance with no surprise fees for all qualifying borrowers.

Key Takeaways

  • $250 loans are small borrowing options that can be used for home appliance repair, car emergencies, urgent bills, and other surprise expenses.
  • At 1F Cash Advance, borrowers with any credit can qualify if they meet our basic eligibility criteria.
  • The finance charge ranges from $10 to $30 for each $100 borrowed, depending on your creditworthiness and state laws.
  • You can get $250 through payday loans, installment loans, personal loans, credit union loans, cash advance apps, title loans, and pawn shop loans.
  • Before obtaining a loan, compare your options, read the terms carefully, and only borrow what you need and can comfortably repay on time.

How to Borrow $250 Online

Just follow these 3 simple steps:

1

Submit your application

Complete our easy form in just 5 minutes. No paperwork is needed.

Apply Now
2

Receive a fast decision

You’ll know quickly whether you’re approved, since there is no hard credit check.

3

Get funded

If approved, e-sign the loan contract and receive the money via direct deposit.*

*Same-day funding is available for approvals before 10:30 am on weekdays. Loans originated after 10:30 am or on weekends are funded on the next business day.

What Do I Need to Apply?

Here are the basic items 1F Cash Advance asks for to approve your application:

  • Age of at least 18
  • Valid government-issued photo ID
  • Social Security number
  • Bank account info
  • Proof of income
  • Proof of residential address
  • Valid email and phone number

Excited man holding a bill with wide eyes, next to a message offering a $250 loan for unexpected expenses

When to Take Out a $250 Loan

Here’s how our customers typically use the funds.

Home Appliance Repairs

If the appliances you rely on suddenly break, you may seek a small loan to fix them rather than ignoring a problem.

Car Emergencies

Your car may require an emergency repair so you can get to work or pick up your kids from school. In this situation, even a few hundred dollars can make a difference.

Overdraft Fees

If you've made a transaction that brought your account into a negative balance, a small loan can help you get back to a positive amount within the grace period set by your bank.

Urgent Bills

Use a small loan to cover utilities or credit card bills that are about to be due to avoid high late fees or service disconnection.

Surprise Expenses

If you're short on cash at the end of the month and need extra funds to cover grocery bills, buy presents, or fill up the car to get to work, a $250 loan can help you bridge the gap.

Can I Get a $250 Loan with Bad Credit?

At 1F Cash Advance, we offer loans without a hard credit inquiry via major credit bureaus, which means your credit score is not a determining factor at the approval stage. We review your overall financial situation with a focus on your income, debts, payment history, and employment status. Borrowers with bad or no credit can still qualify if they can prove their ability to repay.

$250 Loan Terms & Rates

Small loan terms depend heavily on the loan type, your state, and your credit profile. Here’s what you can expect with 1F Cash Advance.

Category Payday Loans Installment Loans
Repayment Terms Lump-sum repayment by your next paycheck, often in 2 to 4 weeks. Fixed monthly payment over 2 to 24 months.
Finance Charge From $10 to $30 for each $100 borrowed, depending on your creditworthiness and state laws. Depends on the APR and repayment period.
APR An average payday loan issued for 14 days comes with an APR of 260.71% to 782.14%. From 16% to 200%.
Fees Origination fees may apply in some states. Late or missed payments involve NSF fees that may vary depending on the terms of your loan agreement and state regulations. Origination fees may apply in some states. Late or missed payments involve NSF fees that may vary depending on the terms of your loan agreement and state regulations.
Representative Example If you borrow $250 for 14 days with a flat fee of $15 per $100 advanced, your total amount due will be $287.5. Total interest paid is $37.5. Your loan’s APR will be 391.07%. A 6-month $250 loan with an APR of 19.8% will result in a total cost of $264.63. Your monthly payment will be $44.11.

Pros and Cons of a $250 Cash Advance

An online cash advance has its advantages and drawbacks. Here’s what to know before you apply:

Pros

  • Fast funding, often on the same or next business day
  • No impact on your credit when you apply
  • Simple online process with minimal paperwork
  • Available to borrowers with bad or no credit history

Cons

  • Higher fees compared to traditional bank loans
  • Short repayment window, typically 14 to 30 days
  • Risk of debt cycle if rolled over repeatedly
  • Limited loan amounts that may not cover larger expenses

What Are My Options to Get $250 Fast?

When you need an extra $250 quickly, here are a few practical ways to get quick cash:

Payday Loans

Payday loans are popular with people who have bad or no credit. These loans allow you to get a same-day cash advance and repay the funds once you receive your next paycheck. At 1F Cash Advance, you can borrow between $100 and $1,000 with a payday loan online or at one of our store locations.

Installment Loans

An installment loan is a flexible financial solution for larger expenses. Unlike a payday loan with a lump-sum repayment, it allows you to split the cost over several months and years, making your debt easier to handle. 

Installment loans from 1F Cash Advance offer amounts of up to $5,000 with a maximum repayment period of 24 months. Good credit is not mandatory. While installment loans come with lower APRs and affordable monthly payments, the total cost of borrowing tends to be higher over the life of the loan.

Personal Loans

Personal loans offered by online lenders typically come with amounts between $500 and $50,000. These loans work best for long-term needs and major life projects due to convenient repayment terms of 12 to 60 months.

Interest rates are from 5.99% to 35.99%. Good credit might be needed to qualify, especially if you borrow a high amount. Compare offers carefully and choose a reputable, licensed lender to deal with.

Credit Union Loans

Payday alternative loans provided by credit unions serve as a reasonable, low-cost alternative to traditional payday loans. They are offered to CU members who need to bridge small financial gaps. Such loans come with amounts of up to $2,000 with the ability to repay the funds over 1 to 12 months. An APR is capped at 28%. Borrowers with credit issues can qualify, but it requires a hard credit check.

However, you need to be a member of a credit union to apply, which may involve extra fees. Eligibility is usually based on your employment, education, or residence.

Cash Advance Apps

Cash apps allow you to access a portion of your next paycheck that you’ve already earned but haven’t yet received. They typically offer small loan amounts between $50 and $500, often at no mandatory costs. You can request a cash advance in just a few clicks through a mobile app on your smartphone.

These loans are best suited for people with regular employment who need an interest-free way to cover minor expenses before their next paycheck. Subscription or express fees may be charged.

Buy-now, pay-later

BNPL services let you split the cost of a purchase into several payments, often four, at checkout. This can help you finance urgent needs, such as a part replacement or a small appliance, without taking out a cash loan.

No hard credit check is usually performed, allowing you to qualify even with bad credit. Most BNPLs charge no interest as long as you pay on time. However, late payments may trigger extra fees. Review the terms and total cost before you commit.

Credit Card Cash Advances

If you have a credit card, you can withdraw money from its balance within a certain limit. This option involves no preliminary application or credit verification, allowing you to get a $250 cash loan on the same day via an ATM or an issuer’s store.

However, credit card companies typically charge withdrawal fees and apply higher APRs compared to regular purchases. No grace period is provided, meaning that interest accrues immediately and can add up quickly.

Title Loans

Title loans are short-term financing options secured by your vehicle’s title. Title lenders typically finance up to 50% of your car’s price with a repayment period of up to 30 days. You can keep using the car while it’s pledged.

Just note that if you’re unable to repay the loan, the lender may repossess your car. Carefully assess all the risks along with your repayment capabilities.

Pawn Shop Loans

These secured loans allow you to borrow a portion of your item’s value while the pawn shop holds it as collateral. You need to repay the funds in 30 to 60 days to get your item back. Interest is charged monthly and is usually between 10% and 25%. As a result, the APR can reach as high as 200%.

If you fail to repay what you owe within an agreed-upon period, the pawn shop can sell your item.

Tips for Responsible Borrowing

A short-term loancan help in an emergency, but you need a plan to pay it back. Keep these things in mind:

  • Don’t take out more than you need. The loan amount or monthly payment should fit your budget. Otherwise, you’ll end up rolling over the balance and paying more in fees.
  • Check multiple lenders. APRs and fees vary from lender to lender, so shopping around may save you a significant amount. Yet, don’t fall for “too good to be true” deals. Always check the lender’s reputation before you decide to borrow.
  • Read before you sign. Look at the total cost, due dates, and what happens if you extend the loan. Don’t skip the fine print.
  • Avoid stacking loans. One payday loan is manageable. Two or three at once can spiral out of control. Pay off what you owe first.
  • Set a payment reminder. Late fees add up fast, and missed payments can lead to collections. Mark your due date on a calendar or set an alert on your phone a few days before.
  • Consider alternatives. Borrowing $250 from family, selling unused stuff, or getting an advance from your employer may cost you less than a payday loan.

$250 Loan Alternatives

If getting a loan for $250 doesn’t fit your situation, there are a few alternative options to obtain the money you need without taking on conventional debt.

Borrow from Family or Friends

Family loans provide more flexibility as you can negotiate the repayment terms that suit your current circumstances. They usually come with no or low interest and can be obtained without any credit report check or formal loan agreements. Just make sure you set clear terms and can meet them to avoid misunderstanding.

Find a Side Gig

There are various part-time jobs with same-day payouts you can consider as an alternative to borrowing money. Options like pet sitting, babysitting, tutoring, Uber driving, or food delivery are just a few ways to earn extra cash to cover emergency expenses. Just match the job with your hard and soft skills and choose the one that suits you best.

Ask for a Paycheck Advance

Some employers may offer paycheck advances as part of their employee benefit packages. This option allows you to get a portion of your future salary upfront without being charged extra fees. Just make adjustments to your next month’s budget since the amount you get will be deducted from your next pay.

Sell Items You Don’t Use

Look around your room or closet for things you no longer need. It may be clothing, electronics, musical instruments, books, and other stuff. Then, hold a garage sale or take their photos and sell them on platforms like eBay, Facebook Marketplace, or Craigslist.

Turn to Local Charities or Government Programs

If you need money for basic expenses, such as healthcare, groceries, utilities, rent, or child care, there are multiple community programs and government-backed aid options to consider. Visit USA.gov or contact your state’s Department of Human Services.

What Should I Do If My Loan Application is Rejected?

Not every application gets approved for various reasons. If yours was denied, here’s how to move forward:

  1. Ask for explanations. Call your lender and get the details on why you were denied. Most rejections come from insufficient income, payment history issues, debt you’re already carrying, or a problem with your bank account.
  2. Review what went wrong. Once you know the reason, fix it before your next application. Sometimes it’s as simple as providing proof of an alternative income source or waiting until an old debt is paid off.
  3. Look at other options. Credit union loans, cash advance apps, or borrowing from family might work where a payday loan didn’t. Local charities and government programs can also help with specific needs. 
  4. Get professional advice. If you’re dealing with ongoing debt problems, a nonprofit credit counseling service can help you build a budget and find a way forward. Many of these services are free or low-cost.

Why Choose 1F Cash Advance

Here’s what sets us apart:

Easy-to-meet Requirements

We have basic eligibility criteria to make our products accessible to those who have already been denied a traditional loan. No minimum credit score is required to qualify.

Transparent Terms

Our terms are clear, upfront, and easy to understand. No guesswork and a fixed monthly fee for your informed financial decisions.

Exceptional Customer Support

1F Cash Advance’s team of professionals is always here to help you find the best loan option for your situation and complete the application process.

Customer Feedback

See what people say about borrowing money with us:

Both the process and the final terms were fine

Julia 06 Feb, 2026

The application was super easy, and the lady I spoke with about money deposit times was very friendly

Alicia 28 Jan, 2026

One of the easiest loan processes in my life

Richard S. 14 Jan, 2026

FAQ

Can I get a small loan if I'm unemployed?

Borrowers with no official employment can qualify if they can provide proof of an alternative source of stable income, such as self-employment. Applicants with no verifiable income are likely to get denied.

I need $250 now. Do you offer instant funding?

Instant funding may be possible if you apply in one of our stores. For online applications, same-day funding is offered for approvals before 10:30 am on weekdays. Later or weekend applications are funded on the next business day.

Can I qualify with bad credit?

Yes. At 1F Cash Advance, your credit score isn’t the deciding factor at the approval stage. We review your overall financial situation to confirm you can repay. Borrowers with bad or no credit may still qualify if they meet the basic requirements.

Can a $250 loan improve my credit rating?

Most payday loans are not reported to credit bureaus, so paying back your loan on time won't build your score. However, if you miss payments or default, it may show up on your credit report.

Can I extend or refinance a loan?

Some states may allow rollovers or renewals. These options may involve extra fees. Check out the terms of your loan agreement for more details regarding the loan extension.

What if I miss the due date?

Late payments may result in NSF fees (vary by state). If you default on your loan, it may affect your credit score. If you’re having trouble making a payment, contact your lender immediately to discuss your available options. You may be offered a flexible payment plan.

Can you go to jail for not paying a payday loan?

No. A payday loan debt is a civil, not criminal matter. Debtors' prisons are illegal in the United States.

Can I have more than one payday loan at a time?

It depends on your state’s laws. Some states prohibit borrowers from having more than one payday loan at a time. If your state allows multiple payday loans, approval will depend on your current financial situation. We review your income and existing debts as part of our decision-making process.

Is a payday loan cheaper than an overdraft fee?

It depends on what your bank charges and the total loan cost. Our finance charge ranges from $10 to $30 for each $100 borrowed. Compare your bank's overdraft fees to the total amount due on the loan.

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