Get 24/7 Loans Online
- Simple and speedy loans
- Same-day funding options
- No credit report review
- Personalized support
- Money from a direct lender
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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1F Cash Advance provides online access to emergency loans so that you can get 24/7 cash for your urgent expenses. Apply anytime you need fast financial assistance, whether after regular business hours, at night, on weekends, or on holidays. Our after-hour services include application submission and instant approval decision making. Apply today and receive a personalized loan product 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 of approval. You typically receive a lump sum amount of $100 to $5,000 that needs to be repaid 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 loan 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. Or call (720) 428-2247 to apply by phone.
Apply NowGet a response
A loan decision is made almost instantly due to our no-credit-check process. You will get a quick notification via email.
Receive the funds
If approved, e-sign the loan agreement and receive the money in 24 business hours*.
*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. Approval decisions are made based on a borrower’s ability to repay.
Who Can Qualify?
We make our requirements easy to meet, 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. Bad credit options may have APRs of 150% to over 400%, depending on the loan type.
Short-term 24 hour loans typically come with a flat fee of $10 to $30 for each $100 borrowed and need to be repaid in full in 2 to 4 weeks. Options with flexible 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 Term | 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 We Offer
1F Cash Advance has various options you can access 24/7 to better meet your unique needs.
Payday Loans
A payday loan is a short-term loan designed to help you bridge small financial gaps between paychecks. Borrow from $100 to $1,000 and repay the funds in 2 to 4 weeks. This option is perfect for minor emergencies, unexpected expenses, and daily needs.
Installment Loans
Installment loans offer higher amounts and more repayment flexibility, making them ideal for ongoing expenses, large purchases, and big emergencies. A maximum amount of $5,000 and repayment terms of 2 to 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.
Title Loans
A title loan provides quick assistance against your vehicle’s title. You can borrow up to 50% of the car’s estimated price with a maximum repayment period of 30 days. We don’t physically retain your car, ensuring that taking out a loan won’t affect your daily routine.
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 get fast and affordable loan solutions for their emergency needs. Here’s how we differ.
Convenient Application
You can apply for our 24/7 loan services online, over the phone, or in-store. Whatever the option you choose, the process is straightforward and only takes 5 minutes to complete.
Transparent Terms
We never leave you guessing and clearly disclose the terms so that you can make an informed decision.
Exceptional Customer Support
Our team is always ready to help you choose the right loan product for your situation and answer all your questions regarding the process and terms.
FAQ
Can I apply at midnight or on holidays?
Our online application form is always here for you 24/7. Just note that applications submitted after regular operating hours, on weekends, and on holidays will be processed on the next banking day.
How fast will I get the money?
Loan funds are usually transferred 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 banking day.
Can I qualify for a loan with bad credit?
1F Cash Advance accepts borrowers with all credit types. We 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 our bad credit loans online 24/7, even on weekends. However, approvals after regular business hours are funded on the next banking 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.