Get a $300 Loan Online
- Quick cash when you need it
- 24/7 online application
- Transparent terms
- Credit scores of all types
- Safe and secure loan process
If you urgently need a small amount of money, 1F Cash Advance can help you get a $300 loan fast. Our instant approval process means you don’t have to wait for a decision. Since there is no credit check, even people with bad or no credit can qualify. We offer both lump-sum and flexible repayment options, so you can choose the one that suits your needs and budget. Apply online or at a store near you in just a few minutes and get the funds you need for an emergency or everyday expenses.
This page covers:
- Types of small dollar loans
- Use cases
- Ways to borrow $300 fast
- Rates, terms, and fees
- Potential risks and how to avoid them
Why People Apply for $300 Loans
Many borrowers turn to short-term loans to manage urgent costs that can’t wait for the next paycheck. Common reasons include:
- Medical bills that arrive unexpectedly and require immediate payment
- Car repairs that prevent you from getting to work or handling daily tasks
- Utility bills that could result in service disconnection if unpaid
- Groceries when the fridge is empty and payday is still days away
- Unexpected travel for emergencies or urgent out-of-town trips
How to Borrow Money with 1F Cash Advance
To get a loan from 1F Cash Advance, follow these three simple steps:
Submit an Application
Fill out the online form. Provide your personal, income, and bank account details. The process takes about 5 minutes.
Apply NowGet an Instant Approval
Your application will be reviewed quickly via a soft credit check that doesn’t affect your credit score. You’ll receive a decision within minutes by email or directly at the store.
Receive the Funds
If approved, the funds will be transferred via direct deposit within 24 hours or on the same day.* For in-store applications, cash is provided immediately.
*Approvals before 10:30 am local time Monday through Friday may be funded the same day. Applications submitted after this time, on weekends or holidays, are processed on the next business day.
Who Can Get a Small Loan
To qualify, you must meet the following criteria:
- Be at least 18 years old
- Provide Social Security number
- Have a valid government-issued ID
- Bring proof of address
- Provide proof of steady income (pay stubs, bank statements)
- Have an active checking account in your name
- Provide a working phone number and valid email address
We don’t require collateral, faxing, or perfect credit. Just meet these basic requirements, and you can get approved today.
Rates and Fees for Bad Credit Borrowers
A $300 loan is typically issued as a payday loan that needs to be repaid in full in 2 to 4 weeks. The cost may vary depending on your state’s regulations and your ability to repay. Fees can range from $10 to $30 for every $100 borrowed. In some states, the maximum APR for small loans is capped at 36%.
See how different fee structures and loan terms affect your total repayment.
$300 loan at a $13 fee per $100
| Term (Days) | Total Fee | Total Payment | APR |
|---|---|---|---|
| 14 | $39 | $339 | 338.93% |
| 21 | $39 | $339 | 225.95% |
| 30 | $39 | $339 | 158.17% |
$300 loan at a $28 fee per $100
| Term (Days) | Total Fee | Total Payment | APR |
|---|---|---|---|
| 14 | $84 | $384 | 730.00% |
| 21 | $84 | $384 | 486.67% |
| 30 | $84 | $384 | 340.67% |
Note: APR varies greatly with fee amount and term length. Shorter terms and higher fees significantly increase APR.
Loan Options for Quick Cash
If you need money fast, there are several loan options to choose from, each with its own terms and features.
Payday Loans
With a payday loan, you can get $300 for up to 30 days and repay the full amount plus interest on your next payday. No collateral is required, and funds are usually available within 24 hours. Typical APR ranges from 200% to 700%, depending on your state and credit rating.
Installment Loans
Our installment loans provide access to $300 that you can repay in equal monthly payments over 2 to 24 months. These loans provide more flexibility on a tight budget, allowing you to keep loan payments within your means.
Personal Loans
Personal loans from 1F Cash Advance let you secure up to $5,000, with terms ranging from 12 to 60 months. An APR typically ranges from 6% to 36% for applicants with good credit. We provide approval and funding within one business day.
Cash Advance Apps
Cash advance apps provide instant access to up to $300 via your smartphone. To begin, download the app and connect your bank account. These services usually don’t charge interest, but may require a subscription fee of $1 to $10.
Title Loans
A title loan lets you borrow money by using your vehicle’s title as collateral. Repayment terms usually range from 15 to 30 days, with APR between 100% and 300%. You can keep driving the car while repaying the loan, but if you default, the lender may repossess your vehicle.
| Loan Type | Pros | Cons | Best for |
|---|---|---|---|
| Payday Loan |
|
|
People with credit issues who need quick cash for their short-term needs |
| Installment Loan |
|
|
Bad credit borrowers seeking more repayment flexibility |
| Personal Loan |
|
|
Applicants with good credit looking for long-term financing |
| Cash Advance App |
|
|
People with stable employment who need a few hundred dollars for short-term money gaps |
| Title Loan |
|
|
Car owners with bad or no credit who need a higher amount for a short period |
Why Choose 1F Cash Advance
If you’re in a tough spot and need cash fast, here’s what makes us a smart choice:
Fast process
Complete your application in minutes and get approval without delays.
No hidden fees
Clear, upfront terms with no surprise charges hidden in the fine print.
Risks to Consider Before Borrowing
While a loan can be tempting when you need money fast, there are still some risks to be aware of. Keep these things in mind to borrow money safely:
- Debt burden. Even a small loan is still a financial obligation that can affect your budget over time. Taking on unmanageable debt can result in repeated borrowing and long-term financial instability.
- Interest costs. Interest always adds up on top of the principal amount you borrow, increasing the total cost of the loan. The higher the APR, the more expensive your loan will be.
- Hidden fees. Some lenders may hide extra fees in fine print to make their products look more attractive. Always read the loan agreement carefully and ask questions if something is unclear.
- Over-borrowing. When the loan is easy to get, it may tempt you to take out more than you need. This can lead to unnecessary debt and more interest paid over time.
- Risk of default. Failure to repay a loan on time leads to both financial and credit consequences. Before applying, make sure you can follow the repayment schedule without sacrificing your basic needs and necessities.
- Unfavorable terms. Not all lenders offering short-term loans are legitimate. Do not grab the first offer you see. Shop around, compare loan providers, and look at the terms closely before deciding whether to accept.
- Predatory lenders. Avoid loan providers who promise “guaranteed approval.” If an offer looks too good to be true, it’s likely it is. Do not pay anything upfront and only share your personal information via secured application forms.
FAQ
Where can I get money if I don't want to borrow?
There are several smart ways to get the needed amount without going into debt. Sell the stuff that gathers dust on shelves, ask your employer for a paycheck advance, or find a side gig with quick payouts after completing the task. If you experience financial hardship, dial 211 to find a federally funded assistance program available to you in your area.
Should I get a secured or unsecured loan?
It depends on your specific situation and what you expect from a loan. Unsecured loans are typically faster and carry less risk. However, they usually have lower amounts and higher interest rates. Some unsecured options may be unavailable to people with bad credit. Secured loans suit those who need a higher amount for a major project. Their APRs are lower, but the risk of losing collateral may outweigh this benefit. However, these loans might be the only option for borrowers with credit issues seeking more favorable terms.
Am I guaranteed a $300 loan with 1F Cash Advance?
No legitimate lender can guarantee approval before evaluating your income, payment history, and overall eligibility. Although our approval rate is high, we still need to ensure you meet our basic requirements and can comfortably pay back what you are going to borrow.
What apps let you borrow money immediately?
Choose the 1F Cash Advance App if you value the convenience of your personal online lender right in your pocket. With our app, you may get a same-day deposit with no need to link your bank account to your profile. Just note that interest may apply. Alternatively, you can consider apps like Klover, Chime, or Brigit.