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
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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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.
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 $300 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 $300 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 That Let You Borrow $300 Easily
If you need $300 fast, there are several loan options to choose from, each with its own terms and features.
Payday Loans
With a payday loan, you can borrow $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 let you borrow $300 and repay it in equal monthly payments over a term of 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 allow you to borrow up to $15,000, 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.
Why Choose 1F Cash Advance
If you’re in a tough spot and need cash fast, here’s what makes us a smart choice:
Secure application
Your data is protected with top-level encryption from start to finish.
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.
FAQ
Is it possible to get a $300 loan with bad credit?
We accept borrowers with any credit. Your current ability to repay the loan matters more than past credit issues.
I need $300 now. How fast will I receive a loan once my application is approved?
Funds are typically deposited within one business day. However, if you apply early in the morning, you may receive the money by the end of the same day.
Are there any hidden fees I should be aware of?
We charge no hidden fees. Once approved, you’ll receive a clear loan agreement that outlines all charges and terms. Just make sure to read the agreement carefully before signing.
Will applying for a $300 cash loan impact my credit score?
Our loans come with a soft credit check that does not affect your credit.
Can I repay the $300 loan in flexible installments?
Yes, you can get a $300 loan with repayment in installments over 2–24 months. The borrowing terms will be determined based on your credit, payment history, and application details.