$3,000 Personal Loan
Flexible loan solutions with no impact on your credit score
- Options for good and bad credit
- No credit check
- Great rates starting at 6.70%*
- Fast funding for your emergency
- 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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If you’re looking for a quick and easy way to strengthen your finances, you’re in the right spot. $3,000 loans from 1F Cash Advance can help you with costly bills, home improvements, debt consolidation, and other personal needs.
These smart financial solutions are available to all credit types. We charge no application fees and offer fixed, competitive rates so you can enjoy predictable monthly payments that align with your budget.
How Can I Use a Personal Loan?
We don’t place any restrictions on how you use the funds. Here are some common ways people choose to use a $3,000 loan:
- Medical expenses
- Wedding financing
- Car repairs
- Home improvements
- Debt consolidation
- Credit card payments
- Rent or utilities
- Moving costs
- Vacation financing
Apply Now with 1F Cash Advance
Take these simple steps to get a personal loan today:
Complete your application
It only takes about 5 minutes to fill out our simple online form.
Apply NowGet approved
There’s no credit check during underwriting, so an approval decision is made almost instantly.
Receive the money
If approved, your funds will be deposited into your bank account as soon as the same or next business day.**
What Do I Need to Get a Personal Loan?
Here’s a checklist of what we ask for to quickly process and approve your application:
- Age of at least 18 years old
- Valid US-issued photo ID
- Social Security number
- Active bank account and routing numbers
- Proof of income
- Proof of address
- Valid email and cell phone number
Estimate Your Loan Payments and Interest
The loan payment depends on the amount you borrow, the repayment period you choose, and the APR offered.***
$3,000 Loan Options
When you need extra cash, there are several types of personal loans available to choose from.
Secured Loans
A secured loan requires you to provide collateral to borrow a portion of what your asset costs. Loan amounts range from $500 to $100,000, with a repayment period between 2 weeks and 20 years. Interest rates start at 3.5% for borrowers with excellent credit, much lower than those on unsecured alternatives.
Once you provide collateral, lenders are more likely to approve you, even with bad credit. However, you risk losing your assets if you default on your loan. Available options include car title loans, home equity loans, and savings secured loans.
Unsecured Loans
With an unsecured loan, you can get the funds you need by only providing your signature as a repayment guarantee. The maximum amount available is usually $50,000, while the repayment terms can be from a few weeks to 84 months.
As unsecured loans are considered more risky, lenders decide on whether to approve you based on your credit score, income, and debts. Interest rates can be from 5.99% to 35.99%. Borrowers with bad credit are less likely to qualify or may be offered unsecured loans with three-digit APRs.
Family Loans
The money borrowed from your loved ones is often provided on an interest-free basis. Although the amount you can get is limited to your family members’ financial capabilities, you may negotiate more flexible repayment terms. This way, you can adjust your loan payments to fit your current financial situation.
Before borrowing, make a clear agreement and stick to the terms to avoid damaging your relationships. Having a written contract in place will help avoid misunderstandings.
Lines of Credit
Credit lines are revolving options that let you access instant, flexible funds up to a set limit. You only pay interest on the amount you use. Once you repay what you’ve borrowed, the funds become available again. Interest rates are variable, typically ranging from Prime + 4.50% to Prime + 22.50%.
Credit lines can be secured or unsecured. Some of them, such as home equity lines of credit (HELOCs), have a draw period and a repayment period. Within the draw period, you can use the funds and make interest-only payments. When the period ends, you need to repay your outstanding balance plus interest without the ability to access the funds.
Why Choose 1F Cash Advance
We’re proud to help people with any credit get the fast, accessible, and fair loan services they deserve. Here’s what you can count on with 1F Cash Advance.
Customized Loan Solutions
Borrow from $100 to $15,000 with terms from a few weeks to 60 months. Choose fast cash for emergencies or flexible options for longer-term needs.
Zero Hidden Fees
Our rates start at 6.70% for borrowers with good credit. All the terms and fees are clearly stated in your loan agreement, providing a sense of predictability.
Fast Approval & Funding
You can apply online in minutes, get an instant approval decision, and receive the funds within 1 business day. Same-day funding options are available.
Questions About Personal Loans? We Have The Answers!
What is a personal loan?
A personal loan is an unsecured loan with undefined uses that you can take out for a wide range of purposes. You receive the funds in one lump sum and repay them over a set period in affordable monthly installments.
How fast will my application be processed?
We offer loans with no hard credit check involved, meaning that your application will be processed in a matter of minutes. Many borrowers get instant approval decisions when they apply during regular operating hours.
How and when do I get my loan funds?
Once approved, the money is transferred to you within 1 business day. Same-day funding is possible for loans originated before 10:30 am on weekdays.
What if the loan rates change after approval?
Our interest rates are fixed, meaning that you're protected from any market fluctuations or changes in the prime rate or federal funds rate. If the benchmark interest rate changes, we may adjust our APRs for new loans accordingly. If the rate decreases, you may refinance your personal loan with a new one at a lower price.
I need 3,000 dollars now with bad credit. Do you offer such options?
At 1F Cash Advance, we look beyond just your credit score. Your income, debts, employment status, and payment history are among the factors we consider. Bad credit applicants with steady incomes and a consistent history of current on-time payments can still qualify.
My personal loan application was denied. What are my options?
Denial may be caused by a low income, a history of recent late payments, or other factors that show you as a risky borrower. To increase your approval chances, apply for a secured loan or add a co-signer to your application, if possible. You may also increase your credit score by making on-time payments and decreasing credit utilization to 30% of the available limit.
Important Disclosures
*Borrowers with fair to bad credit typically qualify for $3,000 loans with APRs from 16% to 200%. The starting APR of 6.70% is available to applicants with excellent credit scores.
**Not all applicants can qualify. Approvals before 10:30 on weekdays are typically funded on the same day. Applications submitted after 10:30 am, on weekends, or on holidays will be processed on the next banking day.
***If you get a $3,000 loan for 12 months with an APR of 28%, your monthly payment will be $289.52. The total amount owed is $3,474.22.
Payday loans are an expensive form of borrowing that is not intended to meet your long-term needs. Use them only as a last resort for your short-term financial emergencies. Before applying, make sure you can meet these new financial obligations. Applicants with credit issues should seek credit counseling.
As your late payments may be reported to credit bureaus, missing the due date may negatively affect your credit.