Get a $600 Loan Online Today
- Apply online, in store, or over the phone
- No impact on your credit score
- Instant approval decisions
- Borrow from a trusted 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.
Fact-Checked
Each our article is reviewed by leading industry experts and updated regularly. We ensure accuracy and currency through daily audits and automated updates. Learn more about our editorial standards.
Whether it’s an unexpected expense, car repair, home fix, or a small financial gap between paychecks, 1F Cash Advance can help you get the money you need fast. With us, you can borrow up to $1,000 and customize your loan terms to make them suit your unique situation. Our safe application process involves no hard credit check and is available online 24/7.
Complete our easy form, receive an instant approval decision, and get your $600 loan quickly, even with bad credit. Our products offer flexible repayment options, minimal paperwork, and same-day or next-day funding, allowing you to cover emergencies fast.
How Does a $600 Loan Work?
A $600 loan is a short-term personal loan designed to help you meet your urgent financial needs. This option comes with an easy loan process, fast processing and funding times, and a high approval rate for people with bad credit. At 1F Cash Advance, you can choose to repay it in one lump sum by your next paycheck or get up to 24 months to pay back with our flexible installment loan options.
Can I Borrow $600 with Bad Credit?
We know that emergencies happen regardless of your credit issues. That is why 1F Cash Advance offers loan solutions for borrowers with any credit scores. Our underwriting process involves no hard credit check. We look far beyond just your credit score and assess your overall financial stability, including your income, employment status, current debts, and recent payment history.
How to Get a Loan for $600 Fast with 1F Cash Advance
Here are 3 steps to take:
Fill out your application
Complete our easy form online or visit a store to apply in person. The process takes just 5 minutes.
Apply NowGet approved
Submitted applications are usually processed fast due to no hard credit check performed, so you will get an almost instant loan decision.
Receive the money
If approved, e-sign the loan agreement and get the funds transferred to your bank account on the same or the next business day.*
*Same-day funding is possible for approvals before 10:30 am on weekdays. Applications submitted later, on weekends, or on holidays will be processed on the next banking day.
What Do I Need to Apply?
We make it simple to get a loan, even if you need money on the go. Here’s what we ask for:
- No less than 18 years old
- Valid government-issued photo ID
- Social Security number
- Proof of income
- Active bank account and routing numbers
- Proof of address
- Valid email and phone number
Can I Get a $250 Loan with Bad Credit?
At 1F Cash Advance, we offer $250 loans with no credit check 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.
Rates & Terms
A $600 payday loan repayment terms range from 14 to 30 days. Interest comes in the form of a flat fee of $10 to $30 per each $100 borrowed. An average APR is between 260% and 780% for a 14-day loan, with some states applying APR caps of 36%. An origination fee of up to 10% may be charged in some states. Late payments typically result in an NSF fee. Your exact terms and rates will depend on your credit and local regulations.
Here are fee schedule examples for a $600 payday loan.
| Fee for $100 | Total Finance Charge | APR (14 days) | APR (30 days) | Total Cost |
|---|---|---|---|---|
| $15 | $90 | 391.07% | 182.50% | $690 |
| $20 | $120 | 521.43% | 243.33% | $720 |
| $30 | $180 | 782.14% | 365.00% | $780 |
An interest rate for an installment $600 dollar loan is 5.99% to 35.99% for borrowers with good credit. People with credit issues can expect APRs of 16% to 200%. The repayment period ranges from 2 to 24 months. Here are illustrative monthly payment and cost examples:
| Repayment Period | APR | Monthly Payment | Total Amount Due |
|---|---|---|---|
| 6 months | 12.50% | $103.68 | $622.06 |
| 12 months | 18.70% | $55.21 | $662.50 |
| 18 months | 27.99% | $41.2 | $741.61 |
The terms provided above are for informational purposes only. Your particular loan terms are subject to approval based on your credit, income, and application details.
Common Loan Uses
A small loan can help you with a wide range of urgent needs. Here’s why our customers typically need $600 right now:
- Medical emergencies
- Car repairs
- Unexpected bills
- Home improvements
- Credit card payments
- Rent and utilities
- Groceries and other daily necessities
Is a $600 Loan Right for Me?
A $600 loan may be a smart tool for those seeking fast financial assistance if used wisely. Here are 4 questions to ask yourself before deciding:
- Is it an urgent need? Use payday loans only for emergencies that require a quick fix and can’t wait till your next paycheck.
- Are the terms clear to me? If something in your loan agreement seems unclear, contact the lender and ask for an explanation.
- Can I repay the funds on time? A $600 cash advance loan has short payback times of 14 to 30 days. Make sure to plan for repayment and understand the total amount due.
- Do I have cheaper alternatives? Small loans may be expensive. Make sure to assess all your options and use them only as a last resort.
Small Loan Alternatives
Before applying for a small cash advance loan, consider the following ways to borrow $600 fast:
Payday Alternative Loans
Credit unions often provide low-cost loan options to their members. Payday alternative loans are designed for people with bad credit who need emergency cash with more repayment flexibility. You can borrow up to $2,000 for 1 to 12 months. Interest rates are capped at 28%. Valid membership based on employment or location is typically required.
Cash Advance Apps
App loans usually offer small amounts of $50 to $250, with some tools providing financing of up to $1,000. You can borrow a portion of your future paycheck and repay the funds once you receive it, often without being charged any interest. Official employment is typically required. Extra fees for instant deposits or app membership may apply.
Employer Paycheck Advances
Ask your employer whether you can get a small amount against your next payday. This option can help you avoid paying any extra interest and fees. The sum you get will be deducted from your future pay. Just make sure to revise your budget since you will get less money on hand at the end of your next pay period.
Family Loans
Borrowing from your loved ones is another interest-free option that provides more repayment flexibility. However, the amount you can borrow is limited to what your family members can lend you at the moment. Make sure to set clear repayment terms in advance and stick to them to avoid ruining your relationships.
Assistance Programs
If you need money for necessities, many community organizations and government-backed institutions provide financial assistance programs for low-income individuals. You can get help with food, utilities, rent, healthcare, child care, and much more. However, you may be asked to meet certain eligibility criteria. Contact your local Department of Social Services for more details.
Why Choose 1F Cash Advance
1F Cash Advance is proud to be a smart choice for people in need of fast cash. We help borrowers with any credit backgrounds get the money they need for various life situations and personal goals. Here’s how we stand out.
Fast & Secure Application
You can complete the process within minutes with minimal paperwork required. Your sensitive data is always protected due to the modern encryption technologies we use.
Zero Hidden Fees
We’re not hiding anything from you. All the terms are clearly stated in a way that is easy to understand. You will always know what you’re going into before signing.
Customer Support That Cares
Our dedicated team is always at your service. Whether you’re trying to choose the right loan option, need professional advice, or want someone to guide you through the process, we’re here to help at (720) 428-2247.
FAQ
Can I get a $600 loan with no job?
Applicants with no official employment can still get a $600 loan from us if they can provide proof of an alternative income source, such as self-employment.
Will applying for a loan affect my credit score?
Loans from 1F Cash Advance come with no credit check through major credit bureaus. A soft inquiry is made to assess your financial profile. It typically does not affect your FICO rating.
I need $600 today. How fast will I receive the funds?
Common funding times are as soon as 1 business day of approval. Applicants who get approved before 10:30 am on weekdays may get their loan funds on the same day.
What is the minimum income requirement?
We typically ask for a monthly income of at least $1,000. However, the requirements may vary depending on your current debts, family size, and other factors that may affect the minimum amount you have left after covering the necessities.
Can I get a loan with no bank account?
At 1F Cash Advance, we ask for a valid bank account in your name to fund you. However, you may receive your loan in cash if you apply at a store location and provide a postdated check covering the full amount due.