Cash Till Payday
Borrow today and cover your short-term needs!
- Apply online or at a store
- No credit check
- Instant approval
- Same-day funding
1F Cash Advance provides quick loan options till payday for those who need extra cash to bridge small money gaps. You can apply online in minutes and receive fast approval without unnecessary steps. Our small loans are designed to cover urgent expenses such as unexpected bills, groceries, or minor repairs. Even with poor credit, applicants may still qualify and get money directly into their bank account. From start to finish, the process is simple, transparent, and secure.
How to Get Cash When Payday Is Still Far Away
When you need money before your next paycheck, 1F Cash Advance provides two reliable ways to get quick cash: a payday loan or an installment loan.
Payday Loan
A payday loan is a short-term solution for urgent needs, such as medical bills, car repairs, or utility payments. At 1F Cash Advance, you can borrow from $100 to $1,000. The repayment is made on your next payday, usually within 14 to 31 days. Funds are deposited directly into your bank account within 24 hours.
Installment Loan
An installment loan offers a larger amount and more time for repayment. Borrow from $500 to $5,000 and repay it in fixed monthly payments over 2 to 24 months. This type of loan is ideal for big purchases or larger financial projects. It provides more manageable repayment and is suitable for borrowers who want to avoid lump-sum payments.
Steps to borrow money with 1F Cash Advance
Getting a loan from 1F Cash Advance takes just a few simple steps:
Apply online or in-store
Fill out a short application form with your basic personal and financial details. It takes about 5 minutes to complete.
Apply NowGet a decision
We perform a soft credit check, and you’ll receive a decision by email within minutes.
Receive your funds
Once approved, e-sign the agreement. The funds will be transferred to you via a direct deposit on the same day or by the next business day.*
*Apply before 10:30 am for same-day deposits. Later, weekend, or holiday approvals are funded the next business day. In-store applicants can receive instant cash.
Who is Eligible
To qualify for a cash loan till payday with 1F Cash Advance, you must meet the following basic requirements:
- Be at least 18 years old
- Be a U.S. citizen or permanent resident
- Have a steady source of income
- Have an active checking account
- Provide a valid phone number and email address
The Cost of Emergency Loans
Emergency loans from 1F Cash Advance come with a clear cost structure. The Annual Percentage Rate (APR) varies depending on your loan amount, repayment term, and state regulations. Most emergency payday loans have an APR between 200% and 700%. Installment loan interest rates typically range from 6.99% to 35.99%, but may be higher in some cases.
If you borrow $400 with a 14-day repayment period and a fee of $15 per $100 borrowed, you will owe $460 on the due date. This equals a 391% APR.
Loan terms and fees are regulated at the state level. Each state sets its limits on loan amounts, maximum fees, and allowable interest rates. See what limits apply in your area.
Pros and cons of borrowing till your payday
Taking out a loan until your payday can be a quick way to get money in urgent situations, but it’s important to be aware of the potential risks involved.
Pros
- Quick access to funds. Money is often deposited within 24 hours after approval.
- Simple process. Applications are quick and require minimal documentation.
- No collateral. Approval is based on income and ability to repay, not on assets.
- Easy approval. Even those with poor or limited credit may qualify.
- Flexible use. Funds can cover everyday expenses, emergencies, or unexpected bills.
Cons
- High cost. Loans come with steep fees if not repaid quickly.
- Risk of debt cycle. Late payments or rollovers may lead to long-term financial strain.
- Limited loan amount. Borrowing limits are typically low, ranging from $100 to $5,000.
Important: Always read the loan agreement carefully. A short-term loan should be a one-time emergency solution, not a regular financial tool. Make sure timely repayment is possible based on your income and overall situation.
Alternatives Options
If you’re looking for other ways to cover expenses before your next paycheck, consider the following options.
Cash Advance Apps
With these apps, you can access a salary advance ranging from $20 to $500 without interest. Some of them charge a small monthly fee or a tip for using the service. Money is deposited into your account within a few minutes or hours, and repayment is automatically deducted on your next payday.
Credit Card Cash Advances
Credit cards allow you to take out cash in the form of an advance, but this option usually comes with some of the highest costs. Instead of giving you extra time to repay, interest starts accruing immediately, and the rates are much higher than for regular purchases. On top of that, there’s an additional fee for each withdrawal.
Buy Now, Pay Later
BNPL is a payment option that allows shoppers to split the cost of a purchase into smaller installments over a set period. Buyers can spread the payments out, making it easier to afford items such as electronics, clothing, or other big-ticket products. BNPL plans are typically interest-free and carry little to no extra fees if payments are made on time.
Credit Union Loans
Many credit unions offer small loans that members can repay over several months. While there may be a modest processing fee, the overall borrowing costs are generally lower than those of payday lenders. Approval may take a bit longer, but the advantage is that the terms are usually fairer and more manageable.
Employer-Based Advances
Some companies allow employees to access part of their paycheck before payday. This option typically comes without interest or extra charges, since the borrowed amount is simply deducted from the next paycheck. Availability depends on the employer, so it’s best to ask your HR department whether this benefit is offered.
Why Choose 1F Cash Advance
At 1F Cash Advance, we believe that getting emergency cash shouldn’t be complicated. Here’s why thousands trust us:
Fast help without the hassle
We keep the process simple—no collateral, no guarantors, and no unnecessary questions. Just a quick form that you can complete in minutes.
Real support, not just automation
Our customer service team is available to assist you at every step. You get real answers from real people whenever you need help.
Secure from start to finish
Your data is protected with advanced encryption technology. We keep your information safe from the moment you apply.
FAQ
Where can I borrow money until payday?
You can borrow money until payday on the 1F Cash Advance website—it’s fast, secure, and available 24/7. If you prefer in-person service, visit a store near you to get help from one of our loan specialists. Either way, we make the process easy and stress-free.
Can I get approved with bad credit?
Yes, you can. Approval is based on your income and ability to repay, so even borrowers with poor credit can qualify.
What are my loan repayment options?
Payments can be made automatically via ACH transfer or with a post-dated check, depending on your application method and the terms of your loan agreement.
How can I contact 1F Cash Advance?
You can call our customer support at (720) 428-2247 for general questions. To reach a specific office, check our location directory and find the contact number for your state’s location.