Emergency Loans
A quick fix for urgent money matters
- Convenient online process
- Fast approval in 1 hour
- Same-day deposit options
- Amounts from $100 to $5,000
Hardship and unplanned expenses can strike at any moment. When they do, 1F Cash Advance is here to provide fast assistance. Our emergency loans come with instant approval decisions and same-day funding, so that you do not need to waste time when it matters most. With us, you can get money for rent, moving costs, medical bills, and other unpredictable events that affect you, your home, or your family. We accept applicants with a 500 credit score or lower, making urgent loans accessible to those who need them most.
This page covers:
- How emergency loans work
- What urgent expenses you can cover with an emergency loan
- What you need to do to apply and get approved
- Emergency loan types, rates, and terms
- How to choose the right loan for your current needs
Our Loans Are Designed for Emergencies
We know that crises happen and build our loans to fit emergency life scenarios.
Easy Eligibility
Our loans have easy-to-meet qualification criteria. You do not need to gather multiple documents and meet strict credit score requirements.
Fast Deposits
Approved funds can be transferred to you as soon as the same or the next business day*.
Predictable Payments
Fixed APRs and terms ensure you will know exactly how much you will pay each month.
What Are Emergency Loans?
Emergency loans are personal loans designed to help people cover urgent needs. These loans are focused on speed and accessibility to ensure you will get fast cash in time-sensitive situations. At 1F Cash Advance, you can get approved in as little as 1 hour due to no hard credit check involved in the underwriting process. This makes emergency cash available to people with bad credit and allows for same-day deposits.
Get Emergency Cash When Life Happens
1F Cash Advance can help you manage financial surprises and money gaps, whether big or small. People usually use our hardship loans to meet the following immediate needs:
- Rent or utilities
- Mortgage payments
- Out-of-pocket medical or dental costs
- Home or car repairs
- Funeral expenses
- Moving or emergency travel
- Recovery after natural disasters
How Do Emergency Loans Work?
We know what matters most when time is a priority. Our process is built simply so that you can complete it fast from anywhere:
Fill out a short application form
Whether online or at a store, it only requires 5 minutes and your basic personal and financial information.
Apply NowWait for a response
You will receive a guaranteed approval decision shortly after the system checks your eligibility. Your credit will not be affected.
Get funded
If approved, read and sign the agreement and receive your emergency money within 1 business day*.
*Approval is not guaranteed. Your loan eligibility will be determined based on your financial profile. Same-day funding is possible for approvals before 10:30 am on weekdays. Later or weekend approvals will be funded on the next banking day.
What Do You Need to Qualify?
We do not ask for piles of paperwork to simplify the application process. Here’s what you need to get started:
- Age of at least 18
- Valid ID and SSN
- Active bank account and routing numbers
- Proof of income and address
- Valid email and phone number
- Your employer’s contact details
Get Emergency Money with 1F Cash Advance
Emergency loan rates and terms vary by the loan type and a borrower’s credit profile. 1F Cash Advance has a range of financing options to meet both your big and small urgent needs.
Payday Loans
Payday loans are small emergency loans that provide quick assistance for short-term money gaps. Loan amounts between $100 and $1,000 are available. The repayment should be made in full by your net paycheck. This makes emergency payday loans an ideal option when you need to cover small, urgent expenses without taking on long-term debt.
- Repayment Terms: 7 to 30 days.
- Finance charges: $10 to $30 for each $100 of the loan.
- Average APR: 391%.
- Extra fees: Origination, NSF, and late fees may apply. Terms may vary by state and are regulated by your local laws. Visit our Loans by State page for more information.
Installment Loans
Use emergency installment loans to cover larger expenses that require higher amounts with more time to repay. This budget-friendly product allows you to borrow up to $5,000 and split the cost over several months or years. Fixed APRs and terms result in predictable monthly payments and make debt management stress-free.
- Repayment Terms: 2 to 24 months.
- Average APR: 16% to 200%.
Personal Loans
Emergency personal loans offer more flexibility when you manage high urgent costs. Loan amounts range from $1,000 to $10,000, depending on your income. The repayment is made in affordable, equal installments over years. Borrowers with bad credit can still qualify.
- Repayment Terms: 12 to 60 months.
- Average APR: 5.99% to 35.99%.
How to Pick the Right Loan for Your Needs
Before you apply, pay attention to several key factors that will help you make an informed choice:
| Feature | How to Assess |
|---|---|
| APRs and Fees | Shop around and pre-qualify from multiple lenders with no impact on your credit. Choose an offer with the lowest possible APR but watch for origination, late, and NSF fees that can make your loan more expensive, even if an APR is initially lower. |
| Repayment Periods | Use a loan calculator to see how much you will have to pay each month given the offered terms. Pick a convenient repayment period that balances both your monthly payments and the total cost of borrowing. |
| Type of Loan | Decide on whether you’re looking for a secured or unsecured, short-term or long-term, fixed-rate or variable-rate option. Assess all the risks and how the product suits your situation. |
| Loan Purpose | Determine how much you need to borrow based on what you will use it for. Do not take out more than required, even if a lender approves you for a higher amount. |
| Your Credit Score | Make sure to review the lender’s requirements before applying and choose the option you can qualify for. Some personal loans are only available to borrowers with good credit. |
| Speed of Funding | Check out the lender’s funding options and times in advance, especially if you need the money for a time-sensitive deal. Some loan providers can transfer approved amounts within a few hours or on the same day, while others may need 1-2 business days to fund you. |
Why Choose 1F Cash Advance
At 1F Cash Advance, we treat your emergencies like they are ours. We make the entire process convenient, fast, and safe to help you get the money you need quickly. Our emergency loans come with no credit check, making them suitable for bad credit borrowers. Here’s how we differ:
Transparent Terms
We offer predictable monthly payments and transparent loan terms with no hidden fees to ensure easier and stress-free budgeting.
Legal Compliance
1F Cash Advance is your trusted ally that fully complies with all the federal and state regulations to ensure your consumer rights are under protection 24/7.
Professional Support
Our Customer Care Team is always at your service if you have questions about loans, repayment, or the application process. You can contact us at any moment to clarify the details.
FAQ
How fast can I receive emergency cash?
Funding speed depends on your bank's cut-off times and when you get approved. Common terms are within 1 business day after approval.
I need money now. Do you offer emergency same-day loans?
Same-day funding is possible if you finalize your loan before 10:30 am on a banking day. However, it may take a bit longer, depending on your bank policy.
What is the maximum amount I can get?
The maximum amount you can get at 1F Cash Advance depends on the loan type, your income, and your state laws. Payday loans usually provide financing of up to $1,000. Installment loans can be up to $5,000, while personal loans offer amounts of up to $10,000.
Are there any risks associated with emergency loans?
Emergency loans often have higher interest rates, which increases the total cost of borrowing. Some options have very short repayment terms, making your loan difficult to manage. This may result in a debt cycle and interest accumulation. If you consider emergency title loans, keep in mind that default can result in losing your vehicle.
Where can I get instant emergency loans near me?
Instant emergency loans may be offered through your credit card or via a cash advance app, provided that you need a small amount. If these options do not suit you, visit our Locations page to find a 1F Cash Advance store near you. In-store applicants can get instant cash loans against a post-dated check.
Can I get a loan with no job?
Official employment is not always mandatory. However, you still need to have a verifiable source of recurring income you can prove via bank statements, tax returns, or 1099 forms.
What credit score is needed for a personal loan?
Unlike traditional lenders who usually require a credit score of at least 680, we set no minimum number. Borrowers with any credit can qualify as long as they can prove their ability to repay. However, having bad or no credit may result in less favorable loan terms.
Will applying for a loan affect my credit?
Our underwriting process typically skips hard credit checks, meaning that applying for a loan won’t affect your FICO rating. A soft credit check is performed to assess your financial situation and ensure eligibility.