1F Cash Advance provides instant funding loans because emergencies don’t wait. You may request up to $5,000 online and receive your money on the same day. We offer a simple, secure application and provide approval decisions in minutes. If approved, funds are deposited right into your account.

Key Takeaways

  • Instant funding delivers the approved loan amount to your debit card fast — often within 15 minutes of signing the loan agreement.
  • Both payday loans and installment loans may qualify for instant funding delivery if you meet the cutoff time.
  • If your bank doesn’t support instant transfers, you’ll receive your funds via ACH on the next business day after application.

What Is Instant Funding?

Standard bank transfers may take up to seven business days. Instant funding provides faster access to approved loan amounts. In many cases, money may be deposited into your debit card in 1 hour. It’s a reliable way to handle emergencies.

In order to get an instant funding loan with us, you must meet our standard qualification criteria and apply within the specified timeframes. We pre-check your eligibility with a soft inquiry only, which won’t affect your credit score.

Funding Options at 1F Cash Advance

You can choose three different ways to receive your cash:

Funding Method Delivery Time What You Need
Instant Funds to Debit Card 15-30 minutes* Debit card linked to a checking account
Cash at Store Same-day Visit one of our local stores
Bank Account Transfer Next business day Active checking account

*If approved before 10:30 am, and verification is complete. Times may vary depending on your bank.

Instant Funding to a Debit Card

If you have a debit card linked to your checking account, funds may be available as soon as 15 minutes after approval.* Not all banks support this feature. If your card doesn’t qualify, we’ll deposit your funds via ACH by the next business day at no extra cost.

Instant Cash at a Store

You can pick up cash at one of our store locations on the same day. Many people choose in-store instant funding when they want physical cash right away. Just bring your ID, and our staff will process your application. If approved at the location, you may receive cash in minutes.

Same-Day Bank Transfer

Loan applications with a standard ACH transfer approved by 10:30 am on weekdays may be deposited on the same day. Approvals after 10:30 am are usually funded the next business day. Weekend applications are typically processed on Monday. Banking holidays may delay processing by one additional business day.

How It Works

You can get instant funding with 1F Cash Advance in three easy steps:

1

Submit Your Application

Enter your personal details, income information, and bank account data. It takes about 5 minutes.

Apply Now
2

Get a Decision in Minutes

We'll verify your application details immediately. Once approved, you can review and e-sign the agreement.

3

Receive Your Funds

We'll deposit money directly into your account in as little as 15 minutes* after you sign the loan agreement.

How to Qualify

You need to meet a few basic requirements to qualify for our loan products. Here’s what we ask for:

  • Be at least 18 years old
  • Have a steady source of income
  • Maintain an active checking account
  • Provide a valid government-issued ID
  • Have a working phone number and email
  • Be a U.S. citizen or permanent resident
  • Live in a state where we operate

Woman holding a smartphone with an instant loan application screen and a notification about fast funding from 1F Cash Advance

What Instant Loans Are Available at 1F Cash Advance?

We offer several loan products to help you cover both small cash gaps and large urgent bills as quickly as possible:

Payday Loans

Our payday loans allow you to borrow from $100 to $1,000 and to repay the full amount on your next payday. No collateral or paperwork is required.

  • Repayment Terms: 7-31 days
  • Finance charges: $10-30 for each $100
  • Average APR: ~391%
  • Instant funding may be available if you choose the debit card option.

Disclaimer: Payday lending is not available in all states. Origination, NSF, and late fees may apply. Terms vary by state and are subject to your local laws and regulations.

Installment Loans

Our installment loans let you borrow more and repay over several months with fixed payments. We offer loans from $500 to $5,000 with terms of up to 24 months. 

  • Repayment Terms: 2-24 months
  • Average APR: 16%-200%
  • Instant funding may be available if you choose the debit card option.

Why Choose 1F Cash Advance?

Here’s why our customers trust us:

Secure Application

We use SSL encryption to protect your personal and financial information. Your data is never shared with third parties. Learn more in our Security Center.

Licensed and Compliant

We serve customers across the U.S. and follow all applicable federal and state laws to support a safe borrowing experience.

No Hidden Fees

The loan terms are clearly outlined in the financing agreement. They’re easy to understand, even if this is your first loan ever.

What Our Customers Say

Applied around 9 AM and had money in my account by 9:40. Worked as advertised. Ty!

Brandon T. 24 Dec, 2025

My car broke down and I needed cash fast that morning. Got approved, got the funds on my card in about 30 minutes after.Michael L.

Michael L. 30 Nov, 2025

I wasn't sure they'd approve me with my credit score, but they did. The money showed up in 1 hour.

Jamal R. 03 Nov, 2025

FAQ

How quickly can I get instant funding?

Same-day deposits depend on your bank's processing schedule and the time you submit your loan request. Applications received before 10:30 am on a business day have the best chance for immediate funding. If approved and eligible, you may receive funds in as little as 15 minutes.

Is instant funding available on weekends?

Online applications can be submitted anytime. However, loan requests received on weekends or holidays won't be processed until the next business day. Instant funding may be available on weekends for in-store applications after approval. Certain restrictions may apply.

What is the cost of an instant loan?

Fees may vary depending on your state of residence and the type of financing you apply for. On average, payday loans cost $10-$30 per $100 borrowed. Installment personal loans come with an interest (APR) based on your credit score and the details in your application. There's no extra fee for choosing the instant funding option.

What are other quick ways to get money without a loan?

If you need money immediately without taking out a loan, some employers may provide a paycheck advance. Ask your HR if that's possible. Otherwise, there are no obvious ways that will work for everyone. You may borrow from friends or family, sell unused items through a local online marketplace, or take on short-term work through a side gig or freelance platform.

How much can I borrow with instant funding?

The amount you can borrow depends on the loan type you choose. Our payday products allow you to borrow up to $1,000. Our installment loans range up to $5,000. Instant funding may be available for any approved amount and financing type if you meet the specified timeframes and our eligibility criteria.

What if instant funding isn't available for my account?

If your debit card or bank doesn't support instant transfers, we'll deposit funds to your bank account by the next business day with no extra charge