No Credit Check Loans
Apply online without affecting your FICO score
- Up to $5,000 in minutes
- Instant decision-making process
- Guaranteed approval
- Money 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.
Simple and Secure Installment Loans
An installment loan is an easy way to borrow up to $5,000. You choose a repayment term of 2 to 24 months, and your monthly payments remain the same from start to finish. Interest rates typically range from 6% to 36%, but can be higher depending on your credit profile. The entire process takes place online and is fast and straightforward, with no hidden fees or confusing terms. You'll see all the details upfront.
Here's what sets our installment loans apart:
No Co-Signer or Collateral Needed
You don't need to risk your car or home or involve someone else in your financial situation. Our loans are unsecured, and approval is based on your income and ability to repay.
Credit Score Doesn’t Define You
Good credit helps, but it’s not required. We are open to working with people who have fair, bad, or no credit, as long as they can show steady income.
Spend It on What Really Matters
There are no restrictions on how to use the funds. Whether it’s medical bills, rent, car repairs, or catching up on everyday costs, you decide what’s most important right now.
No Credit History? No Problem!
When you apply for a loan with 1F Cash Advance, no hard credit check is performed. This means your credit profile is not reviewed via the three major credit bureaus, and your FICO score will not be affected.
We are only focused on your current income and the ability to repay the loan, not your credit rating. This approach helps more people access the funds they need. It is a flexible solution for those with limited credit history or for anyone seeking a fast and hassle-free borrowing experience.
How to Get a Loan with No Credit Check
The loan request process is simple and fully online. You only need to complete three steps to get funded:
Fill out the application
Provide your personal, employment, and income details, along with a valid ID.
Apply NowGet a decision
There is no hard credit inquiry, so your FICO score remains unaffected. You’ll receive a response by email shortly after applying.
Receive your funds
Once approved and the agreement is signed, the funds are deposited directly into your bank account on the same day or by the next business day.*
*Same-day funding is available for applications approved before 10:30 am local time. Approvals after that time, on weekends, or federal holidays are processed on the next banking day.
Who Is Eligible
Guaranteed approval for online loans with no credit check is possible — but only if the borrower meets a set of basic eligibility requirements. These conditions help ensure the loan can be repaid responsibly. Below are the key criteria applicants must meet:
- Be at least 18 years old
- Be a U.S. citizen or legal resident
- Have a steady and verifiable source of income
- Have an active checking account
- Provide a valid government-issued photo ID and SSN
- Have a working phone number and email address
What Your Loan Can Cover
Online loans with no credit check can be used for a variety of everyday needs and unexpected expenses.
- Home improvements. Upgrade your space without the wait. Whether it’s new flooring or fresh paint, your loan can help you move forward today.
- Car repairs. Unexpected breakdown? Our loans can provide funds for urgent repairs so that you can get back on the road faster.
- Weddings. Celebrate your big day without financial stress. Use the money to pay for venues, attire, or last-minute costs.
- Vacations. Book the trip you’ve been putting off. A loan can help you pay now and plan your getaway on your terms.
- Medical expenses. Focus on recovery, not the bill. Use your loan to cover dental work, urgent care, or out-of-pocket costs.
- Debt consolidation. Combine existing debts into one simple payment. It’s a smart way to regain control and reduce interest over time.
Why Installment Loans Are the Better Choice
An installment loan from 1F Cash Advance stands out as a more predictable and flexible borrowing option for people in need of quick cash. Below is a comparison to help you see why no credit check installment loans may be a great solution:
| Feature | Installment Loan | Title Loan | Line of Credit |
|---|---|---|---|
| Loan Amounts | $100 – $5,000, accessible and flexible | Up to 50% of the vehicle’s value – limited by the asset | $500 – $50,000, but credit-dependent |
| Collateral Required | No – unsecured loan | Yes, your car is at risk | Sometimes, depends on the ender and the amount |
| Repayment Structure | Fixed monthly payments, easy to budget | Lump-sum repayment – high short-term burden | Minimum payments – risk of ongoing debt |
| Repayment Term | 2 – 24 months; longer, flexible timeframe | 15 – 60 days; short and stressful | Open-ended; no fixed schedule |
| Credit Score Requirement | None – credit-friendly for all borrowers | None, but the loan is secured by an asset | Usually required – may block approval |
| Credit Check | No hard credit check | No hard credit check | Typically involves a hard credit check |
| Access to Funds | Same-day direct deposit – quick and convenient | Cash or next-day deposit – relatively fast | 1–3 business days – slower and more complex |
We Offer Loans For Different Needs
1F Cash Advance provides multiple borrowing options, each with its own loan amounts, repayment periods, and interest rates. Regardless of the type you choose, all terms are disclosed upfront, with no hidden fees or unexpected costs.
Payday Loans
Payday loans are short-term cash advances of up to $1,000, typically due in full within 14 to 30 days. Apply for our payday loans online in 5 minutes, receive instant approval with no credit check, and get fast cash for urgent situations on the same day or by the next business day.
Installment Loans
Installment loans allow you to borrow between $500 and $5,000, with repayments spread evenly over 2 to 24 months. This option is ideal for planned or recurring expenses, offering a consistent monthly payment schedule.
Personal Loans
Personal loans range from $1,000 to $15,000 and come with flexible terms of up to 60 months. These funds can be used for a wide variety of purposes, including consolidating debt or covering major purchases.
Why Borrowers Choose 1F Cash Advance
1F Cash Advance offers no credit check loans with almost guaranteed approval. You can get emergency cash from a direct lender for urgent needs. Here’s what we offer:
Straightforward Loan Process
No collateral, guarantors, or hard credit checks are required. Applicants only need a steady income, a valid ID, and a bank account to complete the process online.
Instant Funding
Approved borrowers can receive funds as soon as the same business day, helping cover urgent expenses without delay.
Dedicated Customer Support
Our professional team is here to assist you at every stage, from application to repayment, ensuring clarity, reliability, and full transparency.
FAQ
What are no credit check loans, and how do they work?
No credit check loans are short-term financing options that come with no hard inquiry on your credit report. Approval is typically based on your current income and ability to repay. These loans are designed for borrowers with poor or limited credit history looking for a fast way to get emergency funds.
How much money can I borrow through an emergency loan?
Loan amounts vary depending on the loan type, your credit, and your financial profile. Emergency payday loans allow you to borrow from $100 to $1,000 online. No credit check Installment loans and personal loans offer amounts up to $5,000 and $15,000, respectively.
How fast are the application and approval processes for a personal loan?
The online application takes just a few minutes to complete. Most personal loan requests are reviewed within 1 hour. If approved, funds are typically deposited within one business day. You may receive them the same day if your application is submitted before 10:30 am.
What repayment terms are available for each loan type?
Small payday loans online are generally due within 31 days in one lump sum. Installment loans offer fixed terms from 2 to 24 months, while personal loans can be repaid over up to 60 months.
Can I pay off my loan early without penalties?
Most installment and personal loans do not charge early repayment fees. However, it’s important to review the loan agreement or contact your lender directly to ensure no prepayment penalties apply.
Is loan approval guaranteed once I apply?
Most applications are considered without denial; however, final approval depends on how well you meet our requirements and the accuracy of the information you provide. Your credit score is not a deciding factor. Even with a poor credit history, you may still qualify for a second chance loan.