Frequently Asked Questions - General FAQs

Q: How much money can I borrow?

At 1F Cash Advance, you can borrow between $100 and $5,000 , depending on the loan type. In some states, eligible borrowers can get personal loans of up to $10,000. Your income and local regulations also affect the maximum amount you can borrow. Check your state page for more details.

We Treat Every Question Seriously

As online loans become more popular, we receive many questions about payday loans, installment loans, cash advances, and other related topics. We’ve gathered the most common and important questions with clear answers explaining how our loans work. For easier navigation, our FAQ is organized by loan type.

General FAQs

What types of loans does 1F Cash Advance offer?

At 1F Cash Advance, you can obtain short-term loans, including payday loans and installment loans. Loan availability may vary by state.

How does 1F Cash Advance work?

1F Cash Advance makes the process of getting a loan simple and straightforward. Once you submit an application form, it undergoes a quick underwriting process that assesses your overall financial situation. If approved, you will receive a loan offer via email. Once you accept the terms, the funds are usually deposited into your bank account as soon as the same or the next business day. Learn more about how it works.

How much money can I borrow?

At 1F Cash Advance, you can borrow between $100 and $5,000, depending on the loan type. In some states, eligible borrowers can get personal loans of up to $10,000. Your income and local regulations also affect the maximum amount you can borrow. Check your state page for more details.

How long does it take to get approved and receive my funds?

Most applicants receive instant decisions once the underwriting process is complete. It typically takes about 5 to 10 minutes. If approved, the funds can reach your account as soon as the next business day. Same-day funding is possible for online approvals before 10:30 am on a weekday or for in-store applicants who borrow against a post-dated check.

Does 1F Cash Advance check my credit?

1F Cash Advance loans usually come with a soft credit inquiry to verify your personal and financial information. Such a check does not affect your credit score. However, a hard credit pull may be performed for some loan types to assess your creditworthiness.

Can I get a loan with bad or no credit history?

Yes, loans from 1F Cash Advance suit borrowers who have poor or limited credit. We are focused on your income and repayment ability rather than your credit score.

Can I apply if my income comes from Social Security, disability, or unemployment?

We may accept income from alternative sources as long as it is regular and verifiable. However, income requirements may vary, depending on the loan amount and type. You're welcome to pre-qualify online to see how likely you are to get approved.

Are there any hidden fees or extra charges?

No, we charge no application fees for our services and ensure transparent terms for each loan offer. Loan APRs, due dates, and associated fees are clearly disclosed in the loan agreement. Always read the contract carefully before signing.

Is 1F Cash Advance licensed and regulated?

Yes. 1F Cash Advance is licensed to operate in all states where it offers its services. We follow all the local and federal consumer-protection standards to ensure safe borrowing.

Is my online application and personal information secure?

Your data safety is our top priority. Our website uses advanced SSL encryption and secure servers to protect your information throughout the application process. Learn more about how we protect your data.

How do I contact customer support or check my loan status?

You can reach our customer support team by sending an email at [email protected], calling (720) 428-2247, or filling out a contact form on the website.