Guaranteed Payday Loans from Direct Lenders
- Easy online application
- No fax, no teletrack
- Options for good and bad credit
- Same-day funding
- No impact on your credit score
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.
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When an emergency pops up and you need extra money fast, a payday loan can save the day. 1F Cash Advance provides short-term assistance with no third party involved and no rejection due to bad credit. Our loans come with instant and guaranteed approval decisions, as well as quick funding within 24 hours, allowing you to cover unexpected expenses before they add financial strain. Apply online and get up to $1,000 today.
What Are Direct Lender Payday Loans?
A direct lender payday loan is a small, short-term loan that you take out directly from a service provider with no middleman involvement. The lender handles every step, from reviewing your application to depositing money and collecting payments. This approach simplifies communication, ensures data security, speeds up approval, and eliminates broker fees, saving you money.
How to Apply Online with 1F Cash Advance?
1F Cash Advance helps you get guaranteed payday loans from direct lenders in 3 simple steps:
Submit your application
Complete our 5-minute application form via the website. No paperwork is needed.
Apply NowWait for a loan decision
Our system will automatically verify your application. The underwriting process comes with no hard credit check.
Get funded
If approved, e-sign the agreement and receive the money in your bank account on the same* or the next business day.
*Not all borrowers are eligible for same-day funding. Approvals before 10:30 am on weekdays are usually funded on the same day. Later or weekend applications will be processed on the next banking day.
What Do I Need to Qualify?
We only ask for a few items and basic information to approve you:
- Age of at least 18
- Valid government-issued photo ID
- Social Security number
- Proof of income
- Proof of address
- Active bank account and routing numbers
- Valid email and cell phone number
Guaranteed Installment Loans Are Your Safe Alternatives
If you need emergency funds with more repayment flexibility, 1F Cash Advance offers a safer alternative to high-risk payday loans. Unlike payday loans that need to be repaid in full in 2 to 4 weeks, installment loans allow you to split the total cost over a longer period and repay the funds in 2 to 24 months in fixed monthly installments.
At 1F Cash Advance, you can borrow up to $5,000 and choose a repayment period that keeps your loan payments within your budget. Applying with us is just as easy as 1-2-3. Approval is guaranteed for all qualifying borrowers. Request your loan online and receive the money you need as soon as today.
Why Choose 1F Cash Advance for Loans from a Direct Lender
1F Cash Advance offers fast loans with no brokers and no collateral required. We help people facing emergencies get the money they need. Here are the key benefits we offer.
Fast & Easy Loan Process
Our bad credit loans can be obtained online 24/7 without lengthy verifications, allowing you to get a guaranteed approval decision from a direct lender instantly.
Competitive Terms
Our interest rates are among the lowest for the types of loans we offer. All the terms are clearly stated before you sign, so you can compare offers and make an informed decision.
Fast Funding
With our instant payday loan options, you can get funds from a direct lender on the same or the next business day, depending on the time you apply.
FAQ
How much can I borrow with a no-denial payday loan?
At 1F Cash Advance, you can get a payday loan up to $1,000 with no third party involved. Loan amounts depend on your income and state laws–e.g., California caps at $255.
What are interest rates and fees associated with bad credit loans?
Loans for bad credit usually have a starting APR of 36%. Payday loans come with a flat fee for each $100 borrowed, which is usually from $10 to $30. This translates into an APR of 260% to 782% for a 14-day loan. Installment loan interest rates may reach 200%. Some states set interest rate caps on small loans, limiting a maximum APR to 36%.
How does a credit score affect my loan approval?
At 1F Cash Advance, your credit score doesn't affect your approval as long as you have sufficient income and are in good standing. However, your FICO rating may affect the interest rate you will get. A higher score usually results in a lower APR, saving you money in the long run.
What if I can't repay my loan on time?
Late payments usually result in NSF fees that vary by state. Loan default may also affect your credit score, making it difficult to qualify for a loan in the future. In case of any problems with repayment, contact the number specified in your loan agreement and ask about the options you have. In some states, you may be offered a flexible payment plan or loan deferment.
Why is it better to get payday loans from direct lenders only?
Taking out a payday loan from a direct lender or a broker is up to you. However, direct lenders offer several benefits, such as clear communication, data security, speed of the process, and lack of third-party fees.
Customer Notice
Payday loans are an expensive form of borrowing. They are designed to meet your short-term needs and are not intended to serve as a long-term solution. Use payday loans only for emergency expenses and ensure your ability to repay to avoid further financial problems and debt cycles. Alternative options include but are not limited to installment loans, personal loans, credit card cash advances, and loans from your family or friends. People who experience long-term financial problems or have credit issues should seek professional financial advice or credit counseling.