How It Works
1F Cash Advance offers payday and installment loans through a simple application process. Our loan products are ideal for covering a temporary cash shortage between paychecks. The application steps for both loan types are similar, and depending on your state, you can apply online, visit a store location, or use both methods.
How to Get Your Loan
Applying for a loan at 1F Cash Advance is quick and easy. Here’s how it works:
Start Your Application
Complete our online application in minutes or visit a nearby store location. You'll need to provide your personal and income information.
Get an Instant Decision
Complete our online application in minutes or visit a nearby store location. You'll need to provide your personal and income information.
Receive Your Funds
Online applicants receive funds deposited directly into their bank account, often the same day or by the next business day.* Store visitors can get their cash right away.
*No approval is guaranteed. Funding times may vary depending on the time and day of application. Applications finalized before 10:30 am local time on business days can be funded the same day. Applications completed after 10:30 am or on weekends and holidays are processed the next business day.
Why Apply with 1F Cash Advance
At 1F Cash Advance, our mission is to provide reliable and straightforward loan solutions to hard-working people facing urgent expenses. Here's what we offer:
Quick Decisions With No Credit Impact
Most applications receive approval decisions almost immediately, and we perform only soft credit checks that don't affect your credit score.
No Hidden Costs
All fees and repayment dates are clearly stated in the loan agreement before you choose to accept the offer.
Flexible Options
Enjoy the convenience of online applications available 24/7 or visit a nearby store for in-person assistance.
Licensed & Safe Experience
We operate in full compliance with federal and state laws. Our website uses a 256-bit encryption to protect your data.
Explore the Loans You Can Get
Here are the financial solutions that we provide:
Payday Loans
Our short-term loans from $100 to $1,000 are designed to cover small emergencies. Repay the full amount within 14 to 31 days.
Installment Loans
Get from $500 to $5,000 for your larger need and repay in equal monthly payments within 2 to 24 months.
FAQ
Can I get a loan the same day?
Yes. Online applications approved before 10:30 am local time on weekdays typically receive same-day deposits. In-store applicants can walk out with cash immediately. Weekend and evening applications can be funded the next business day.
What do I need to get approved?
To get approved with 1F Cash Advance, you need to be 18 or older, keep an active checking account, have a steady income source, and provide valid contact information. We'll also need your government ID and Social Security number.
Does 1F Cash Advance check my credit?
No. We only conduct a soft credit check, which doesn't affect your FICO score. We consider your overall financial situation and repayment ability.
How much do your loans cost?
Payday loans typically cost $10–$30 per $100 borrowed. Installment loans have varying APRs based on your state and loan terms. All costs are disclosed upfront before you accept any loan agreement.
What Else Do You Need to Know
Check Our Rates
Check the current payday and installment loan options available in your state. Find out more about rates and terms, or whether there are any limitations on rollovers.
Frequently Asked Questions
Most of your questions are probably answered here. Our FAQ section is always updated based on the questions we receive from our clients.
Can You Afford the Loan?
Every loan is a serious commitment. The 1F Cash Advance team strongly advises borrowing only the amount you need and always having a repayment plan in advance.