Direct Lender Installment Loans
- Loans up to $5,000
- Flexible monthly payments
- Easy approval process
- No credit checks
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 life becomes challenging, 1F Cash Advance is here to offer you smart financial solutions to get through it. Our installment loans give you money for larger expenses and unexpected life events. Borrow from $500 to $5,000 with more time to pay back in budget-friendly installments.
This guide explains:
- Benefits of borrowing from a direct lender
- Steps to take to get an installment loan
- Potential rates and terms
- How to make your experience stress-free
Get an Emergency Loan from a Trusted Direct Lender
Dealing with a direct lender means clear communication, a faster loan process, no third-party fees, and secure data handling. This improves the overall borrowing experience and ensures you won’t miss key details. By choosing 1F Cash Advance, you choose a trusted lending partner that is always by your side when you need it most. With us, you can find a suitable installment loan offer in a few clicks and receive the funds from a direct lender with as little stress as possible.
How Does the Process Work?
Access our flexible loan option in these three easy steps:
Share your information
Tell us a little bit about yourself by completing our easy online form.
Apply NowGet a quick decision
If approved, e-sign a loan agreement to finalize your loan.
Receive the funds
The money will be available in your bank account no later than the next business day.*
*Approval is not guaranteed and is based on specific criteria. Loans finalized before 10:30 am on a weekday may be deposited the same day. Approvals after 10:30 am, on weekends, or on holidays will be funded the next banking day.
Eligibility List
To be eligible, you need to:
- Be at least 18 years old
- Be a US citizen or permanent resident
- Provide your valid ID and SSN
- Show proof of income and address
- Have an active bank account in your name
- Specify your active cell phone number and email
Installment Loan Terms and Rates
Installment loan terms are subject to approval based on factors like your state, income, credit, and payment history. Here’s a quick overview:
- Loan amounts: $500 to $5,000
- Repayment terms: 2 to 24 months
- Starting APR: 16%
- Fees: origination and late fees may apply in some states
- Security: unsecured; no collateral is needed
The table below shows how the total cost and monthly payment can change with the loan amount, APR, and repayment period.
| Loan Amount | Repayment Term (months) | APR | Monthly Payment | Total Cost |
|---|---|---|---|---|
| $500 | 3 | 16.84% | $171.37 | $514.10 |
| $1,000 | 6 | 22.99% | $178.02 | $1,068.11 |
| $3,000 | 12 | 28.70% | $290.55 | $3,486.56 |
| $5,000 | 18 | 34.88% | $360.68 | $6,492.26 |
*The above calculations are for illustrative purposes only. Examples are provided based on recent 1F Cash Advance approvals received by borrowers with good credit.
Why Choose 1F Cash Advance
At 1F Cash Advance, we listen to the needs of our customers and provide both short-term assistance and long-term solutions that they were lacking. We know that life is full of unexpected twists. Our goal is to help you overcome them rather than judge. Here’s what sets us apart:
Willingness to Help
We believe in people and provide the assistance they deserve, no matter their past credit issues. Even if you have poor credit, we are here to give you a second chance by offering an easy approval process with a focus on your overall financial situation.
Transparency
All the borrowing terms will be outlined in your loan agreement to ensure you will know what to expect. Instead of hiding the details from you, we do our best to help you make an informed financial choice.
Personal Attention
We are professionals, and we use our expertise to clarify things for you and ensure a seamless borrowing experience. Our staff is always at your service to help you address your problems and get financial relief.
Financial Solutions with a Focus on a Better Tomorrow
1F Cash Advance encourages people to manage financial products wisely. Therefore, we teach consumers about responsible loan use and financial literacy to help them achieve a better financial future with us. We offer convenient repayment options to ensure you can comfortably meet your obligations.
Before obtaining a loan, make sure it fits your current situation and budget. Pay special attention to the APR, fees, due dates, and other conditions. This way, borrowing will be a powerful tool that serves your goals rather than straining your finances.
FAQ
Where can I find a direct lender near me?
If you want to apply in person, 1F Cash Advance has multiple locations across the US. You can find our stores in Arizona, Ohio, Virginia, and many other states. Alternatively, we can help you find a direct lender online. Just request an installment loan via the website, wait for a short application review, and receive an instant approval decision from a legit lending partner in your area.
How soon will I get the funds?
Generally, money appears in your bank account by the next business day after approval. If you need money on the same day, try to finalize your loan before 10:30 am on a weekday.
What are my approval chances if I have a 600 credit score?
Our direct lender installment loans can be a smart solution for bad credit borrowers, as they involve no hard credit check. However, interest rates tend to be higher for people with a 600 credit score or lower.