no credit check instant cash advance
no credit check instant cash advance

Instant Cash Advance

  • Online Application in Minutes
  • Instant Approval Decisions
  • Payday Loans and Cash Advances for Bad Credit
  • No Traditional Credit Checks
  • Funding within 24 Hours
Written by Michael Lefler | Reviewed by Latoria Williams

Advertiser Disclaimer


1F Cash Advance is a financial platform that doesn’t offer loans. We connect you to potential lenders but don’t promise you'll get approved for a loan. The terms, rates, and fees may be discussed with the lender you were approved with. We recommend getting advice from a financial expert about dealing with money struggles without risky loans. For more information, read our full Legal Disclaimer.

Advertiser Disclaimer


1F Cash Advance is a financial platform that doesn’t offer loans. We connect you to potential lenders but don’t promise you'll get approved for a loan. The terms, rates, and fees may be discussed with the lender you were approved with. We recommend getting advice from a financial expert about dealing with money struggles without risky loans. For more information, read our full Legal Disclaimer.

An instant cash advance (also known as a payday loan) helps bad credit individuals get much-needed financial support in case of emergencies.

At 1F Cash Advance, you can get a quick payday loan approval decision from a reputable lender. As there's no hard credit check performed, your credit scores are not an obstacle. Our online process, with almost guaranteed approval and fast funding times, makes our cash advance loans a lifeline for urgent needs.

What Is a Cash Advance?

There are several types of instant cash advances you can access.

Traditionally, a cash advance refers to the money you withdraw from the balance of your credit card within the set limits.

There are also merchant cash advances that provide financing against your future credit card sales.

A few more options include cash advances available via mobile apps, and cash advance loans offered by alternative lenders.

Such loans are also known as payday loans. They allow you to borrow up to $1,000 without undergoing a hard credit check and repay the money in full within 2 to 4 weeks. Cash advance loans are fast and easy to get but often come with high interest rates.

Am I Eligible for an Online Cash Advance Loan?

A cash advance loan usually has very lenient eligibility criteria. Although they vary by lender, you commonly need to:

  • Reach the age of majority in your state (18 or older);
  • Be a US permanent resident with a valid ID;
  • Have an active bank account;
  • Provide income confirmation.
get your no credit check instant cash advance online

Instant Cash Advance Loan Without a Credit Check: How It Works?

A no-credit-check instant cash advance loan is available completely online. You can request it by filling out a simple application form on our website.

Then, one of the direct lenders from our network will review your application details (a soft credit check) and send you an almost instant approval decision.

If approved, you read the terms and e-sign the documents if the conditions fit you.

Finally, a lender transfers money into your checking account in as little as one business day.

The repayment is usually made automatically, so you only need to ensure you have enough money in your bank account when the due date comes.

Can I Get Approved for a Cash Advance in Minutes?

Sure, you can! Most 1F Cash Advance’s partner lenders run soft credit checks only, so the verification process usually takes less than 15 minutes. Borrowers typically get their approval decisions via email within just one hour or less. If approved, the cash advance loan will be transferred to your bank account by the end of the next business day.

Benefits of Online Cash Advance Loans

Online cash advance loans may be a lifesaver in case of financial emergencies. They offer the following advantages:

  • Convenient application process. You can borrow money online from the comfort of your home;
  • Almost instant approval decisions. Lenders usually send their responses within one hour or less;
  • No minimum credit score requirements. Your credit history is not a determining factor as lenders access your overall financial shape;
  • No impact on your credit score. A soft credit check cash advance lenders make leaves no traces in your credit report;
  • Quick funding. You can get a same-day or next-day deposit directly into your bank account;
  • Safe borrowing process. Reputable online lenders use encryption technologies to protect borrowers' data from theft.

How to Get Payday Loans Online with Instant Approval?

The process of obtaining online payday loans with instant approval involves the following steps:

  • Check your credit score. This will give you a better understanding of loans you can be eligible for.

  • Explore your options. Shop around and choose several loan providers with a good reputation and the most favorable loan terms.

  • Prepare all the needed documents and information. You may need your ID, proof of income (pay stubs or bank statements), bank account details, and personal information, such as your name, address, phone number, and Social Security number.

  • Pre-qualify. Most online lenders don't access your credit report details when they review your loan request. Thus, you can send several loan requests to have more offers to compare. This will not affect your credit rating.

  • Choose the lender with the best terms. Pay attention to interest rates, repayment periods, fees, and other details. Then, submit the documents required for final approval.

  • Review the final offer carefully. Make sure your loan agreement is transparent and you fully understand what you're going into before signing the documents.

  • Have a solid repayment plan. Only borrow what you need and what you can comfortably repay without sacrificing your basic needs.

Options for Instant Cash Online We Offer

1F Cash Advance offers several loan options for instant cash online to meet both your long-term and short-term needs:

Online payday loans

These loans allow you to borrow up to $1,000 for up to 31 days. The repayment is typically made in full when you receive your next paycheck.

Online installment loans

Installment loans are similar to personal loans but can be obtained with bad credit. Loan amounts range from $1,000 to $5,000, and the repayment is made in affordable monthly installments within up to 24 months.

Cash advance app loans

Our cash advance app provides fast financing via your smartphone. You can get up to $5,000 in just a few taps and choose the repayment option that is convenient for you.

Other Ways to Get Instant Cash

Don’t find a suitable option but still need money quickly? Here are a few alternatives.

Payday Alternative Loans

A payday alternative loan (PAL) is an option offered by credit unions. It has longer repayment terms of up to 6 months and a lower interest rate that can’t exceed 28%. To get one, you need to be a member of a certain credit union.

Pawn Shop Loans

If you have some valuable asset, such as jewelry, musical instruments, or electronics, you can borrow money against it in a pawn shop. A pawnbroker will give you a portion of the item’s cost right into your hands. Then, you need to repay the money with interest within the agreed-upon period to get your asset back.

Family Loans

Borrowing from your family may be an option if you need a small amount quickly. You can get more flexibility without being charged any interest. Just make sure you can repay the borrowed sum on time to maintain good relationships with your loved ones.

Why Choose 1F Cash Advance for an Online Cash Advance?

1F Cash Advance is a reliable service designed to connect borrowers with trusted direct lenders across the US. With our help, you can get an almost instant payday loan approval decision, even with bad credit. The process is fast, convenient, and safe due to our secure online process that doesn’t involve traditional credit checks. Fill out a loan application form and access offers from multiple loan providers in a matter of minutes.


How Fast Are Your Cash Advance Loans?

Most borrowers get our cash advance loans as soon as the next business day. Some lenders may even offer a same-day deposit if you apply before noon on a weekday.

Does 1F Cash Advance Offer Payday Loans with Guaranteed Approval?

There are no payday loan options that are 100% guaranteed, as lenders need to ensure you meet the requirements and can repay the funds. However, our approval rates are very high, as our partners pay no attention to your credit score.

What Credit Score Do I Need to Get Online Cash Advances?

We set no minimum credit score requirements and accept borrowers with bad or no credit. However, some lenders may have their minimums.

Is It a Good Idea to Take out a Cash Advance?

It always depends on your specific financial situation. A cash advance may be a good idea if you have an emergency and need money quickly or can't access traditional loans due to bad credit. However, you need to choose a reliable lender, review your loan terms carefully, explore alternatives, and be sure you can repay the loan on time.

Can I Get a Cash Advance Online with No Hard Credit Check?

You're welcome! 1F Cash Advance partners with lenders that don't perform hard credit checks and offer a 100% online application process. You can apply by filling out a simple form on our website.

What Are the Consequences of Not Repaying My Cash Advance on Time?

Late payments usually involve extra fees and may affect your credit score. If you face a problem with repaying your loan, discuss your situation with the lender. It may offer you an extended repayment plan or other ways to help you handle your debt.