Payday Loans in Montgomery, AL
at 71 Commerce St, 36104
- (334) 213-9885
- 4+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on Saturday
- Payday loans, installment loans
- Online application 24/7
1F Cash Advance Store in Montgomery
In times of financial emergency, 1F Cash Advance provides Alabama residents with quick support. The loans we offer are designed with customers in mind, delivering transparency, accessibility, and speed. Visit us today, get an instant approval decision, and receive the cash you need on the same day, even with bad credit. The Montgomery store is located near the Montgomery Performing Arts Center and the Hank Williams Museum, so you can reach us conveniently. Our professional team is always here to assist you each step of the process.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday9 am – 6 pm
- SundayClosed
Payday Loans, Installment Loans
Chad Nestor
Tried our service?
In-Store Loan Products
Here are the products we offer at our Montgomery location.
Payday Loans
Max. amount $500
With our payday loans in Montgomery, you can borrow up to $500 to cover small emergencies and unexpected expenses. The repayment terms range from 10 to 31 days, allowing you to avoid a long-term financial commitment.
Installment Loans
Max. amount $5,000
An installment loan can help you meet your long-term needs or finance large purchases. Get up to $5,000 and repay the funds in fixed installments over up to 24 months. This makes budgeting easier and allows you to adjust your monthly payments to your finances.
Loan Application Process
We value your time and do our best so that you can get back to your day quickly. The application process involves just 3 simple steps:
Visit our store
Bring the basic documents and spend 5 minutes completing an easy and secure form. Our team will do the rest of the work for you.
Wait for approval
There's no hard credit check performed as part of the underwriting process, allowing you to receive an almost instant loan decision.
Get the loan fund
If approved, the money will be issued in cash immediately or transferred via a same-day direct deposit to your bank account.*
*No approval is guaranteed. A loan decision is made based on your application and financial details.
Same-day funding is possible for loans originated before 10:30 am on weekdays. Approvals after 10:30 am or on weekends are processed on the next banking day. Instant cash loans are offered to applicants who provide post-dated checks for repayment.
What to Bring In-Store
We make the entire process simple so that you can complete it quickly when an emergency happens. Here’s what we ask for:
- Valid US-issued photo ID
- Social Security number
- Valid email and cell phone number
- Active bank account details
- Proof of income
- Proof of Alabama address
About 1F Cash Advance in Montgomery, Alabama
For over five years, 1F Cash Advance has been helping people in Alabama address their financial needs quickly and effectively. Our Montgomery store opened in 2023, reflecting our commitment to providing personalized, customer-focused loan services for those who need an individual approach.
We understand that life happens, so we don’t judge you by your credit history. Instead, we provide fair financing options to people who can’t otherwise get the money they need to overcome temporary financial problems. With transparent terms, a simple application and approval process, and fast funding, we are your one-stop loan shop among all the lenders in Montgomery, AL.
Customer Notice
1F Cash Advance stands for responsible borrowing. Payday loans are not designed for your ongoing needs and can be expensive if used for a long period. Only use them for small emergencies and unexpected expenses, and explore cheaper options first. Before applying, decide on a realistic loan amount and make sure you can repay it on time. Refrain from borrowing if you experience long-term financial problems and seek professional counseling instead.
FAQ
How fast will I get my payday loan funds?
On average, loan funds arrive within 1 business day of approval. Same-day deposits are possible for borrowers who finalize their loans before 10:30 am on a weekday. In-store applicants who repay via a post-dated check can get instant cash right away once approved.
Can I qualify for a loan with bad credit?
1F Cash Advance sets no minimum credit score requirements. We accept borrowers with bad or no credit as long as they can show their ability to repay.
Do you check my credit score?
The verification process involves a soft credit check that assesses your income, debts, employment status, and recent payment history. Such an inquiry takes a few minutes and doesn't affect your FICO rating.
Is it legal to get a payday loan in Alabama?
Payday loans are legal in Alabama, but certain limits on a maximum loan amount and finance charge apply. 1F Cash Advance strictly follows all the state rules and regulations.
What are my options if I can't repay the loan on time?
Late payments in Alabama may involve an NSF fee of up to $30. Additionally, defaulting on your loan may affect your credit score. If you experience difficulties with repayment, contact the number specified in your loan agreement and ask for a repayment plan.
