Payday Loan Alternatives in Stratford, CТ
at 2385 Main St #14, 06615
- (203) 941-6309
- 2+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on Saturday
- Installment loans, Payday loan alternatives
- Online application 24/7
1F Cash Advance Store in Stratford
1F Cash Advance is a trusted loan place in Stratford where you can get instant cash from a licensed direct lender with no hard credit check. Our store is easy to reach due to its convenient location near the Stratford railway station and Academy Hill Square Shopping Center. The 1F Cash Advance friendly team is ready to provide you with emergency funds today. We offer fast approval, guaranteed clear terms, and same-day funding to ensure our short-term loans can meet your urgent needs during unexpected expenses.
- 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
Charles Brown
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Small Loans We Offer
1F Cash Advance in Stratford, CT, provides financial products for your immediate cash needs:
Max. amount $1,000
Standard payday loans aren't allowed in Connecticut due to APR caps of 12% and strict fee limits ($17 per $100 on the first $600, then $11 per $100). We offer legal and safe alternatives that fully comply with state laws. Borrow up to $1,000 and pay it back in 14-31 days. We issue funds for any urgent needs, be it emergency bills, car repairs, or medical costs.
Max. amount $5,000
An installment loan lets you cover larger expenses and stay on top of your budget thanks to their longer terms and predictable payments. You may get up to $5,000 from 1F Cash Advance, even with bad credit, and repay the funds in fixed monthly installments over up to 24 months.
In-Store Loan Application
We provide our loans quickly in just three simple steps:
Fill out an application
Get in-person help from our team. The process can be completed in minutes.
Get approved
Our loans usually come with no hard credit checks, so loan decisions arrive almost instantly.
Receive the money
If approved, get cash in-store or receive a same-day direct deposit to your bank account.*
*Approval is subject to qualifications. Loans approved before 10:30 am on weekdays are usually funded the same day. Applications after that time or on weekends are processed the next business day. Instant cash is available with a post-dated check for the full amount due.
Get Ready for Your Store Visit
Here are the basic documents and information we ask for:
- Valid government-issued photo ID
- Social Security number
- Proof of income
- Proof of address
- Active checking account and routing number
- Working email and cell phone number
About 1F Cash Advance in Stratford, Connecticut
1F Cash Advance is a trusted loan company that has served communities since 2019. We are here to offer fast, accessible, and fair financial services to people in Connecticut and across the US.
Our friendly team at 2385 Main St #14 in Stratford is ready to provide short-term support and help you get back on track quickly. We’re open Monday through Saturday so that you can get emergency cash any day you need it. The application takes minutes, and our staff will guide you step by step to ensure you find the right option and fully understand the terms. Visit us today and get a legitimate bad credit loan with transparent terms and fast funding.
How to Use Short-Term Loans
Short-term loans are not intended for long-term financial needs. We advise you to use them for emergencies only. Make sure you can repay the loan on time before applying to avoid possible extra fees and credit issues. If you struggle with bills or debt, consider professional counseling or community support before you borrow.
FAQ
Are payday loans illegal in Connecticut?
Traditional payday loans are not allowed in CT due to the specific state loan regulations. However, you can get their legal alternatives that follow Connecticut APR and fee caps.
I have bad credit. Can I still qualify?
1F Cash Advance accepts borrowers with any credit. However, approval depends on certain qualifications and is not guaranteed. We review your income, financial obligations, and credit history from alternative sources to verify your eligibility.
How many payday loans can you get in Connecticut?
Payday loans aren't offered in Connecticut in their usual form. Instead, you may request legitimate loan products that meet state regulation caps. The number of loans you can have at a time depends on your income and credit. However, we recommend you having only one short-term loan at a time.
How quickly will I get funded?
1F Cash Advance loans approved before 10:30 am are funded the same day. Otherwise, your application will be processed on the next business day. The exact time also depends on your bank policies.
Can I get a loan online?
You can request an online loan from 1F Cash Advance 24/7. All you need to do is complete a simple application form on our website.
What are other ways to borrow a quick cash loan?
You may consider credit union PALs, small personal loans, earned wage access or an employer advance, payment plans with service providers, second chance loans from pawn shops, and local assistance programs.
