Installment Loans in Bloomington, IL
At 430 N Main St, 61701
- (309) 448-4433
- 4+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on Saturday
- Personal installment loans
- Online application 24/7
1F Cash Advance Store in Bloomington
1F Cash Advance provides quick, short-term assistance for Illinois residents facing emergencies. You can complete a simple application in minutes and get instant cash with no credit check. Our Bloomington store is located near the McLean County Museum of History, making it easy to reach. Need personalized support? Our professional staff can help you find the best solution for your needs.
- 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
Installment Loans
Diana Ho
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In-Store Loan Products
Here are the options available at our Bloomington store:
Max. amount $5,000
You can get up to $5,000 and repay the funds over 2 to 24 months in equal monthly installments. These loans сan be used for a wide range of your personal needs, from minor repairs, unforeseen bills and emergency expenses to debt consolidation, home improvements, rent payments, and medical costs.
How to Apply with 1F Cash Advance?
We make the process simple so you can finish it in three easy steps:
Submit a form
Visit our store and let our staff help you complete your application. It will only take 5 minutes.
Receive an approval decision
The verification process only involves a soft credit check. You will get a loan decision almost instantly without any impact on your credit.
Get the funds
If approved, your loan will be transferred to you via a same-day direct deposit or issued in cash immediately.*
*Approval is not guaranteed. The loan eligibility is determined based on your income, employment status, debts, recent payment history, and other factors that demonstrate your current financial stability.
Applications approved before 10:30 am on weekdays can be funded on the same day. Later or weekend approvals will be processed on the next banking day. Instant cash loans are available to borrowers who provide post-dated checks for repayment.
Prepare the Following Items
We ask for basic details and documents to keep the process quick and easy. Here’s what you need:
- Valid government-issued photo ID
- Social Security number
- Proof of Illinois address
- Active bank account and routing numbers
- Proof of income
- Valid email and cell phone number
About 1F Cash Advance in Bloomington, Illinois
1F Cash Advance was founded in 2019 on the idea of helping people with bad credit obtain much-needed financial support on fair terms. For over five years, we’ve provided Illinois residents with fast, accessible, and easy-to-apply-for financial services. Our Bloomington store, opened in 2023, offers personalized assistance and a customer-centered approach. We put your needs first and work hard to help you find the right loan solution for your situation.
If you’re tired of complicated loan processes and the denials that come with traditional borrowing, we’re here to make your experience smooth and straightforward. Our professional team is always ready to help you make an informed decision.
Find Our Store Near You
Not in Bloomington? Find our nearby location in your city or apply online 24/7.
3520 S Morgan St #233, Chicago, IL 60609
Customer Notice
Payday loans are high-cost borrowing options that can create a cycle of debt. Illinois laws regulate them strictly and cap APRs at 36% to protect borrowers from their excessive costs. The maximum amount you can get with a payday loan in the state is limited to $1,000 or 25% of your gross monthly income, whichever is less. As the repayment terms range from 13 to 45 days, payday loans can only be used as a last resort option in case of small financial emergencies.
Before applying for a loan, determine the amount you need and make sure you can afford it. Read your loan agreement carefully and make sure you understand the terms, including the APR, fees, total loan cost, repayment options, and the due date. People with credit issues should seek credit counseling.
FAQ
Are payday loans legal in Illinois?
Payday lending is legal in Illinois. However, state laws limit the maximum loan amount you can borrow and cap an APR at 36%. 1F Cash Advance works under Illinois laws and fully complies with all the rules and regulations.
Can I get a payday loan with bad credit?
Sure. There are no minimum credit score requirements when you work with us. Your eligibility is determined based on your overall financial situation, including factors like your income, payment history, employment status, and current debt burden.
What is the maximum amount I can borrow in Bloomington?
The maximum amount you can get with us is $5,000. The exact amount you can qualify for will be determined based on your income and credit.
How quickly will I get my loan?
Borrowers usually receive their funds within 1 business day of approval. Loans finalized before 10:30 am on weekdays are often funded on the same day. In-store cash loans can be issued instantly if they are secured by a post-dated check.
Do I need a bank account to apply?
In most cases, a bank account is needed to fund your loan and collect payments. However, in-store applicants may receive cash loans against a post-dated check that covers the full amount due.
