Indiana Payday Loans
- Apply online or at a location
- Guaranteed approval decisions
- No credit check
- Same-day funding*
- Loans of up to $825
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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Payday loans are short-term loans designed for emergency expenses, such as utility bills, medical costs, or car repairs. These loans are due by your next paycheck. At 1F Cash Advance, we offer fast online solutions across Indiana, from Lafayette to Hammond.
How the Loan Process Works
Our payday loan process is as simple as 1-2-3:
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Submit your application. Complete our easy online form in minutes or visit our Indiana store for personalized assistance.
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Receive a loan decision. The underwriting process is fast since no credit check is performed, so you'll know almost instantly whether you're approved.
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Get funded. If approved, get a same-day* deposit to your bank account to meet your urgent needs.
*Applications processed before 10:30 am ET on a business day are usually funded on the same day. Loans finalized after 10:30 am ET or on weekends will be deposited on the next banking day.
What Do I Need to Start an Application?
Prepare the following items in advance for a smooth loan process:
- Government-issued photo ID
- Social Security Number
- Checking account and routing numbers
- Proof of address
- Proof of income
- Valid email and phone number
Rates & Terms
The maximum payday loan amount offered by 1F Cash Advance in Indiana is 20% of your gross monthly income. For online payday loans, you can borrow up to $825. The minimum repayment period is 14 days, while the maximum term is 35 days. A one-time $25 NSF fee may be charged for a returned ACH payment.
Indiana law mandates a 7-day cooling off period once you pay off the 5th consecutive payday loan transaction.
Here are cost examples for a 14-day loan:
| Amount Financed | Finance Charge | APR | Total Cost |
|---|---|---|---|
| $100 | $15 | 391.07% | $115 |
| $200 | $30 | 391.07% | $230 |
| $300 | $44 | 382.38% | $344 |
| $400 | $57 | 371.52% | $457 |
| $500 | $67 | $349.36 | $567 |
Small Loan Warning: A small loan is not intended to meet long term financial needs. A small loan should be used only to meet short term cash needs. ▼
Find 1F Cash Advance in Indiana
1F Cash Advance works with borrowers all over Indiana, including Indianapolis, Fort Wayne, Evansville, Fishers, South Bend, and much more. You can choose to apply completely online or visit our store for personalized assistance.
Not in Indiana? We operate throughout the US! Visit our store locator page to find a location near you.
Find a StoreWhy Choose 1F Cash Advance
1F Cash Advance is dedicated to helping people with any credit get fast cash when they need it, as quickly as possible. Here’s what makes us your one-stop money solution:
Easy Application Process
With us, you can get an online cash advance across Indiana from the comfort of your home, without undergoing a hard credit check. The entire process usually takes just a few minutes.
Transparent Loan Terms
We apply no hidden fees or application charges. The borrowing terms are easy to understand, and they will be clearly stated in your loan agreement.
Excellent Customer Service
No matter what your question is, our customer support team is always here to provide professional assistance. Call us at (463) 220-4628 or write an email at [email protected].
We're Proud to Serve Indiana Residents
See what our customers say about us:
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
FAQ
Can I get a loan with bad credit?
1F Cash Advance doesn't set any minimum credit score requirements. However, there are no guaranteed payday loans. Online loans for bad credit are subject to approval. Indiana residents need to prove their repayment capabilities to qualify.
Will applying for a payday loan affect my credit score?
Loans from 1F Cash Advance come with no credit check via major credit bureaus, meaning that your FICO rating won't be affected. The verification process only involves a soft check via third-party agencies.
What if I can't repay my loan on time?
Late payments result in a one-time charge of up to $25. At the time you enter the third, fourth, or fifth consecutive loan, 1F Cash Advance is required to offer you an extended payment plan (EPP). You are permitted to request an EPP at any time during the term of a third or subsequent consecutive small loan if you have not defaulted on the outstanding small loan, provided the period in which you have a right to cancel and rescind the loan has expired.