Payday Loans in Springfield, MO
at 224 N Stewart Ave suite 104, 65802
- (417) 815-3155
- Serving Springfield since 2023
- Apply in-store 8 am – 10 pm (Mon–Fri)
- Open on Saturday
- Payday loans, Installment loans
- Online application 24/7
1F Cash Advance Store in Springfield
Emergencies don’t wait, and we are here when you need fast help. 1F Cash Advance can connect you with state-licensed lenders who offer payday loans in Springfield, Missouri, with quick processing and same-day funding. Through us, you can get help covering emergency expenses, even if you have poor credit. We are a licensed company that follows all state regulations to keep your information and finances safe.
You are welcome to visit our store, get personalized assistance, and receive instant cash from one of the direct lenders in our network. We are located near the STD Flea Market and Bee Clean Carpet & Restoration and are always here to help when you are in a tough financial spot.
- 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
Jennifer Miles
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Loan Products
At 1F Cash Advance in Springfield, you can access several loan options tailored to your specific needs. Whether you’re facing a short-term cash crunch or planning for a bigger expense, our lenders can help.
Payday Loans
Max. amount $500
Payday loans offer up to $500, often available on the same day. They may be suitable for covering unexpected expenses, such as urgent bills, minor car or home repairs, or medical costs. Repay the full amount in one payment in 7–31 days, with the due date set by your next paycheck.
Installment Loans
Max. amount $5,000
For larger expenses, installment loans provide more flexibility due to a longer repayment period, making your payments easier to handle. Borrow between $500 and $5,000 and pay it back through manageable monthly payments over 2–24 months.
Follow These Steps to Get a Loan
Here is what you need to do to apply:
Come to Our Local Store
Visit a nearby 1F Cash Advance location. The application is easy, secure, and takes just a few minutes to complete.
Get a Fast Decision
Your application will be reviewed right away, so you can receive an approval decision in minutes.
Receive Your Money
Once approved, your loan will be issued in cash or transferred via direct deposit on the same day.*
*Loan approval is not guaranteed. Soft credit checks are conducted to assess your repayment ability. A hard inquiry may be a part of the final approval.
Approvals before 10:30 am on business days are usually funded on the same day. Any post-time or weekend/holiday applications will be processed on the next business day. Instant cash can be offered to in-store applicants who repay via a post-dated check.
What Do You Need to Apply?
Get the following items ready upon your store visit to speed up the process:
- A valid cell phone number and email address
- Social Security Number
- Bank account details
- Proof of income (pay stubs or benefits statements)
- Valid government-issued photo ID (must be 18+)
- Proof of your current Missouri address
- Your employer’s contact information
About 1F Cash Advance in Springfield, Missouri
At 1F Cash Advance we have been connecting people with lenders who offer payday and installment loans in Missouri since 2019. Our Springfield store opened its doors in 2023 to provide residents with more personal service and face-to-face help. We help borrowers across the credit spectrum find fast and accessible loan solutions tailored to their needs. Our partners are state-licensed lenders who operate under all applicable lending laws and disclose all the terms and charges before you sign. Their easy-to-meet requirements and a straightforward loan process let you get the money quickly in an emergency.
Find a Store Nearby
1F Cash Advance offers its services across Missouri. Check our locations in other cities across the state and visit the one near you.
1001 Highlands Plaza Drive STE 250, St. Louis, MO 63110
Consider Payday Loans Only as a Last Resort
Payday loans are designed to address short-term financial needs, rather than providing long-term solutions. Repeated borrowing can result in high total costs and a debt cycle. In Missouri, state data show the average payday loan carried a 406.26% interest rate during the most recent reporting period.1 Only use payday loans for emergencies and small cash shortfalls.
Before applying, consider your budget and create a realistic repayment plan. Make sure the loan suits your financial situation, and you can comfortably repay it on time. If you need more time for repayment, consider alternatives. Borrowers with credit issues or ongoing financial problems should seek professional counseling.
FAQ
Are payday loans legal in Missouri?
Payday loans are legal across Missouri but come with limits on the maximum amount and finance charge. Lenders are not allowed to charge more than 75% of the loan principal, covering all interest and any fees associated with renewals or late payments.
Can I get a payday loan with bad credit?
1F Cash Advance lenders offer payday loans to Missouri residents with bad or no credit. They evaluate your income and overall financial health when making loan decisions. They rely more on your ability to repay, not on your FICO score.
How much can I borrow in Springfield?
In Springfield, Missouri, you can get a payday loan of up to $500 or an installment loan of up to $5,000. The exact amount is calculated based on your income and credit.
How quickly will I get the money?
If you get approved before 10:30 am on weekdays, you may be eligible for a same-day payday loan in Springfield, MO. Applications submitted later are typically funded by the next business day. Cash loans issued in-store are offered against a post-dated check only.
Do I need a bank account?
In most cases, a bank account is needed to get the funds and set up automatic repayment. However, in-store applicants who provide post-dated checks for repayment may receive their loans in cash. Some lenders may also transfer the money directly to your debit card.
Sources
- 1 Missouri Division of Finance — Payday Lender Survey 2025 — Report to General Assembly pursuant to § 408.506 RSMo — average payday loan interest rate of 406.26% for the reporting period October 1, 2023–September 30, 2024. February 2025.
Contact Us
If you have any questions, feel free to contact us! Choose the option that works best for you:
