Payday Loans in St. Louis, Missouri
at 1001 Highlands Plaza Drive STE 250, 63110
- (314) 912-2916
- Serving St. Louis since 2023
- Apply in-store 8 am – 10 pm (Mon–Fri)
- Open on Saturday
- Payday loans, installment loans
1F Cash Advance Store in St. Louis
1F Cash Advance makes getting a payday loan in Missouri fast and simple. Our St. Louis store is located near the St. Louis Community College – Forest Park. You can trust us when it comes to finding quick and easy loans designed for various needs, including bad credit. Visit us today and get instant cash or have funds deposited directly to your bank account within one business day. No hard credit check is needed to explore your options. Our team is here to walk you through the process and offer personalized assistance tailored to your situation.
- 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
Denise Blum
Tried our service?
Products Available In-Store
We know that each situation is unique. Our St. Louis store offers several types of loans to meet both your short-term and long-term needs.
Payday Loans
Max. amount $500
Payday loans provide quick financial support between $100 and $500 to fit your small emergency needs. Use the funds to cover an unforeseen bill, repair a car, or bridge the gap between paychecks and repay it in full within 14 to 31 days.
Installment Loans
Max. amount $5,000
An installment loan in St. Louis, MO, offers a flexible solution to your larger financial goals. Borrow up to $5,000 for 2–24 months and repay in fixed monthly installments. This predictability makes it easier to budget while keeping your payments manageable.
How to Apply for a Loan
The 1F Cash Advance application process is as easy and straightforward as 1-2-3:
Apply at a store
Visit our location and let our team guide you through the application. It will take you just 5 minutes to complete our easy and secure form.
Get an approval decision
Lenders in our network will quickly assess your application and send you a response shortly after.
Receive your loan
If approved*, your loan can be issued in cash instantly or deposited into your bank account on the same or the next banking day.**
*Approval is subject to qualifications and is not guaranteed. Lenders will review your income, employment stability, debts, and payment history as part of the verification process. Some partners may perform a hard credit check as part of the final approval.
**Loans originated before 10:30 am on weekdays usually come with same-day funding. Approvals after 10:30 am or on weekends will be funded on the next business day. Options for instant cash are only available to in-store applicants who repay the loan via post-dated checks.
What You Need for an In-Store Application
You only need a few basic items to apply:
- Valid US-issued photo ID
- Social Security number
- Proof of income
- Active bank account and routing numbers
- Proof of Missouri address
- Valid email and phone number
About 1F Cash Advance in St. Louis, MO
1F Cash Advance has been operating in Missouri since 2019, helping borrowers find quick financial assistance regardless of credit score. In 2023, we opened our store in St. Louis to help people access fast loans tailored to their needs.
We believe that everyone deserves a second chance and partner with lenders who accept borrowers with poor or no credit. By offering transparent terms, a secure loan process, fast approval, and quick funding, we make sure you get the help you need when you need it most.
Find Our Store Near You
We have payday loan stores across Missouri. Pick the nearest location from the list below and visit us today.
224 N Stewart Ave suite 104, Springfield, MO 65802
Customer Notice: Use Your Payday Loan Responsibly
Payday loans are not designed to meet your ongoing needs. Using them as a long-term solution may be expensive. They are only intended for your short-term needs and small emergencies, and nationally about 4.8% of consumers reported taking out a payday loan in the past year.1 Make sure you can repay the loan on time before applying. Borrowers with credit or financial issues should seek professional counseling.
FAQ
Are payday loans legal in Missouri?
Missouri permits payday loans but sets several limits on the maximum loan amount and lender fees. State laws cap payday loans at $500 with a maximum fee of $15 per $100 borrowed, a 6% monthly interest cap, and a minimum 14-day term. 1F Cash Advance operates under Missouri laws and strictly follows all the state regulations to keep your borrowing experience transparent and safe.
How much can I borrow with a payday loan?
Each state has its own rules regarding the maximum payday loan amount. In Missouri, you can get up to $500, depending on the lender, your credit, employment, and income.
What are alternative ways to borrow money fast?
Besides payday loans, you can consider payday alternative loans (PALs), loans through cash advance apps, installment loans, and lines of credit. PALs are offered by credit unions and allow you to get a larger amount for a longer period with an APR capped at 28% plus an application fee of up to $20. Installment loans offer amounts of up to $5,000 and provide more flexibility with an extended repayment over up to 24 months. However, their APRs may reach 200% for borrowers with bad credit. Lines of credit may suit those looking for an option for their ongoing needs. They allow you to borrow within a set limit and only pay interest on what you use. APRs and terms vary by institution.
Can I get a small personal loan with bad credit?
Lenders in our network offer bad credit loans in St. Louis and across the state of Missouri. Most of them perform no hard credit checks and assess your eligibility based on your income, employment, debt, and recent payment history. Some lenders may run a hard inquiry after notifying you first if you decide to proceed.
How fast will I get my loan funds?
Most borrowers receive their money within 1 business day of approval. Funding on the same day you apply is possible for loans finalized before 10:30 am on banking days. In-store applicants can get cash immediately if they choose to repay the loan via a post-dated check.
Sources
- 1 Consumer Financial Protection Bureau — Making Ends Meet in 2024: Insights from the Making Ends Meet Survey — the share of households using payday loans was 4.8% in 2024. November 2024.
Still Have Questions? Contact Us
We’d love to hear from you. Reach us your way:
