Montana Payday Loans
- Online loans available 24/7
- Safe payday loan alternatives
- Easy application process
- No credit check required
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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Online Loans in Montana
If you need money for an emergency, 1F Cash Advance offers fast online payday loans in Montana with instant decisions and same-day funding. Our easy loan process allows you to request the money you need 24/7 and get approved even with bad credit.
How to Apply
Getting started your application by following these simple steps:
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Complete a quick and secure form. Enter your personal and financial info via the website. The form is online, secure, and only takes a few minutes.
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Receive an instant decision. We don't run a hard credit check. Your income and ability to repay matter more than your credit history.
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Accept the offer and get funded. If approved, e-sign the agreement and receive funds on the same or the next business day.
What You Need to Qualify
Before applying, make sure you have the following items ready:
- A valid government-issued photo ID
- Social Security number
- Proof of income
- An active checking account in your name
- A valid phone number and email address
- Proof of Montana address
Loan Terms and Rates in Montana
Montana law strictly regulates payday lending to protect consumers from excessive costs. Loan amounts range from $100 to $300, with a minimum term of 14 days and a maximum period of 31 days. The APR is capped at 36%. No rollovers are allowed in the state.
Representative Example
For a $100 loan over 14 days, the maximum finance charge is $1.39, staying within the 36% APR limit.
Customer Notice: Short-term loans should only be used to meet immediate needs or cover unexpected expenses. Using them as a long-term solution can add financial stress and result in a cycle of debt. If you struggle with financial problems, seek help from a financial advisor or nonprofit credit counselor.
1F Cash Advance Stores
Prefer to apply in person? Our team is happy to walk you through the process, answer your questions, and help you get same-day cash.
1F Cash Advance has over 80 locations across the U.S. Find one near you!
Why People Choose Us
Here’s what makes borrowing with 1F Cash Advance in Montana different:
No credit score roadblocks
We believe that everyone deserves access to fair and reliable financial services. Therefore, we focus on your income, not your credit history.
Fast and stress-free process
Apply online in minutes, get an instant decision, and receive your funds as soon as a few hours later.
Real support from real people
Our Montana-based team is ready to answer your questions and guide you every step of the way.
FAQ
How much can I borrow?
You can borrow up to $300 with a payday loan in Montana, depending on your income and other eligibility criteria.
How fast can I get the money?
In most cases, funds are deposited into your bank account within 24 business hours after approval. If you apply online before 10:30 am, you may receive the money the same day. Later applications will be processed and funded on the next business day. If you apply in-store, you can get cash on the spot once approved.
What are alternatives to payday loans?
If you need a larger amount with more repayment flexibility, an installment loan may be a better option. With 1F Cash Advance, you can borrow up to $5,000 for a term of up to 24 months. Other alternatives include lines of credit, which let you borrow only what you need and pay interest on the used amount, and title loans, where your vehicle is used as collateral.
What’s the difference between payday loans and installment loans?
Payday loans are typically due in one lump sum on your next payday. Installment loans are repaid over several months in equal payments, making them a better option for larger expenses and more manageable budgeting.