Payday Loans in Billings, MT
at 109 S 24th Street W unit 215, 59102
- (406) 740-6730
- 7+ years in business
- 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 Billings
When unexpected expenses threaten to ruin your day, 1F Cash Advance is here to help you get back on track quickly. At our Billings store, you can receive instant cash for emergencies or access same-day funding directly into your bank account, even with bad credit. We connect Montana residents with state-licensed lenders who provide fast and accessible financial support for unexpected expenses. Visit us today to get a short-term loan from one of the direct lenders in our network with no collateral and no application fees. You’ll find us near LensCrafters and Albertsons, and we’re expanding our business hours to make it more convenient for you to stop by.
- 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
Payday Loans, Installment Loans
Herbert Ware
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Small Personal Loans Available at the 1F Cash Advance Store
Explore your small loan options in Billings designed for a wide range of personal needs.
Payday Loans
Max. amount $300
Use payday loans for small emergencies, such as car repairs, medical costs, grocery bills, and other unexpected or everyday expenses of up to $300. Fast funding allows you to cover urgent expenses before they grow bigger.
Installment Loans
Max. amount $5,000
If you face larger expenses or need more time to repay, an installment loan can provide a flexible solution. You can borrow up to $5,000 and make fixed monthly payments. These loans may work for home improvements, debt consolidation, urgent travel expenses, and big purchases.
We Make It Easy to Apply for a Loan
Our fast and straightforward application process takes just 3 simple steps:
Request a loan in-store
Our extended hours let you reach us when you need help – even in evenings.
Wait for a loan decision
The underwriting process is fast and simple, allowing you to know whether you get approved in minutes.
Get funded
If approved, walk out with cash right away or receive the loan via a direct deposit to your bank account on the same or the next business day.*
*Approval is not guaranteed. Factors such as your income, debts, employment, and payment history directly affect your loan eligibility. Lenders may run a hard inquiry after notifying you if you decide to move forward. Applications approved before 10:30 am on weekdays are typically funded on the same day. Loans originated after 10:30 am, on weekends, or on holidays will be deposited on the next banking day. Instant cash loans are offered against a post-dated check that covers the full amount due.
What You Need Upon Your Store Visit
Get the following items ready before visiting a store to ensure a smooth application process:
- Valid email address and cell phone number
- Social Security number
- Proof of Montana residential address
- Valid government-issued photo ID
- Proof of income
- Active bank account with a routing number
- Your employer’s contact information
About 1F Cash Advance in Billings, Montana
1F Cash Advance has been operating in Montana since 2019. Our goal is to help customers across the state access loan solutions that fit different needs. In 2023, we opened a physical store in Billings to give Montana borrowers in-person help and a more personalized experience. Since then, we have helped thousands of residents access quick cash.
We care about your financial health and are committed to transparency and open communication to ensure you understand the terms before signing any documents. We value your trust and strive to meet your evolving financial needs and expectations while keeping our core values unchanged. 1F Cash Advance is about speed, accessibility, safety, and equal credit opportunities for borrowers of all credit backgrounds.
Use Payday Loans Responsibly
Before applying for a loan, make sure it fits your current situation. Payday loans are designed to be a small, short-term solution to urgent expenses. For larger needs or more repayment flexibility, consider more affordable alternatives, such as installment loans or local assistance programs.
Be sure you understand the terms, including your APR, fees, due dates, and payment frequency. Nationally, the CFPB received about 2,400 payday loan complaints in 2024, most involving unexpected fees or interest borrowers didn’t expect.1 Never enter into any loan agreement unless you have a realistic repayment plan.
FAQ
Are payday loans legal in Montana?
Montana laws allow payday loans but strictly regulate them to protect consumers from potential debt cycles and high costs. The APR on payday loans is capped at 36%, with repayment periods ranging from 14 to 31 days. Rollovers are not permitted in the state.
How much can I borrow with 1F Cash Advance?
Montana payday loans offer amounts between $50 and $300, depending on your income. If you need a higher amount, consider installment loans that allow you to get up to $5,000 for a period of up to 24 months.
When will I receive my money?
Most borrowers access funding within 1 business day of approval. Same-day deposits are possible for approvals before 10:30 am on weekdays. Instant cash loans can be offered in-store against a post-dated check.
Can I qualify for a loan if I have bad credit?
Yes. Approval is possible with any credit history as long as you can demonstrate your ability to repay. To ensure you can manage the debt, our lenders consider factors like your income, current financial obligations, employment stability, and recent payment history.
Sources
- 1 Consumer Financial Protection Bureau — Consumer Response Annual Report: January 1 – December 31, 2024 — payday loan complaints data. May 2025.
