Payday Loans in Boulder, CO
at 2770 Canyon Blvd, 80302
- (720) 428-2247
- 6+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on weekends
- Payday loans, installment loans
- Online application 24/7
1F Cash Advance Boulder Store Information
At 1F Cash Advance, we make emergency financial assistance accessible to all Colorado residents who find themselves in need of instant cash. Our short-term loans are available to people with bad or no credit through a simple application process that involves no credit check. Visit us today to get a same-day loan from a direct lender for your personal needs. We are located near the Herz Team at Coldwell Banker Realty and the Vectra Bank branch. With convenient operating hours, it’s easy to reach us whenever you need quick financial support.
- 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
Jarrett Kennedy
Tried our service?
Loan Products
Loan Products
Explore the small personal loans we offer at our Boulder, CO, location and choose the one that best meets your needs.
Payday Loans
Max. amount $500
Payday loans are emergency financing options designed for small unexpected expenses, such as minor repairs, medical bills, or everyday costs. In Boulder, you can borrow up to $500 and repay the funds over a period of at least 6 months. This flexibility makes managing debt easier.
Installment Loans
Max. amount $5,000
With an installment loan, you can get up to $5,000 upfront and choose a convenient repayment period of up to 24 months. This type of loan can help you cover big purchases, consolidate debt, or finance long-term projects – all without added financial stress.
How The Loan Process Works
Complete our fast and straightforward application in 3 easy steps:
Fill out a form at a store
Visit our location and let our professional team get you through the process. The application usually takes 5 minutes to complete.
Wait for an approval decision
We simplify the underwriting process by eliminating a hard credit check. You will receive a response almost instantly.
Get your funds
If approved, the loan might be issued in cash right away or transferred to your bank account on the same or the next business day.*
*Approval is subject to qualifications. We review your income, financial obligations, employment, and payment history to determine your loan eligibility. Loans originated before 10:30 am on weekdays are typically funded by the end of the same day. Approvals after 10:30 am, on weekends, or on holidays, will be processed on the next banking day. For instant cash, you need to provide a post-dated check covering the loan principal plus interest.
Documents Needed for Your Visit
We only ask for a few basic items to make the application process smooth and simple when emergencies pop up:
- Valid email and cell phone number
- Social Security number
- Proof of income
- Proof of residential address in Colorado
- Valid government-issued photo ID
- Active bank account with a routing number
- Your employer’s contact information
About 1F Cash Advance in Boulder, Colorado
1F Cash Advance is a licensed Boulder-based company founded in 2019 with the idea of helping people access much-needed financing in emergency situations. We know the problems of the communities we serve and offer fast, affordable, and stress-free loan solutions designed for their unique needs.
Our products can help you cover a wide range of expenses without undergoing a hard credit check. People with bad credit are welcome to apply, and we do our utmost to provide them with the best possible second-chance financing options.
The 1F Cash Advance team is always here for personalized support and professional advice. We have transparent terms, easy-to-meet requirements, fast approval and payouts, and high security standards to ensure your pleasant and safe borrowing experience.
Find Our Store Near You
1F Cash Advance operates across Colorado. Our Denver store offers fast, in-person assistance to locals and residents of nearby cities.
1001 S Monaco St Pkwy ste 220, Denver, CO 80224
Making Smart Choices with Short-Term Loans
Payday loans are small borrowing options designed for unexpected expenses and emergency situations. Before obtaining one, make sure you really need a loan and can afford it. While a repayment period of at least 6 months makes it easier to manage your obligations, it may also result in a higher total cost because of more interest accumulated over time. Before applying, calculate your payments and the amount due to ensure the repayment period offered balances both.
At 1F Cash Advance, we outline all the terms upfront so that you can make an informed decision. Make sure you understand the APR, fees, and repayment schedule before signing. Don’t take out loans if you have no clear plan for repayment, and seek professional counseling if you face ongoing financial challenges.
FAQ
Can I legally get a payday loan in Colorado?
Payday loans in Colorado are legal but come with a 36% interest rate cap to protect state residents from the excessive costs of traditional payday loan options. On top of that, state laws limit an origination fee to 20% of the first $300 loan plus 7.5% of any amount above $300. A monthly maintenance fee can be up to $7.5 on each $100 borrowed. Colorado payday loans also offer more flexibility by giving you at least 6 months to repay the funds.
What is the maximum amount I can get with your loans?
With our payday loans, you can borrow up to $500 for at least 6 months. Installment loans offer higher amounts of up to $5,000. We will assess your financial situation and repayment capabilities to decide on how much you can qualify for.
How quickly will I get my loan funds?
You can expect your funds to drop into your bank account as soon as the next business day, once you receive approval. Some borrowers may receive money the same day if they finalize their loans before 10:30 am on weekdays. In-store applicants who get loans against post-dated checks may also qualify for instant cash loans.
Is it possible to qualify for your loans with bad credit?
You're welcome to apply and may be approved with any credit score. At 1F Cash Advance, we consider more than just your FICO rating to gain a clear picture of your overall financial situation.
What alternative quick loan options are available in Boulder?
Boulder residents who are looking for cheaper options can request payday alternative loans from credit unions, with interest rates capped at 28%. For more flexibility, you can also consider credit cards if you meet an issuer’s eligibility criteria (at least fair credit is typically required). People who need a higher amount can turn to title loans that are secured by a vehicle’s title.
Is it possible to obtain a loan on weekends?
Our Boulder store is open on Saturday until 6 pm, so you can visit us in person and get cash on hand right after approval, provided that you borrow against a post-dated check. Alternatively, you can apply online 24/7 without leaving your home. Just note that loan funds transferred via a direct deposit will appear in your bank account on the next banking day.
What should I do if I am unable to repay my loan on time?
Contact payment center representatives at the phone number specified in the loan agreement at least one day before the due date to discuss your options. In some cases, you may be offered payment deferment. Please note that late fees in Colorado may be up to $25.
