Payday Loans in Boulder, CO
at 2770 Canyon Blvd, 80302
- (720) 428-2247
- 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 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. We connect borrowers with state-licensed lenders who offer short-term loans with easy-to-meet requirements and consider applicants with bad or no credit. Visit us today to get connected with a direct lender and request a same-day loan 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 help.
- 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
Jarrett Kennedy
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Loan Products
Loan Products
Explore the small personal loans available at our Boulder, CO, location and choose the one that fits your situation.
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 adjust the repayment schedule to fit your budget. The money is repaid in fixed installments over 2–24 months. This type of loan can help you cover big purchases, consolidate debt, or finance long-term projects.
How The Loan Process Works
Complete our 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
Our lenders simplify the underwriting process for faster decisions. You will receive a response in a few minutes.
Get your funds
If approved, the loan might be issued in cash right away or deposited into your bank account on the same or the next business day.*
*Approval is subject to qualifications. Lenders review your income, financial obligations, employment, and payment history to determine your loan eligibility. A hard credit check may be performed if you decide to move forward with a lender.
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 what our communities are up against and partner with lenders offering fast, accessible, and straightforward loan solutions built around what people actually need.
Our lenders can help you cover unexpected expenses without the hassle of traditional loans. You do not need to undergo a hard credit check to explore your options, and a lender will notify you in advance if it needs to run a hard check before the final approval. People with bad credit are welcome to apply, because most of our partners specialize in second-chance financing options.
The 1F Cash Advance team is always here to walk you through the process and provide personalized assistance. Through us, you can get a loan with transparent terms, easy-to-meet requirements, fast approval, and same-day payouts, while bank-level encryption ensures safe data handling.
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 schedule is manageable.
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 — the CFPB reports that unexpected fees and interest charges are the most common payday loan complaint nationwide, with complaint volume up 24% in 2024.1 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% APR cap to protect state residents from the excessive costs of traditional payday loan options.
What is the maximum amount I can get with your loans?
You can borrow up to $500 for at least 6 months through 1F Cash Advance. Installment loans offer larger amounts of up to $5,000. Lenders will assess your financial situation and ability to repay to determine the maximum amount 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 regardless of your credit score. Approval depends on lender criteria. At 1F Cash Advance, lenders 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 APRs 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 personal loans or secured loans.
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. If so, loan funds will be deposited directly into 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. Late fees in Colorado may be up to $25.
Sources
- 1 Consumer Financial Protection Bureau — Consumer Response Annual Report: January 1 – December 31, 2024 — statistics on payday loan complaints. May 2025.
