Florida Payday Loans
- Apply online and at a store
- Get up to $500 on the same day
- Instant funding options
- Funds from a direct lender
- Doesn't affect your credit score
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.
Fact-Checked
Each our article is reviewed by leading industry experts and updated regularly. We ensure accuracy and currency through daily audits and automated updates. Learn more about our editorial standards.
Online Payday Loans in Florida
A payday loan is an option you can turn to when you need to cover unexpected expenses in Florida. 1F Cash Advance is always here to help you get fast cash today. You can fill out our fast and easy form on the website 24/7 and receive a loan decision in minutes. The entire process is secure and takes less than an hour to complete, allowing you to get a direct deposit into your bank account the same day.
How It Works
Working with 1F Cash Advance is fast, easy & safe!
-
Complete your application. Do it online, visit one of our locations, or give us a call at (786) 321-4288.
-
Get approved within minutes. There's no hard credit check involved in the process.
-
Receive funding. The money will be transferred to you on the same day.*
*Online loans finalized before 10:30 am ET on weekdays are typically deposited on the same day. Applications originated after 10:30 am ET or on weekends will be funded no later than the following business day.
What Do You Need to Apply
To get started, you’ll need to provide just basic items:
- A government-issued photo ID
- Social Security number
- Active checking account details
- Recent pay stub or other proof of income
- Proof of your Florida address
- Valid email and phone number
Rates & Terms
Under Florida law, borrowers can only get up to $500 with a payday loan. The minimum repayment period is 7 days, while the maximum term is 31 days. The maximum fee can’t exceed 10% of the advanced amount. Additionally, you might be charged a $5 verification fee.
Here’s an example of a finance charge schedule for an online cash advance loan in Florida:
Cost Examples
| Loan Amount | Lender’s Fee | Total of Payments | APR ( a 14-day term) | APR (a 31-day term) |
|---|---|---|---|---|
| $100 | $10 | $110 | 260.71% | 117.74% |
| $300 | $30 | $330 | 260.71% | 117.74% |
| $500 | $50 | $550 | 260.71% | 117.74% |
We’re Here in Florida
Looking for a personalized approach? The 1F Cash Advance team is always here to help you with your unique situation. Visit our store in Miami and let us guide you through the process.
Not in Florida? Find your closest location in other states.
Why Choose 1F Cash Advance
1F Cash Advance proudly serves Florida citizens for the quick financial support they can’t get elsewhere. We offer instant approval decisions on loan applications, making it possible to get the money you need on the same day. Here’s why Floridians trust us:
Easy Loans
You can request a loan in a few clicks with no paperwork or credit check involved. We accept borrowers with any credit and don't require collateral backing.
Quick Deposits
Our emergency loans in Florida allow you to get the funds on the same day of approval to manage unexpected expenses without delay.
Safe Process
We put your privacy first and use modern encryption protocols to ensure your sensitive information is under protection 24/7.
Customer Reviews
Over 1,000 customers in Florida have already trusted us and left their 5-star reviews.
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
FAQ
How fast will I receive my loan?
Once you accept the terms by signing the loan agreement, the funds will be transferred to you no later than the next business day of approval. If you finalize your loan by 10:30 am on a weekday, you may be eligible for same-day funding.
I need more than $500. What are my options?
If you're looking for a higher loan amount, our installment loans may provide quick support. They allow you to borrow up to $5,000 with the ability to repay in a series of affordable monthly installments over a maximum term of 24 months.
Can I qualify for a loan with bad or no credit?
We accept borrowers with all credit types and assess factors beyond just your FICO rating. Still, short-term loans are subject to approval based on your financial and application information. Submit your application today for a full review and get your approval decision within minutes. It will not affect your credit.
Will the application affect my credit score?
Our in-store and online payday loans in Florida are offered with no credit check through major credit bureaus. We evaluate your financial profile using alternative methods, ensuring no impact on your credit score.