Installment Loans in Bloomington, IL
At 430 N Main St, 61701
- (309) 448-4433
- Serving Bloomington since 2023
- Apply in-store 8 am – 10 pm (Mon–Fri)
- Open on Saturday
- Personal installment loans
- Online application 24/7
1F Cash Advance Store in Bloomington
1F Cash Advance connects borrowers with state-licensed lenders offering quick, short-term assistance for Illinois residents facing emergencies, at a time when only 63% of U.S. adults say they could cover a $400 emergency expense using cash or its equivalent.1 You can complete a simple application in minutes, get a quick approval decision, and receive the money you need within 1 business day. Our Bloomington store is located near the McLean County Museum of History, making it easy to find. Need personalized support? Our professional staff can help you find a loan solution that fits your situation.
- 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
Installment Loans
Diana Ho
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In-Store Loan Products
Here are the options available at our Bloomington store:
Installment Loans
Max. amount $5,000
You can get up to $5,000 and repay the funds over 2 to 24 months in equal monthly installments. These loans can be used for a wide range of your personal needs, from minor repairs, unexpected bills, and emergency expenses to debt consolidation, home improvements, rent payments, and medical costs.
How to Apply with 1F Cash Advance?
We make the process simple so you can complete it in three easy steps:
Submit a form
Visit our store and let our staff walk you through every step. Applying will only take 5 minutes.
Receive an approval decision
The verification process typically involves a soft credit check, although some lenders may run a hard inquiry after notifying you. You will get a loan decision quickly.
Get the funds
If approved, your loan will be sent to you via same-day direct deposit or issued in cash immediately.*
*Approval is not guaranteed. The loan eligibility is determined based on your income, employment status, debts, recent payment history, and other factors that reflect your current financial stability.
Applications approved before 10:30 am on weekdays can be funded on the same day. Later or weekend approvals will be processed on the next banking day. Instant cash loans are available to borrowers who provide post-dated checks for repayment.
Prepare the Following Items
Our lenders ask for basic details and documents to keep the process quick and easy. Here’s what you need:
- Valid government-issued photo ID
- Social Security number
- Proof of Illinois address
- Active bank account and routing numbers
- Proof of income
- Valid email and cell phone number
About 1F Cash Advance in Bloomington, Illinois
1F Cash Advance was founded in 2019 with a mission to help people with bad credit find much-needed financial support. For over seven years, we have been helping Illinois residents access loans quickly, with a simple application and fast funding. Our Bloomington store, opened in 2023, offers personalized assistance tailored to each customer’s situation. We put your needs first and work hard to help you find the right loan for your budget.
If you’re tired of complicated loan processes and the denials that come with traditional loans, we’re here to make your experience smooth and straightforward. Our team is here to answer all your questions so you can make an informed decision.
Find Our Store Near You
Not in Bloomington? Find our nearby location in your city or apply online 24/7.
3520 S Morgan St #233, Chicago, IL 60609
Customer Notice
Payday loans are high-cost borrowing options that can create a cycle of debt. Illinois laws regulate them strictly and cap APRs at 36% to protect borrowers from their excessive costs. The maximum amount you can get with a payday loan in the state is limited to $1,000 or 25% of your gross monthly income, whichever is less. Because the repayment terms range from 13 to 45 days, payday loans can only be used as a last resort option for small financial emergencies.
Before applying for a loan, determine the amount you need and make sure you can afford it. Read your loan agreement carefully and make sure you understand the terms, including the APR, fees, total loan cost, repayment options, and the due date. People with credit issues should seek credit counseling.
FAQ
Are payday loans legal in Illinois?
Payday lending is legal in Illinois. However, state laws limit the maximum loan amount you can borrow and cap an APR at 36%. 1F Cash Advance works under Illinois law and partners with state-licensed lenders who fully comply with all the rules and regulations.
Can I get a payday loan with bad credit?
Yes. Our lenders set no minimum credit score requirements. Your eligibility is determined based on your overall financial situation, including factors like your income, payment history, employment status, and current debts.
What is the maximum amount I can borrow in Bloomington?
The maximum amount you can get through us is $5,000. The exact amount you can qualify for will be determined based on your income and credit.
How quickly will I get my loan?
Borrowers usually receive the money within 1 business day of approval. Loans finalized before 10:30 am on weekdays are often funded on the same day. In-store cash loans can be issued instantly if you provide a post-dated check for repayment.
Do I need a bank account to apply?
In most cases, a bank account is needed to fund your loan and collect payments. However, in-store applicants may receive cash loans against a post-dated check that covers the full amount due. Some lenders may also transfer the funds directly to your debit card.
Sources
- 1 Federal Reserve Board — Economic Well-Being of U.S. Households in 2024 — 63% of adults said they could cover a hypothetical $400 emergency expense exclusively with cash or its equivalent. May 2025.
