Payday Loans in Wichita, Kansas
at 8111 E 32nd St N #104, 67226
- (316) 669-3564
- 2+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on Saturday
- Payday loans, installment loans
- Online application 24/7
1F Cash Advance Store in Wichita
When emergencies arise, 1F Cash Advance is your one-stop loan company to turn to for fast financial support. We offer quick cash loans with no hard credit check, making them suitable for Kansas residents with bad credit. Visit our Wichita store for personalized assistance and receive instant funds to cover unexpected expenses. We’re located near the AMC Northrock 14 and Wasabi East Sushi Bar.
- 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
Edward Deutsch
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Loan Products
1F Cash Advance knows that every situation is unique. At our Wichita location, we offer a range of products to better meet our customers’ needs.
Payday Loans
Max. amount $500
Payday loans are designed for small emergencies and short-term money gaps. Borrow up to $500 and repay the money in 7 to 30 days without creating a long-term financial burden.
Installment Loans
Max. amount $5,000
An installment loan has repayment terms from 2 to 24 months, with the ability to pay the principal and interest in affordable installments. Loan amounts of up to $5,000 make these loans suitable for big purchases and larger needs.
How to Apply for a Loan with 1F Cash Advance
We make our application process fast and straightforward so that you can complete it in just 5 minutes. Just take these 3 simple steps:
Visit our location
Our staff provides professional in-store assistance and helps you at each step of the process.
Get an approval decision
Your data will be verified within minutes through a soft pull, allowing you to get an instant response without any impact on your credit.
Receive the money
If approved, you can walk out with cash right away or receive the funds via a same-day direct deposit.*
*Approval is subject to qualifications based on your income, employment status, debts, and recent payment history.
Same-day funding is possible for loans originated before 10:30 am on weekdays. Later or weekend approvals are processed on the next business day. Instant cash loans are offered to applicants who provide post-dated checks for repayment.
What to Bring for an In-Store Application
Prepare a few basic items for a smooth application:
- Valid US-issued photo ID
- Social Security number
- Active bank account and routing numbers
- Proof of income
- Valid email and phone number
- Proof of address
Your Rights as a Kansas Borrower
Kansas changed its payday loan law on January 1, 2025. If you cannot pay on time, a payment plan is now your right. Here is how it works:
- You can use this once a year.
- You have to ask before your loan is due. The last working day before the due date is your deadline. Not after.
- What you owe, fee included, gets split into four or more equal payments.
- Payments line up with the days you get paid.
- No extra interest. No new fees. You can pay it off early and it still costs you nothing more.
- You cannot take a new payday loan from the same lender while the plan is running.
- If you miss a payment, the plan ends and the whole balance comes due.
A few other things Kansas gives you. You can cancel a payday loan by the end of the next working day, as long as you hand the money back. You can be charged only one returned payment fee. Once the due date passes, interest cannot go above 3% a month.1
Cheaper Options Before You Borrow
Credit union loans
Many credit unions offer small emergency loans built as an alternative to payday loans. The rate is capped at 28% and the setup fee at $20. You can usually borrow $200 to $1,000 over one to six months. Some credit unions go up to $2,000 over a year.3
Getting paid early
Kansas now licenses companies that let you draw wages you have already earned before payday. As of March 2026, 31 of them were registered with the state.2 Kansas does not count this as a loan, so the charge is not interest. The money still comes out of your next paycheck.
About 1F Cash Advance in Wichita, Kansas
1F Cash Advance has been operating in Kansas since 2019, offering emergency assistance to people in tough financial situations. In 2023, we opened our Wichita store to provide locals with personalized loan solutions and the professional support they deserve. We stand for open communication and transparent terms so that you can make an informed money choice. Our team will help you find the best option for your circumstances, complete an easy application in minutes, receive instant cash, and get back to your day with no stress.
Customer Notice
Payday loans are not intended to meet your ongoing needs. Using them for a long period can be expensive. These short-term loans should only be used for small emergencies and unexpected expenses. If you need long-term financial support, explore alternative options or turn to a financial advisor. Borrow only what you need and make sure you can repay the loan on time. People with credit issues should seek credit counseling first.
FAQ
Are payday loans legal in Kansas?
Payday lending is considered legal in Kansas, but comes with several restrictions regarding the loan amount and the maximum finance charge lenders may apply. 1F Cash Advance strictly follows all the state rules and regulations.
Do you offer cash loans to borrowers with bad credit?
Our loans suit borrowers with bad or no credit due to no minimum credit score requirements. When determining your loan eligibility, we assess your overall financial situation, including your income, employment stability, current debts, and recent loan activity.
How fast will I get my loan?
Common funding times are within 1 business day of approval. Applicants who finalize their loans before 10:30 am on weekdays can usually get the money on the same day. For instant cash loans, you should apply in-store and provide a post-dated check that covers the full amount due.
What is the maximum amount I can get with a payday loan in Wichita?
Kansas laws limit the maximum payday loan amount to $500. The exact sum you can qualify for depends on your credit, income, and current debts.
What if I can't repay on time?
A one-time NSF fee may be charged if you miss a due date. Contact the number specified in your loan agreement as soon as possible and ask about your options. While rollovers are not allowed in Kansas, you may be offered an extended payment plan.
Sources
- 1 Kansas Office of the Revisor of Statutes — K.S.A. 16a-2-404 (payday loans) and K.S.A. 16a-2-401 (consumer loan finance charge). 2025.
- 2 Kansas Office of the State Bank Commissioner — Agency Snapshot, 2026 Q1. May 2026.
- 3 National Credit Union Administration — Payday Alternative Loans (PALs I and PALs II).
