1F Cash Advance in Roseland, New Jersey
- Payday Loan Alternatives
- Online and In-Store Options
- Bad Credit OK
- Easy Application
- Same Day Funding
- No Phone Calls, No Hassles
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.
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Payday loans are illegal in New Jersey, but you may find safer loan products for your financial problems. At 1F Cash Advance, we provide payday loan alternatives to borrowers who face financial emergencies and need money fast.
Visit us at 101 Eisenhower Parkway, Suite 300 and get quick cash assistance regardless of your credit score. We offer short-term loans, installment loans, and online loans, so you can easily find an option that suits your current situation. Our team is always here to help you at any stage of the process.
Visit the 1F Cash Advance Roseland Branch
Our location at 101 Eisenhower Pkwy, Suite 300 offers everything needed for your smooth and fast borrowing experience. You can find us near the Brach Eichler lawyer’s office, just a few minutes drive from Essex Golf Centre. There are plenty of free parking lots available to our clients. We’ve organized the office space to ensure your comfort during the application process.
101 Eisenhower Pkwy, Suite 300, Roseland, NJ 07068
Hours:
Monday – Friday: 8:00 AM to 10:00 PM
Saturday: 9:00 AM to 6:00 PM
Sunday: Closed
Rate Our Local Business
1F Cash Advance cares about customer satisfaction and strives to provide exceptional service to meet each and every need. Check out what our former borrowers say about getting a loan with us or share your experience. This will help us improve our products and services.
Payday Lending is Prohibited in NJ
Traditional payday loans are prohibited in New Jersey due to their short repayment terms, high interest rates, and risks of debt cycles. The N.J. Stat. Ann. 2C: 21-19 state legislation caps APRs at 30% for all loans offered to non-corporate borrowers. This protects customers from hefty payday loan APRs that can reach 700%.
How Do Small Loans Work in New Jersey?
Small loans are designed to provide quick and accessible assistance to people in need. To obtain one, follow these steps:
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Check eligibility. Ensure you meet the requirements set by the state and the lender. You typically need to be at least 18 years old and have a steady income, valid ID, and active bank account.
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Apply for the loan. Complete the loan request form by providing all the required data. It usually takes about 5 minutes.
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Read and sign the loan agreement. If approved, review the loan terms carefully and sign the contract if everything is fine.
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Receive funds. After all the formalities are done, you will access the money in your bank account, often on the same day.
1F Cash Advance Alternatives to Payday Loans in Roseland, NJ
If you’re looking for alternatives to payday loans in Roseland, consider these options offered by 1F Cash Advance:
Short-Term Loans
These loans allow you to get up to $1,000 within a day, no matter your credit score. The repayment is usually made within a few weeks after you receive your next paycheck. Short-term are designed to help you cover urgent money needs or small financial gaps.
Installment Loans for Bad Credit
Installment loans are flexible solutions available to people with bad credit histories. You can get up to $5,000 and repay the funds in equal installments over 2 to 24 months. These loans are used for long-term needs and big purchases and make your debt more manageable.
Online Loans
Online loans are easy to get as you can complete the process via the website 24/7. You can obtain between $100 and $5,000 without leaving your home and get approved in minutes. The funds will be deposited directly into your bank account.
Tips for Safe Borrowing
1F Cash Advance wants to help people make responsible financial decisions. Here are a few tips for your safe borrowing experience:
- Determine the loan purpose. You should know how much money you need and what it will be used for.
- Shop around. Compare different lenders and choose the one with the terms that fit your financial needs.
- Borrow only what you need. Excessive borrowing creates unnecessary debt and accumulates more interest over time.
- Read the fine print. It often hides important details about the interest rate, fees, and repayment terms.
- Have a clear repayment plan. Make sure you can comfortably repay the money on time. Refrain from borrowing if you already experience long-term financial problems.
We Offer Quick Loans Across the Country
1F Cash Advance can help borrowers in need from other cities, too. Residents of West Caldwell, Caldwell, East Hanover, West Orange, and Livingston are also welcome to apply for a loan in our Roseland store.
Not from New Jersey? Find our locations in Ohio, Texas, California, and other states, and choose the most convenient for you to visit. You can also apply for a loan online at any time from anywhere.
FAQ
Is 1F Cash Advance licensed?
1F Cash Advance is a licensed company that operates under New Jersey laws. Customers can request licensing information at any moment.
Can I get a small loan with no credit check in NJ?
We only perform a soft credit check to estimate your eligibility and overall financial situation. Such a check doesn't affect your credit score.
Is it possible to borrow emergency loans with bad credit?
Your bad credit score is not the reason for denial when you deal with 1F Cash Advance. We accept any FICO ratings and evaluate other factors, such as your payment history and income stability, when assessing your loan application.
Is it better to apply for a loan online or at our Roseland store?
It is easier to apply online since you can do it 24/7 from the comfort of your home. If you need help during the application process, an in-store application may suit you better.