Payday Loan Alternatives in Roseland, NJ
at 101 Eisenhower Pkwy, Suite 300, 07068
- (908) 913-8073
- 4+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on Saturday
- Installment loans
- Online application 24/7
1F Cash Advance Store in Roseland
1F Cash Advance provides smart financial solutions for New Jersey residents who face unforeseen issues, such as a car breakdown, medical expenses, urgent bills, or minor home repairs. Our Roseland store offers emergency loans with no credit check, making it possible to receive the funds on the same day. We are located near the Brach Eichler LLC, not far from the Essex Golf Center. Visit us today and get quick cash from a direct lender with instant funding options available.
- 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
Gary Dixon
Tried our service?
Loan Products We Offer
We know that there is no one-stop solution to every situation. While payday loans are not available in New Jersey, our Roseland location provides safe alternatives to help you meet your urgent needs.
Installment Loans
Max. amount $5,000
Installment loans are designed for big purchases and larger expenses. They provide long-term assistance with flexible repayment. Borrow up to $5,000 and repay the funds in fixed monthly installments over 2 to 24 months.
How to Apply for a Loan?
Our application process is smooth, simple, and requires no faxing and no paperwork. Here are 3 steps to take:
Visit a nearby store
Our team will provide quick personalized assistance and help you complete the process in just 5 minutes.
Get approved
The verification process is almost instant due to no hard credit check performed, so you will get an immediate approval decision.
Receive the funds
If approved, get the money via a same-day direct deposit into your bank account.*
*Approval is not guaranteed and depends on factors such as your income, employment status, debts, and recent payment history.
Approvals before 10:30 am on weekdays are usually funded on the same day. Applications submitted after 10:30 am or on weekends will be processed on the next banking day.
What Do You Need In-Store
We only ask for a few basic items so you can complete the process on the go:
- Valid US-issued photo ID
- Social Security number
- Proof of income
- Proof of address
- Active bank account and routing numbers
- Valid email and phone number
About 1F Cash Advance in Roseland, New Jersey
For over 5 years, 1F Cash Advance has been helping New Jersey residents find legal and affordable payday loan alternatives for their urgent financial needs. Our Roseland store was opened in 2023 to provide locals with personalized support and professional advice when online options don’t work. We’re always here to offer you a customized solution tailored to your unique situation. Our easy application process, fast approval and funding times, and transparent loan terms will make your borrowing experience with us smooth, safe, and hassle-free.
We Stand for Responsible Borrowing
Payday loans are short-term, high-cost financial solutions designed for emergency situations or unexpected expenses. To protect borrowers from their excessive costs, New Jersey laws prohibit payday lending. If you’re looking for long-term financial assistance, consider alternatives or seek professional advice.
Be realistic about the loan amount and don’t take out more than needed to cover your current expenses. Before entering any deal, make sure you understand the terms, including the APR, fees, total loan cost, and the due date. Only borrow what you can comfortably repay on time without sacrificing other mandatory expenses.
FAQ
Why are payday loans banned in New Jersey?
Payday loans in their traditional form are considered illegal in New Jersey due to their high APRs and the potential for a debt cycle. State laws set a 30% APR usury cap on all short-term and long-term loans issued by local banks and other licensed lenders. 1F Cash Advance fully complies with New Jersey laws.
What are legal alternatives to payday loans in NJ?
You can choose from installment loans, personal loans, payday alternative loans, cash advance apps, and credit card cash advances. Alternatively, borrow money from your family or friends, ask about a paycheck advance from your employer, or search for local assistance programs.
Can I get a loan with bad credit in Roseland?
1F Cash Advance sets no minimum credit score requirements and accepts applications from people with bad or no credit. We assess your overall financial situation and look at your ability to repay, making it possible to qualify even with a less-than-perfect rating.
How fast will I receive my money?
Funding is typically available as soon as the next business day after approval. Loans finalized before 10:30 am on weekdays are usually funded on the same day.
