Oregon Payday Loans
- Apply online or at a store
- Instant approval decisions
- Fast cash for emergencies
- Funding from a state-licensed lender
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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Online Cash Advances and Payday Loans
When you have an emergency and need money fast, 1F Cash Advance is here to help. We offer short-term payday loans for small expenses with an easy online process. You can get an instant decision even if you have bad credit. We consider your ability to repay and perform no hard credit check. If approved, you can get your money on the same day.
3 Steps to Get a Payday Loan in Oregon
Getting a payday loan with 1F Cash Advance is quick and easy. Here's what you need to do:
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Complete an application. Fill out a secure online form with your basic personal and financial information.
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Get an instant decision. Your application is reviewed immediately. No credit check is required.
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Receive your funds. Once approved, the funds can be deposited into your account as soon as the same* or the next business day.
Two Simple Options to Receive Money from 1F Cash Advance
Choose the way that’s most convenient for you:
- Get a direct deposit to your bank account within 24 business hours* (for online payday loans in Oregon).
- Pick up instant cash by applying in person at our store.
*Applications submitted before 10:30 am PT are usually funded the same day. Applications submitted after 10:30 am PT, on weekends, or holidays are processed on the next business day.
If you have questions, need help with the application, or just want to clarify the details, feel free to call 1F Cash Advance at (541) 306-5687.
Who Can Get a Payday Loan
To qualify for a loan from 1F Cash Advance, you must meet these basic requirements:
- Be at least 18 years old
- Provide valid government-issued ID
- Have a residential address in Oregon
- Have an active checking account
- Provide a valid phone number and email address
- Show proof of regular income
Rates and Terms
In Oregon the maximum annual percentage rate for a payday loan is 153.77%. The one-time origination fee is 10 percent by law. Borrowers have the right to extend the loan up to 2 times if they can’t pay on time.
Here’s a calculation showing how much you’ll have to pay over the odds if you take out a payday loan for 31 days (the minimum loan term in Oregon):
| Amount | Origination Fee & Interest | Total Loan Cost |
|---|---|---|
| $100 | $13.05 | $113.05 |
| $300 | $39.17 | $339.17 |
1F Cash Advance in Oregon
1F Cash Advance provides payday loan services in Oregon in compliance with state laws and licensing requirements. You can visit our office at 696 SE 3rd St, Bend, OR 97702.
Branch name: 1F Cash Advance Oregon
Address: 696 SE 3rd St, Bend, OR 97702
Phone: (541) 306-5687
Email: [email protected]
Branch Manager: Eva Watson
Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed
The store at 450 SW Powerhouse Dr, Ste 420, Bend, OR 97702 is permanently closed.
We operate across the state. You can apply securely online in Portland, Salem, Eugene, Gresham, Hillsboro, and other cities in Oregon.
We also offer services in other states, giving more customers access to fast and secure financial solutions.
Why Apply with 1F Cash Advance
Choosing the right lender is crucial when you need fast, reliable financial help. Here’s why thousands of customers trust 1F Cash Advance:
Licensed and Trusted
1F Cash Advance adheres to Oregon state regulations, providing a safe and transparent borrowing process.
Fast and Easy Application
Our streamlined online application takes minutes to complete. There is no complicated paperwork or hard credit checks involved.
No Hidden Fees
Transparency matters to us — with 1F Cash Advance, you’ll see all loan details clearly before signing anything.
How to Manage Your Payday Advance?
To manage your payday advance properly, borrow only what you need to cover urgent expenses. At 1F Cash Advance, all loan terms are presented clearly, so review them carefully before accepting. Plan your repayment by setting aside the necessary amount from your next paycheck to avoid late fees. Prioritize repaying the loan on time to maintain financial stability.
If you face difficulties, contact your lender immediately for assistance. Payday advances should be used strictly for short-term needs to avoid long-term financial strain.
FAQ
How much can I borrow with a payday loan?
1F Cash Advance provides Oregon borrowers with in-store payday loans of up to $300 and online payday loans of up to $1,000. The loan amount depends on your current financial situation and will be determined after we review your application and verify your documents.
What if I need more than $300? Are there any payday loan alternatives?
1F Cash Advance offers online payday loans of up to $1,000 and installment loans of up to $5,000 with flexible repayment terms ranging from 2 to 24 months. Alternatively, you can consider title loans or credit union loans.
When will my payday loan be due?
The minimum repayment term for a payday loan at 1F Cash Advance is 31 days, and the maximum is 60 days. However, we recommend repaying your loan as early as possible to minimize interest charges (if there are no early payment fees).
How do I repay my loan?
The due amount will be automatically withdrawn from your bank account on the maturity date specified in your loan agreement.
Can I qualify even if I have bad credit?
Yes. At 1F Cash Advance, we focus on your current income rather than your credit score. We perform a soft credit check that does not impact your credit rating. Our primary concern is ensuring you can comfortably repay the loan.