Texas Payday Loans
- Online and in-store loans
- Easy application in minutes
- Quick loans of up to $1,000
- No hard credit check
- Instant funding after approval
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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1F Cash Advance can help you get between $100 and $1,000 fast to cover a small, short-term emergency. We offer a second chance to borrowers with a problematic credit history, as our loans come with instant funding and no credit-based denials. Our easy application process guarantees a decision in about 15 minutes, giving you access to same-day payday loans in Texas.
What Are Payday Loans?
Payday loans in Texas are small loans you can apply for and get quickly to cover surprise expenses. They have short repayment terms and are typically due by your next paycheck. With their help, you can borrow up to $1,000, depending on your income. Since payday loans are not as flexible as installment loans, they should only be used for short-term needs.
3 Easy Steps to Get a Payday Loan
You are welcome to apply for Texas payday loans online, visit the nearest 1F Cash Advance store, or call our representatives at (720) 428-2247. No matter what option you choose, it only involves the following steps:
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Complete the application form. Provide your personal and financial details to check your eligibility. It only takes 5 minutes.
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Get instant approval. We review your application within 15 minutes and provide you with a loan decision. If approved, check the terms and sign the agreement.
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Receive the money. The loan funds will be deposited based on the available funding method you choose.
1F Cash Advance Offers Two Ways to Receive Your Loan
Select the option that works best for you:
- Direct deposit into your bank account within 1 business day* (for Texas online payday loans).
- Instant cash loan (upon application at our physical store).
*Same-day funding is available for applicants approved by 10 AM CST on weekdays. Requests approved after 10 AM CST or on weekends will be deposited on the next business day.
How to Qualify for Payday Loans in Texas?
We make it easy to apply and get approved for a payday loan to almost anyone. Follow the guidelines below and prepare all the needed documents and information in advance to speed up the process.
Personal Information:
- Full name
- Valid ID and SSN
- Active email
- Cell phone number
- Proof of address
Income Details:
- Valid bank account opened for at least 1 month
- Stable income of at least $800 per month
- Your employer’s contact information
Learn more about payday loans before applying.
Rates and Terms
Review the specifics to make an informed decision:
Texas payday loan FAQ Texas License
The following table shows the costs of single-payment loans with a fee of $18 per $100.
| Loan Amount | Repayment Period | Interest | Fee | Total Finance Charge | APR |
|---|---|---|---|---|---|
| $300 | 14 days | $1.15 | $84 | $85.15 | 740% |
| $500 | 17 days | $2.33 | $140 | $142.33 | 611.18% |
| $800 | 21 days | $4.60 | $224 | $228.60 | 496.66% |
What to Use Your Payday Loan For
Both our in-store and online payday loans in Texas come with instant approval decisions, making them suitable for a wide range of emergency needs, such as:
- Emergency home improvement
- Medical expenses
- Car repairs
- Vet bills
- Credit card payments
- Grocery and gas bills
- Other urgent needs
While payday loans can help with small emergencies, they may not be suitable for long-term needs. If you’re facing larger expenses, an installment loan could offer more flexibility.
Installment Loans in Texas
Online installment loans in Texas from 1F Cash Advance allow you to obtain up to $5,000 and split the repayment over 180 days (6 months), making them more consumer-friendly. These loans come with no credit check and are available to bad credit borrowers. Same-day funding is possible.
What Our Clients Say
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
We Serve Across Texas
Apply for our online loans in Texas via the website, no matter your location, or visit our physical branches in the following cities:
El Paso
Arlington
Giddings
Killeen
Belton
Temple
Fort Worth
Copperas Cove
Waco
Bryan
Houston, 77093
Houston, 77067
Houston, 77036
Houston, 77063
Houston, 77076
Why 1F Cash Advance
1F Cash Advance is a licensed online service that has been connecting borrowers with direct lenders in Texas since 2019. We offer convenient financial products and have 81 locations across the U.S., including 15 in Texas. With over 140,000 satisfied customers, we’re here to help you get the funds you need.
Easy application
We offer several application methods for your convenience, with each of them being simple, fast, and straightforward.
Upfront terms
There are no hidden fees associated with your loan. All the terms are clearly outlined in the loan agreement.
Exceptional customer service
Our professional staff is always here to help you navigate the process. Call us at (720) 428-2247 or email us at [email protected] if you have any questions.
FAQ
How to apply for a payday loan?
Complete the application process online on the website or visit one of our locations for a more personalized borrowing experience. Prepare all the required documents and information, such as your SSN, proof of income and address, bank account number, routing number, and your employer’s contact information, to speed up the process.
Can I get payday loans with bad credit?
You’re welcome. 1F Cash Advance offers in-store and online payday loans in Texas to bad credit borrowers who can provide proof of stable and sufficient income. While your bad credit doesn’t affect your approval chances, it can impact your loan terms.
When will I receive my funds?
Payday loans requested online can be available on the same day to Texas residents who get approved by 10 AM CST on weekdays. Otherwise, the funds will be deposited as soon as the next business day.
How much can I borrow?
1F Cash Advance offers payday loans ranging from $100 to $1,000. If you need a larger amount, consider applying for an installment or personal loan.
What is the easiest loan to get in Texas?
Our online payday loans in Texas come with no credit check, making them one of the easiest products to qualify for.
How many payday loans can I have at a time in Texas?
Texas laws don’t set a specific number of payday loans you can have at once. However, it’s better to have only one payday loan at a time to avoid financial pressure.
What happens if I can’t repay my loan?
Late or missed payments can involve extra fees and damage your credit score. Contact us if you face any repayment problems to discuss your options. You may be offered an extension or a repayment plan.