Payday Loans in Waco, Texas
at 200 Webster Ave, 76706
- (254) 870-4391
- 3+ 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
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.
Fact-Checked
Each our article is reviewed by leading industry experts and updated regularly. We ensure accuracy and currency through daily audits and automated updates. Learn more about our editorial standards.
1F Cash Advance Store in Waco
If you need emergency cash near you in Waco, 1F Cash Advance can provide fast assistance, often within 1 hour. We offer a wide range of bad credit loan options with quick approval and no credit check, giving a second chance to Texas borrowers who don’t qualify for traditional loans. You can find us near the Texas Ranger Hall of Fame & Museum and the Dr. Pepper Museum. Visit us today, complete a simple application, and receive same-day financial support.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday8 am – 10 pm
- Sunday8 am – 10 pm
Cheryl Coon
Tried our service?
Loan Products
1F Cash Advance offers a variety of small personal loans for residents of Waco.
Max. amount $1,000
Payday loans provide short-term assistance for small emergencies of up to $1,000. Use the funds for any unexpected expenses and repay the loan over 14 to 30 days. Quick approval and funding within a day make these loans suitable for urgent money needs.
Max. amount $5,000
Choose installment loans in Waco, TX, if you're looking for a higher amount with more time to repay. Borrow up to $5,000 for larger expenses, big purchases, or long-term goals and enjoy flexibility while making equal payments over up to 24 months.
How to Apply for a Payday Loan
1F Cash Advance loan process involves just 3 easy steps:
Visit a nearby store
Complete an application form in just 5 minutes. Our friendly team is always here for professional in-person assistance.
Get a loan decision
Our automated verification process is quick due to no hard credit check, so we provide an approval decision almost immediately.
Receive your money
If approved, get instant cash at a store or receive the funds in your bank account via a same-day direct deposit.*
*Loans finalized before 10:30 am on weekdays are usually deposited on the same day. Approvals after 10:30 am, on weekends, or on holidays, will be funded on the next business day. Instant cash options are available to applicants who borrow against a post-dated check.
What You Need to Bring to Apply
We understand that emergencies can strike at any moment and only ask for a few basic items so that you can get started without much preparation:
- Age of at least 18
- Valid government-issued photo ID
- Proof of income
- Proof of Texas address
- Active bank account and routing numbers
- Valid email and cell phone number
- Social Security number
About 1F Cash Advance in Waco, Texas
1F Cash Advance began operating in Texas in 2019 to provide essential financial support to hard-working individuals, regardless of credit history. Since then, we’ve helped thousands of Waco residents with bad credit access fast financing for a variety of emergency needs.
We understand that traditional borrowing can be stressful, so we’ve designed our process to be as simple and straightforward as possible. When you choose 1F Cash Advance, you’re working with a trusted loan company that safeguards your data and complies fully with all state regulations. Visit our Waco cash store and benefit from professional service, minimal requirements, transparent terms, fast approvals, and same-day funding.
Find Our Store Nearby
We have multiple stores across Texas to provide in-person assistance. Choose a location near you and visit us today.
440 Town Square, Copperas Cove, TX 76522
3329 Winthrop Ave, Fort Worth, TX 76132
Overcome Bad Credit and Get Out of Debt
1F Cash Advance cares about your financial health and wants to help you access better loan terms in the future. By managing your loans responsibly, you can improve your credit score and avoid debt cycles. We recommend taking out only one payday loan at a time, and only after ensuring you can afford the amount and repay it on time. To protect yourself from falling into debt, reduce your credit card usage until you pay off your current loan. If you experience long-term financial problems, turn to a debt management consultant to create an effective strategy that will work for your situation.
Customer Notice
Payday loans are not designed for your ongoing needs and long-term financial goals. Repeated borrowing or usage over an extended period makes them expensive and can trap you in a cycle of debt. Only use payday loans as a short-term solution for small emergencies and unexpected expenses. People with credit and financial issues should seek professional counseling.
FAQ
How much can I borrow with payday loans in Texas?
At 1F Cash Advance, we offer Texas payday loans of up to $1,000. Your particular amount is subject to approval based on your income and credit.
Can I still qualify if I have bad credit?
Yes, we accept applicants with any credit score. People with bad credit can still qualify if they can prove their ability to repay. When assessing your application details, we focus on your income, payment history, employment stability, and current debts.
Will applying affect my credit score?
Our loans don't involve hard credit checks and are not displayed on your credit report. This means applying won't impact your credit score.
How quickly will I get the funds?
Approved borrowers typically receive the money on the next business day. Same-day funding may be possible if you sign your loan documents before 10:30 am on a banking day. In-store applicants who provide post-dated checks for repayment may get instant cash.
Can I get a Waco payday loan online?
Sure! 1F Cash Advance offers a fast and convenient online application that takes just 5 minutes to complete on our website or app. Simply enter your personal and financial details in our secure form, receive an instant loan decision by email, and get the approved funds via direct deposit within one business day.
What are alternative ways to get emergency cash?
If a payday loan doesn't meet your needs, consider an installment loan, title loan, or payday alternative loan from federal credit unions. You can also use a credit card or get a small cash advance via a money app. Alternatively, ask your employer for a paycheck advance or borrow money from your family.
Contact Us
Still have questions? Contact us in any convenient way. Our team is always happy to help.
