Payday Loans in Waco, Texas
at 200 Webster Ave, 76706
- (254) 870-4391
- Serving Waco since 2019
- Apply in-store 8 am – 10 pm (Mon–Sun)
- Open 7 days a week
- Payday loans, Installment loans
- Online application 24/7
1F Cash Advance Store in Waco
If you need emergency cash near you in Waco, 1F Cash Advance can help you find a lender fast, often within 1 hour. Lenders in our network offer a wide range of bad credit loan options with quick approval and no denial solely based on credit, giving Texas borrowers who don’t qualify for traditional loans a second chance. 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 the funds on the same day.
- 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 helps Waco residents access a variety of small personal loans for different needs.
Payday Loans
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 processing and funding within a day make these loans suitable for urgent financial needs.
Installment Loans
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 and big purchases, and adjust your repayment schedule to fit your budget to keep payments manageable.
How to Apply for a Payday Loan
The 1F Cash Advance application 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
An automated verification process lets you get an approval decision quickly.
Receive your money
If approved, get instant cash at a store or receive the funds in your bank account via 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:
- Proof of age (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 help hard-working individuals get essential financial support regardless of credit history. Since then, we’ve connected thousands of Waco residents with lenders who consider bad credit applicants and provide fast financing for emergency needs.
We understand that borrowing from a traditional lender 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 company that prioritizes responsible lending, transparency, professional service, safe data handling, and compliance with state law. Visit our Waco cash store and enjoy our straightforward loan process with minimal requirements, transparent terms, fast approval decisions, 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
201 S Americas Ave #208, El Paso, TX 79907
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 tailored to 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 — in Texas, state data show payday loan APRs can exceed 400%.1 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?
1F Cash Advance’s partner lenders offer Texas payday loans of up to $1,000. Your exact amount is subject to approval based on your income and credit.
Can I still qualify if I have bad credit?
Yes, our lenders consider applicants with any credit score. People with bad credit can still qualify if they can prove their ability to repay. When assessing your application, lenders perform a soft credit check to assess your income, payment history, employment stability, and current debts. A hard credit check may be performed as part of the final approval.
Will applying affect my credit score?
In most cases, applying won't impact your credit score. Our partners usually run a soft inquiry during underwriting. However, some lenders may perform a hard credit check after notifying you in advance. This may temporarily drop your credit score by a few points.
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?
Yes. 1F Cash Advance has a fast and convenient online application that takes just 5 minutes to complete on our website or app. Simply fill out and submit our secure form to get connected with a lender, receive a loan decision by email within minutes, and get the approved funds deposited directly to your bank account 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, personal 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.
Sources
- 1 Texas Office of Consumer Credit Commissioner — 2024 Report on Availability, Quality, and Pricing of Certain Financial Services and Consumer Loan Products — credit access business (payday) fees are uncapped and APR can exceed 400%. December 2024.
Contact Us
Still have questions? Reach us through whichever channel works best for you. Our team is always happy to help.
