Payday Loans in Temple, TX
at 3120 S 31st St, 76502
- (254) 239-0997
- Serving Temple 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 Temple
When unexpected expenses catch you by surprise, 1F Cash Advance is here to help you get emergency financing online and at a store. At our Temple, Texas location, you can find both short-term and medium-term loan options from licensed lenders for your urgent financial needs.
Through us, you can get a loan decision in minutes and receive the funds on the same day, even with bad credit. We are located near the Temple Mall and Texell Credit Union. Visit us today, fill out an easy application form, and get instant cash or a direct deposit within a 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
Alfredo Wall
Tried our service?
Loan Products
The 1F Cash Advance store in Temple connects residents with licensed lenders who offer personal loan options for a wide range of needs.
Payday Loans
Max. amount $1,000
Payday loans are short-term loans of up to $1,000 that need to be repaid in 14 to 30 days. They can help you cover small emergencies, unexpected expenses, and cash shortfalls between paychecks.
Installment Loans
Max. amount $5,000
Installment loans may work for larger expenses and big purchases that are difficult to handle within a short period. You can get up to $5,000 and repay the funds in fixed installments over 2 to 24 months. This predictability and flexibility reduce the debt burden and make budgeting easier.
How It Works
We make borrowing simple and fast so that you can apply in just 3 easy steps:
Visit our Temple store
Our staff is always here to help you with our easy and secure form. You can complete the entire process in just 5 minutes.
Get an approval decision
Processing is automatic, so you can get a loan decision in minutes.
Receive your loan
If approved, walk out with cash right away or have your loan funded to your bank account the same day.*
*Same-day funding is available for loans originated before 10:30 am on weekdays. Applications approved after 10:30 am, on weekends, or on holidays, will be funded on the next banking day. Borrowers who repay via a post-dated check can get instant cash at a store.
Your Loan Checklist
At 1F Cash Advance, we only ask for a few basic items to avoid the hassles of traditional loan processes:
- Age of at least 18
- Valid government-issued photo ID
- Social Security number
- Proof of income
- Proof of Texas address
- Active bank account with a routing number
- Valid email and cell phone number
About 1F Cash Advance in Temple, Texas
1F Cash Advance has been operating in Texas since 2019 to help hard-working people across the state access quick financial assistance, regardless of their credit score. We’ve helped thousands of borrowers in Temple, TX, find small personal loans to cover emergency expenses.
We keep the entire process simple. You can get an approval decision in minutes and receive the money from one of the lenders in our network on the same day.
1F Cash Advance is a trusted company that is committed to transparency, responsible lending, and fast, secure services. Our partner lenders disclose all the information needed to help you make an informed decision. When you work with us, you choose a licensed company that cares about your finances.
Find Our Nearby Store
Not in Temple? 1F Cash Advance operates across the state and provides in-store assistance in multiple Texas cities. Find a location near you and visit us for quick cash in your area.
440 Town Square, Copperas Cove, TX 76522
3329 Winthrop Ave, Fort Worth, TX 76132
201 S Americas Ave #208, El Paso, TX 79907
Responsible Borrowing Tips
1F Cash Advance promotes responsible borrowing practices to protect your financial health. Payday loans are short-term financial solutions and are not intended for ongoing needs. Using them over an extended period can lead to high total costs and may trap you in a cycle of debt — in the Killeen–Temple–Fort Hood, TX metro area, state data show payday lenders collected $509,362 in total fees on new single-payment payday loans in 2024.1 Use payday loans only for small emergencies or unexpected expenses. If you anticipate needing more time to repay the funds, avoid short-term borrowing and consider alternative options.
Before applying, ensure you can repay the loan on time. Be realistic about the amount you request and borrow only what you need to cover immediate expenses. Anyone facing credit or financial difficulties should seek professional counseling.
FAQ
How much can I borrow through 1F Cash Advance?
Texas payday loans come with amounts between $100 and $1,000, depending on your income, credit, and current debts. Installment loans allow you to borrow up to $5,000.
Why may I be denied a payday loan?
While payday loans are quite easy to get approved for, you may still be denied if you have insufficient income, unstable employment, or recent derogatory marks on your credit report. Rejection may also occur if you don't meet our lenders’ basic requirements. If you're denied, consider requesting a lower loan amount or exploring secured or joint loan options.
How fast will I get approved?
Most 1F Cash Advance applicants get approval decisions in less than 15 minutes. Make sure you attach all the required documents and provide accurate information to speed up the process. Approval is not guaranteed and is based on factors like your income, payment history, employment, and current debts.
Will applying affect my credit score?
Most lenders in our network offer loans with no hard credit checks through major credit bureaus. When you borrow from them, it does not affect your credit score as long as you pay on time. However, some lenders may run a hard inquiry before the final approval. Read the terms carefully before moving forward.
What's the difference between a payday loan and an installment loan?
Payday loans are short-term solutions that need to be repaid in full by your next paycheck. They are usually used for small emergencies and money gaps. Installment loans offer higher amounts with the ability to repay in equal parts over up to 24 months, making them suitable for larger needs and big purchases.
Should I choose a payday loan or a title loan?
It depends on your current situation and whether you are ready to take on the risk of losing your car. Payday loans may be a better option for you if you need a small amount and don't want to borrow against your valuable asset. A title loan may work if you own a car, need a higher amount, and are comfortable using your vehicle as collateral. However, both options have short repayment terms and often carry triple-digit APRs. Make sure you fully understand the terms and assess the pros and cons carefully before choosing the right option.
What's the easiest loan to get approved for?
Payday loans and loans from cash advance apps are usually considered the easiest borrowing options to get approved for. They can be obtained within 1 business day with any credit based on just your ability to repay. Read the terms carefully and make sure you understand the costs. Loans with easy-to-meet requirements often have high APRs.
Sources
- 1 Office of Consumer Credit Commissioner (Texas) — Credit Access Business (CAB) Annual Reporting, Calendar Year 2024 — Killeen–Temple–Fort Hood MSA single-payment (payday) CAB licensees reported $509,362 in total fees in 2024. March 2025.
Still Have Questions? Contact Us
We’d love to hear from you. Choose the most convenient way to reach us:
