Payday Loans in Killeen, Texas
at 420 W Rancier Ave, 76541
- (254) 312-5376
- 7+ years in business
- Apply in-store 8 am – 10 pm (Mon–Sun)
- Open on weekends
- Payday Loans, Installment Loans
- Online application 24/7
1F Cash Advance Store in Killeen
If you need quick cash today to cover an unexpected expense, visit our store and walk out with the money you need in minutes. Our office in Killeen, TX, is located two blocks east of North Fort Hood Street, right next to Spirit of Fort Cavazos Thrift. We offer free parking and have a Bus Route 5 stop at our door, making it easy to find us.
The 1F Cash Advance team is always here to help Killeen residents choose the right loan option from one of the trusted direct lenders in our network. Our partners work with bad-credit borrowers and offer same-day funding options so you can get the money you need fast when emergencies strike.
- 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
Dustin Major
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Available Loans
Our lenders offer small personal loan options in Killeen, TX, to help you handle urgent expenses:
Payday Loans
Max. amount $1,000
A payday loan can help cover emergency costs until your next paycheck. You can borrow up to $1,000 for up to 31 days and use the money for minor repairs, unexpected bills, and other urgent costs.
Installment Loans
Max. amount $5,000
An installment loan spreads repayment over time. These loans can offer up to $5,000, with flexible terms of 2–24 months. You can use them to cover larger expenses, such as medical bills, moving costs, or essential purchases.
Quick Loan Application
Follow these 3 simple steps to apply for a loan today:
Visit our Killeen store
Stop by during business hours and fill out an easy application form. It takes 5 minutes to complete.
Get a fast decision
Your application will be processed automatically. Most customers receive an approval decision within minutes.
Receive your funds
Once approved, you can choose to receive cash at the store or have the funds deposited directly into your checking account within 1 business day.*
* Loans finalized before 10:30 am on a business day are funded on the same day. Approvals after 10:30 am, on weekends, or on holidays will be processed on the next banking day. Instant cash loans are provided against a post-dated check for in-store applications only.
Gather These Before You Visit
Here are the basic documents and information our lenders ask for:
- Government-issued photo ID
- Social Security Number
- Proof of income
- Proof of Texas address
- Checking account number and routing number
- Working phone number and valid email
- Proof of age (18+)
- Must not be a Military active-duty service member
About 1F Cash Advance in Killeen, Texas
1F Cash Advance has been serving Killeen’s community since 2019. We partner with lenders who prioritize accessibility, speed, and transparent terms, and quick funding times. Our team has helped thousands of residents find loans during emergencies and get financial relief regardless of their credit history.
At 1F Cash Advance in Killeen, you’ll get personalized assistance from people who care. We also offer check cashing services in Killeen, TX. Our lenders provide same-day cash for your urgent needs without the lengthy paperwork requirements of traditional banks.
Find a Store Near You
Not in Killeen? Consider our other Texas stores:
440 Town Square, Copperas Cove, TX 76522
3329 Winthrop Ave, Fort Worth, TX 76132
201 S Americas Ave #208, El Paso, TX 79907
Customer Notice
Short-term loans are designed to cover temporary cash shortages or unexpected expenses. They should not be used as a permanent fix for regular financial obligations.
If you need more time to repay the funds, consider installment loans, credit-union loans, or other alternatives. Borrow only what you can repay on time and avoid rollovers or renewals as they make your loan expensive — Texas credit access businesses reported 93,504 refinances of single-payment payday loans in 2024, according to state data.1 Applicants facing financial difficulties should seek professional counseling.
FAQ
Are payday loans legal in Texas?
Yes. Payday loans through a licensed Credit Access Business (CAB) are legal throughout the state. CABs must partner with a registered third-party lender and follow Texas Finance Code Chapter 393. We fully comply with the state law.
How much can I borrow through emergency loans in Killeen?
Payday loans from 1F Cash Advance offer amounts of $100–$1,000. With an installment loan, you can borrow up to $5,000. Title loans in Killeen, TX, allow you to get up to 50% of your vehicle’s appraised value. However, they are not available through 1F Cash Advance and come with the risk of losing your vehicle.
Can I get a payday loan without good credit?
Bad credit alone is usually not a reason for denial when you apply through 1F Cash Advance. Our lenders focus on your income, employment, and payment history instead of relying solely on your FICO score. However, bad credit may affect your loan terms, resulting in higher APRs and fees.
How fast can I get approved?
If you visit our store with the required documents, the verification process typically takes around 15 minutes. Some applicants may even receive instant loan decisions. However, approval is not guaranteed and is subject to qualifications.
Can I apply online or only in-store near me?
You can do both. Our secure online form is available on the website 24/7. After processing your application, you will receive a response via email in minutes. If approved, the funds will be deposited directly into your bank account within 1 business day.
Sources
- 1 Texas Office of Consumer Credit Commissioner — Credit Access Business (CAB) Annual Data Report, CY 2024 — 93,504 total refinances reported on single-payment deferred presentment (payday) loans originated in 2024. November 2025.
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