Payday Loans in Arlington, Texas
at 2218 N Collins St, 76011
- (682) 297-6665
- 4+ years in business
- In-store application 8 am – 10 pm (Mon–Fri)
- Open on Saturday
- Payday & installment loans
- Customer support available 24/7
1F Cash Advance Store in Arlington
If you need emergency cash in Texas, 1F Cash Advance can help you get money quickly without a traditional credit check. Visit our Arlington store and let us help you cover unexpected expenses.
We are located in the Washington & 157 business center, near Tailor & Cleaners. Our easy application process comes with fast approval and instant funding if you qualify.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday9 am – 6 pm
- SundayClosed
Ralph Carson
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How Do Arlington Payday Loans Work?
Payday loans give people small, short-term cash for emergency expenses. The maximum loan amount you can borrow with 1F Cash Advance in Arlington is $1,000, but no more than 20% of your gross monthly income for a single-payment loan under the City of Arlington’s payday lending ordinance. The repayment period is 14–30 days. Bad-credit applicants can qualify because we do not perform hard credit checks. Processing is fast, so you can get the money you need from a direct lender on the same day you apply.
Customer Notice: Payday loans are designed for urgent money needs and should only be used as a short-term financial solution. Using them as a long-term tool can be expensive. Consider whether you can repay before applying. Borrowers with credit issues should seek credit counseling.
Loan Products Available
1F Cash Advance offers quick help for a range of personal needs. Here are the loans available at our Arlington store.
Payday Loans
Max. amount $1,000
Borrow up to $1,000, with no hard credit check, and pay it back over 14–30 days. Fast processing times allow you to get same-day cash for minor repairs, unforeseen bills, medical costs, and other short-term needs.
Installment Loans
Max. amount $5,000
An installment loan gives you quick cash for larger expenses and big purchases while keeping your payments manageable. With amounts between $500 and $5,000 and flexible repayment terms of up to 24 months, you can get a lump-sum deposit within a day and spread the total cost into fixed monthly installments.
How to Apply at the Store
We make it easy to get a small personal loan in Arlington, TX, in just 3 simple steps:
Visit a store
It will only take you 5 minutes to fill out our easy and secure application form. Our friendly staff is always here to help you navigate the process.
Get approved quickly
The underwriting involves no hard credit check, so we can process your application quickly and give you a fast decision.
Receive the funds
Once approved*, get the money via same-day direct deposit or receive instant cash.**
*Loan approval is not guaranteed. Eligibility depends on your application and financial details.
**Same-day deposits are available for approvals before 10:30 am on weekdays. Applications submitted later or on weekends will be processed on the next banking day. Instant funding is available if you provide a post-dated check covering the full amount due.
What Do I Need for an In-Store Application?
Here are the basic documents and information you need to bring:
- Valid US-issued photo ID
- Social Security number
- Proof of income
- Address confirmation
- Bank account and routing numbers
- Valid email and phone number
About 1F Cash Advance in Arlington, TX
1F Cash Advance puts customers first, providing exceptional service. We are a local company that cares about the communities it serves. For over 4 years, we have been helping Arlington residents cover emergency expenses regardless of credit scores. Whether it’s an urgent home repair, a car breakdown, or an unexpected bill, we’re always here to help you get the money you need when you need it — backed by transparent terms and zero hidden fees.
Find Our Nearby Stores
Looking for loan places outside of Arlington? We provide fast in-store assistance across Texas. Check out the list of our locations to find a 1F Cash Advance store near you.
3329 Winthrop Ave, Fort Worth, TX 76132
440 Town Square, Copperas Cove, TX 76522
Not in Texas? 1F Cash Advance operates in many states, either with physical stores or online.
Texas help for an income gap
People reach for a payday loan to cover a short gap between paychecks. But before you borrow, ask whether the gap has a cause you can fix, because the fix often costs less than a loan.
- Lost a job or had your hours cut? The Texas Workforce Commission, working with 28 local boards statewide, runs unemployment insurance, job matching, training, and child-care help. Unemployment insurance is temporary support if you lost work through no fault of your own.1
- Sometimes the pay just never showed up. About 17% of low-wage workers face minimum-wage violations each year, losing close to $3,000 on average. The Texas Payday Law lets you claim those wages, and the Workforce Commission enforces it; one study found nearly $99 million ordered across 57,000+ Texas cases from 2010 to 2020.2
- Single parents feel the squeeze hardest, often from unpaid child support. The child support enforcement program can help you find the other parent, establish paternity, set up an order, and keep payments coming. Any parent can apply, free on certain benefits, a small fee otherwise.3
- Keep the long game in mind too. A short-term loan can get you through a real emergency, but high-cost borrowing becomes a problem when it turns into a habit, working against bigger goals like saving for a home. Use it for a genuine need, pair it with a plan to rebuild savings, and it stays a tool.4
FAQ
Are payday loans legal in Texas?
Yes, payday loans are legal in Texas, provided that they are offered by a legitimate lender. At 1F Cash Advance, we are licensed to operate in the state and follow Texas law, so you can borrow with confidence.
What is a payday loan APR?
A payday loan cost is typically expressed in a flat fee, which is $10–$30 for each $100 borrowed. This translates to an APR of around 260%–782%. According to the OCCC's Q2 2024 CAB report, the average Texas payday loan APR is 453.1% (based on the average term of 29 days). Your actual APR will depend on your credit and payment history.
Can I get a payday loan with bad credit?
1F Cash Advance helps find loans with no minimum credit score requirements. We make an approval decision based on your overall financial situation, including your income, employment stability, debts, and payment history. Borrowers with bad or no credit can qualify if they can prove their ability to repay.
Sources
- 1 Texas Workforce Commission — Self-Evaluation Report submitted to the Sunset Advisory Commission. August 2025.
- 2 Institute for Policy Research, Northwestern University — Powers and Practices in Labor Standards Enforcement. November 2025.
- 3 U.S. House Committee on Ways and Means (Green Book) — Section 8: Child Support Enforcement Program.
- 4 America First Policy Institute — Rebuilding the American Dream: Homeownership for All Americans. January 2026.
- 5 Federal Financial Institutions Examination Council — FFIEC Annual Report 2025. March 2026.
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