Payday Loans in Providence, RI
at 1 Empire St ste 200, 02903
- (401) 214-9941
- 2+ 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
1F Cash Advance Store in Providence
If you’re facing an unexpected expense in Rhode Island, 1F Cash Advance is ready to help. Our store in Providence is conveniently located on Empire Street, near the Jewelry District and popular local cafés, making it easy to reach us. Here, you can apply for a short-term loan in just minutes with no credit check required.
Our loan process is simple and secure. Borrowers may receive same day approval and instant funding to handle emergencies fast. Stop by today and let our team help you get the money you need without hassle.
- 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
Payday Loans, Installment Loans
Fred Morgan
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Available Cash Loans
1F Cash Advance in Providence offers practical borrowing options for short-term emergencies and larger goals:
Payday Loans
Max. amount $450
Payday loans allow you to get up to $450 with minimal paperwork and a quick approval process. The repayment is made in one lump sum by your next payday, typically within 14 to 31 days. These loans can help you cover urgent costs or fill small money gaps.
Installment Loans
Max. amount $5,000
Installment loans provide up to $5,000 with the ability to repay in fixed, equal payments over 2 to 24 months. They work best for covering expenses such as home improvements, debt consolidation, education expenses, or larger emergency costs.
How to Get Started
At 1F Cash Advance, getting a loan in Providence is quick and straightforward:
Fill out a secure application
Visit our store and let our team make this 5-minute process smooth and stress-free.
Wait for a loan decision
The underwriting process involves a soft credit check that does not affect your credit score and allows you to get an almost immediate approval decision.
Receive your money
If approved, get instant cash at the store or receive a direct deposit to your account on the same day.*
*In-store cash loans are offered to customers who provide a post-dated check for repayment. If you opt for a bank transfer, loans approved before 10:30 am on business days are funded the same day. Later, weekend, or holiday approvals are processed on the next banking day.
Documents Required for Applying
To complete your loan application, you need to provide:
- Valid government-issued photo ID
- Social Security Number
- Income verification
- Proof of current Rhode Island address
- Checking account and routing numbers
- Active email address and mobile phone number
About 1F Cash Advance in Providence, Rhode Island
1F Cash Advance has been helping Rhode Island residents get fast and fair loan solutions since 2019. Our physical store in Providence was opened in 2023 to provide borrowers with in-person support and customized financial products. We know that urgent expenses can happen to anyone and accept applicants with any credit. Our loan process is safe, quick, and easy so that you can get the money you need on the same day without worries.
We believe in transparent lending and don’t hide anything from you. Both our payday and installment loans have reasonable, upfront terms that you can review before signing. Our professional team is always here to answer your questions and explain every detail. At 1F Cash Advance in Providence, we care about your financial future and want you to have a good experience with us.
Responsible Borrowing
A payday loan is a temporary fix for sudden expenses, not an option for your long-term needs. Before you apply, make sure you fully understand all the loan terms, including the total cost and your payment deadline. Responsible borrowing means only taking out what you truly need and can repay on time. At 1F Cash Advance, we are transparent about every detail and never charge hidden fees. If you are struggling with ongoing debt or experience credit issues, refrain from borrowing and seek professional counseling.
FAQ
Are payday loans permitted in Rhode Island?
Yes, payday loans are legal in Rhode Island, but certain restrictions apply. 1F Cash Advance fully complies with all local regulations and has a valid license to operate in the state.
What is the maximum loan amount available in Providence?
The maximum payday loan amount you can borrow in Providence with us is $450. For large needs, consider our installment loans of up to $5,000.
Is it possible to get a payday loan in Providence with bad credit?
Yes, you can qualify for our loans even with bad credit. At 1F Cash Advance, we look primarily at your current income and perform only a soft credit check to estimate your overall financial situation.
How soon will I receive my funds after approval?
If you borrow money in-store and provide a post-dated check, you’ll receive cash immediately after approval. For bank transfers, funding times are typically as soon as the next business day. Loans approved before 10:30 am on a banking day are deposited on the same day.
What should I do if I am unable to repay my loan on time?
If you think you might miss a payment, contact your lender as soon as possible to discuss your options. Under Rhode Island law, you may be offered one rollover, but it can incur additional charges.
Which is better: a payday loan or title loan?
A title loan is secured by your vehicle, so it allows you to borrow more money for a short period at a lower APR. However, if you cannot pay back the loan, you risk losing your car. Payday loans do not require collateral but often have higher interest rates. They also offer lower borrowing limits and may not meet some of your emergency needs.
