Payday Loans in Columbia, SC
at 107 Westpark Blvd, Suite 160, 29210
- (803) 477-3054
- 3+ 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 Columbia
If you need short-term cash, 1F Cash Advance is at your service. We help borrowers across South Carolina find fast and accessible loans with same-day funding, no matter whether they have good, bad, or no credit. Our Columbia store is conveniently located near Carolina Endodontics and the South Carolina State Firefighters Association. If you prefer an in-person borrowing experience, our friendly team is ready to guide you every step of the way.
- 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
Emmanuel Warren
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Loan Products Available In-Store
We can help you find small personal loans in Columbia for different needs:
Payday Loans
Max. amount $550
Payday loans give you quick cash until your next paycheck. With 1F Cash Advance, you can borrow up to $550 and have up to 31 days to repay the funds. These cash advance loans are typically used to cover unexpected bills, urgent repairs, or other unplanned expenses.
Installment Loans
Max. amount $5,000
Installment loans in Columbia can help with larger cash needs by letting you borrow more over a longer period. Get up to $5,000 for debt consolidation, medical expenses, big purchases, or home improvements and repay in fixed installments over up to 24 months.
How to Apply for a Payday Loan
Here’s how to get a payday loan with 1F Cash Advance in Columbia, SC:
Visit a nearby loan office
Complete our secure application form in just minutes. Our team is always here to help.
Get an instant decision
Verification is fast and requires no hard credit check, so you’ll get a decision almost immediately.
Receive your funds
Get your money in cash or via a same-day direct deposit.*
*Loan approval is not guaranteed. All applications undergo a soft credit check that looks at your ability to repay. If approved by 10:30 am on a business day, funds are typically deposited on the same day. Applications submitted after 10:30 am or on non-business days are processed the next business day. Instant cash loans are available only with a post-dated check.
What You Must Bring to Apply
To apply, you’ll typically need to provide:
- Government-issued photo ID (proving you are at least 18)
- Social Security Number
- Proof of income
- Proof of address
- Checking account and routing numbers
- Working phone number and email
About 1F Cash Advance in Columbia, South Carolina
For more than 6 years, 1F Cash Advance has been serving borrowers nationwide, helping them handle urgent financial needs. Our store in Columbia was opened in 2023 to give people the hands-on help they need, regardless of credit history.
We support responsible borrowing and clearly disclose all terms so you can make an informed decision. With us, you can apply for a loan in minutes, receive a customized offer instantly, and get your money within a day with no hard credit check needed. Come visit us today — our team is ready to help.
How South Carolina limits payday loans
In South Carolina, a single payday advance is capped at $550, and the term runs up to 31 days. That is why our Columbia store keeps payday amounts within that limit and directs borrowers who need more to an installment loan. The cap exists because this kind of short-term credit is costly.
The rollover number is the one to watch. Because about 15% of loan sequences stretch to ten loans or more, with a new fee each time, the danger is not the first loan but the re-borrowing that can follow it.1
Thin or damaged credit is common in the South
If your credit is thin, that is a regional pattern more than a personal failing. Research linking credit-bureau records with Census data found that by age 30, about 65% of people who grew up in the South and Appalachia have had a 90-day-plus delinquency on their credit report. In the upper Midwest the figure is 32%.
The surprising part is the cause. The most common source of these early marks is not loans or credit cards but overdue utility and phone bills, with medical bills close behind.2
Staying current on regular bills protects your credit about as much as managing a loan does. It is also why we run no hard credit check through the major bureaus for a payday advance, so a quick look at your ability to repay will not affect your score.
FAQ
How quickly can I receive a loan in Columbia?
You can get your funds by the end of the same day if you apply before 10:30 am on a banking day. Otherwise, you will receive the money on the next business day. In-store borrowers may also get instant cash if they provide a post-dated check for repayment.
What is the maximum payday loan amount in South Carolina?
The maximum payday loan amount available in South Carolina is $550. If you need more, consider installment loans of up to $5,000 with repayment terms of 2–24 months.
Can I apply if I'm currently unemployed?
Yes, you can apply for a loan without an official job, but you need to provide proof of income to qualify. At 1F Cash Advance, we also consider alternative income sources, such as self-employment.
Will applying for a cash advance loan affect my credit score?
Most lenders perform no hard credit check through major credit bureaus. They only conduct a soft credit inquiry during the application review, which won’t affect your credit score. However, some of them may perform a hard credit inquiry as part of final verification.
Is it possible to get a loan with poor credit?
We do not have minimum credit score requirements. Borrowers with any credit rating are welcome to apply online or at our Columbia store.
Sources
- 1 Congressional Research Service — An Overview of Consumer Finance Products and Related Policy Issues. December 2025.
- 2 Bakker, DeLuca, English, Fogel, Hendren & Herbst — Credit Access in the United States. May 2026.
