Virginia Payday Loan Alternatives
- Online or in‑store
- No impact on your credit score
- Licensed direct lenders
- Instant approval decisions
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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Living in Virginia and urgently need financial support? 1F Cash Advance is here to help. Complete our simple online form or visit our Virginia location to receive instant approval. We don’t run a hard credit check, so you may qualify even with bad credit. We make it easy to get the funds you need via direct deposit, so you can cover emergency expenses within 24 hours.
Payday Loans in Virginia
Payday loans are single-payment advances due in full on your next payday, often carrying triple-digit APRs. These loans are banned in Virginia.
State law permits only strictly regulated short-term installment loans: $100 to $2,500, repaid over 4-24 months in equal monthly installments with no balloon payment.
The APR is capped at 36%, and the monthly maintenance fee cannot exceed $25 or 8% of the outstanding balance. Each installment may be no more than 5% of your gross monthly income, protecting your budget.
Only one such loan is allowed at a time, and rollovers are prohibited. Another loan is possible only after the current one is fully repaid.
Installment Loans – a Better Solution
Installment loans are a safe, structured solution for borrowers in Virginia who need access to larger amounts with longer repayment terms. At 1F Cash Advance, you can apply for up to $5,000 and repay it in fixed monthly installments for 2 to 24 months. Each payment amount is clearly defined upfront, so you always know how much you owe and when it’s due.
You don’t need a high credit score to qualify. We look at your current income and ability to repay. The application takes only a few minutes, with quick approval decisions and fast funding.
How to Get a Small Loan at 1F Cash Advance
Getting a small loan with 1F Cash Advance is easy:
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Submit your application. Complete a secure online form and upload a valid ID with proof of income.
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Wait for a decision. A soft credit check is performed instantly. Your credit score won't be affected.
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Receive your funds. If approved, you may get the money on the same day*.
*Approvals before 10:30 am ЕT on a business day are usually funded on the same day. Requests submitted after 10:30 am ET or on weekends are processed on the next business day.
Eligibility for Online Loans
Small online loans from 1F Cash Advance are available to Virginia residents who meet the following requirements:
- Age 18 or older
- Valid government-issued photo ID
- Proof of residence in Virginia (utility bill or rent agreement)
- Proof of income
- Active checking account
- Valid phone number and email address
Approval is subject to qualifications. Submitting a request does not guarantee approval.
Rates and Terms
Here are examples of typical installment loan offers through 1F Cash Advance:
| Loan Amount | Term (Months) | Monthly Payment | APR | Total Interest |
|---|---|---|---|---|
| $500 | 4 | $134.51 | 36% | $38.05 |
| $1,000 | 12 | $100.46 | 36% | $205.55 |
| $5,000 | 24 | $295.24 | 36% | $2,085.69 |
Loan terms may vary based on creditworthiness and income. The examples above do not serve as a guarantee of any rates and terms that you may qualify for.
1F Cash Advance Store in Virginia
If you prefer in-person assistance, visit one of the 1F Cash Advance stores in Virginia. We provide fast and reliable service with clear loan terms and no hidden fees.
If you’re not near Reston or Roanoke, you can still apply online from anywhere in Virginia, including Virginia Beach, Norfolk, Chesapeake, Richmond, and Arlington. The process is quick, secure, and takes just a few minutes.
Need a loan in another state? Check out your area’s nearest 1F Cash Advance location.
Why Get Online Loans from 1F Cash Advance?
Here’s why people trust us:
Fast help without the hassle
We make it fast and simple to apply for a loan while protecting your personal and financial information from unaffiliated third parties via 2048-bit SSL encryption.
Simple eligibility
There is no need for perfect credit or tons of paperwork. You can qualify immediately with a stable income and valid ID.
Funds without the wait
Need money today? Submit your request early, and if approved, you can get your funds the same day via direct deposit.
FAQ
What are the best alternatives to payday loans in VA?
Safer options include installment loans, credit union loans, and cash advance apps. These alternatives often come with lower costs and more flexible terms than traditional payday loans.
What happens if I miss a payment?
Missing a payment may result in a late fee of $20. If you expect payment issues, contact your lender as soon as possible to discuss a payment plan or hardship options.
Is it possible to get approved with bad credit?
Yes. At 1F Cash Advance, approval is based on your current income and ability to repay, not just your credit score. Even borrowers with bad credit can qualify if they meet the basic requirements.
How can I reach your Customer Service team?
You can email us at [email protected] or call us at (571) 487‑7811. We're here to help during business hours.