Installment Loans in Roanoke, VA
At 3621 Blue Hills Village Drive Ste H, 24012
- (540) 613-1226
- Serving Roanoke since 2019
- Apply in-store 8 am – 10 pm (Mon–Fri)
- Open on Saturday
- Installment loans
- Online application 24/7
1F Cash Advance Store in Roanoke
Visit our Roanoke store for fast cash and friendly, face-to-face service. We combine speed with a personal service, making it easier for you to find a loan in an emergency, even with bad credit. Our team at the Roanoke location is happy to help you explore different financial options for your situation. You can find us near the Member One Federal Credit Union, right next to Jersey Mike’s Subs. Rest assured you will be connected with state-licensed lenders and, if approved, get a loan with transparent terms.
- 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
Wilda Bolanos
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Loan Products
Through 1F Cash Advance, you can access small personal loans in Roanoke, VA:
Installment Loans
Max. amount $2,500
An installment loan is designed for big purchases or larger expenses. You can borrow up to $2,500 for 4–24 months, keeping your payments manageable. This option can work for debt consolidation, home improvements, high medical bills, and big purchases.
How to Apply for a Short-term Loan
Here are the three easy steps to take to apply for a loan at our Roanoke location:
Visit our store
Come to our 1F Cash Advance office during business hours and fill out a short application form, which takes 5 minutes to complete.
Get a loan decision
Your application will be reviewed automatically, allowing you to get an approval decision in minutes.
Receive your money
Once you’re approved, you’ll receive cash right away or get the funds deposited into your bank account within 24 hours.*
*Approval is not guaranteed. Lenders may run a hard credit check with advance notice to you before making a final decision. If you get approved before 10:30 am on a banking day, you might receive your funds on the same day. Later or weekend approvals are usually funded on the next business day. Cash loans are issued in-store against a post-dated check.
What You Must Bring to Apply
Have the following documents and information ready before applying:
- Valid government-issued photo ID
- Proof of income
- Proof of current residence in Virginia
- An active checking account in your name
- A phone number and a valid email address
- Minimum age of 18
About 1F Cash Advance in Roanoke, Virginia
1F Cash Advance is a state-licensed company that has been serving people in Virginia since 2019. Our store at 3621 Blue Hills Village Drive Ste H, Roanoke, VA 24012 has helped thousands of customers find flexible financial solutions for emergency situations. Our customer-centric approach and professional team make us a trusted source for loans in Roanoke, VA. We are committed to responsible lending, secure services, integrity, and following all Virginia lending laws.
Our partner lenders offer short-term loans in Roanoke, VA, to help people in a tough financial spot get the money fast. 1F Cash Advance in Roanoke, we prioritize clear loan terms, attentive service, and secure data handling.
Our Stores Nearby
If you aren’t in the Roanoke area, 1F Cash Advance has other locations ready to serve you in Virginia:
11130 The Turquoise Trail, Reston, VA 20191
Responsible Loan Usage
We care about our customers’ financial well-being. Short-term loans should only be used for urgent needs and for amounts you can comfortably repay. Repeated borrowing may trap you in a cycle of debt. Do not use these loans for luxury items or everyday expenses that don’t fit your budget. If you face ongoing financial challenges or have credit issues, consider reaching out to a licensed credit counselor for safer, long-term options.
FAQ
Are payday loans legal in Virginia?
Payday loans as they used to exist are no longer legal in Virginia. Since January 1, 2021, they have been replaced with regulated short-term installment loans. These loans can be up to $2,500, must run for 4–24 months, and may only be offered by licensed lenders under state law.
Can I get a bad credit loan in Roanoke?
You can still qualify for a loan, even if you have bad credit. One of the key features of working with us is that we partner with lenders that rely on your income and ability to repay rather than on your credit score. A soft credit check is used to prequalify you; a hard inquiry may follow upon formal application.
How much money can I borrow in Roanoke?
Through 1F Cash Advance, you may get a short-term loan of up to $2,500 in Virginia.
How fast can I get money in Roanoke?
Loans available through 1F Cash Advance are funded as soon as the next business day after approval. Applicants who get approved before 10:30 am may receive the money on the same day. Those who apply in-store can get instant cash if they repay via a post-dated check provided upfront.
Can I apply for a short-term loan online?
Yes, you can apply for a short-term loan through our website right now. The process is easy and quick, and your data is secured by 256-bit encryption.
What happens if I can’t repay my loan on time?
Late or missed payments may result in a late fee of up to $20 or 5% of the unpaid installment amount, whichever is less, per Virginia Code § 6.2-2216. They could also negatively affect your credit. If you think you won’t be able to repay your loan, contact your lender before the due date. They may be able to offer you an extended payment plan or a hardship program.
Are there alternatives to payday loans in Roanoke?
Yes, there are several alternatives to taking out a payday loan in Roanoke — nationwide, only 5.8% of households used a payday, pawn shop, auto title, or tax refund anticipation loan (or a rent-to-own service) in 2023, so most people find another option first.1 For a higher loan amount with a longer repayment period, opt for an installment or personal loan. You can also consider loans from credit unions, cash advance app loans, borrowing from family, paycheck advances from your employer, and local assistance programs.
Sources
- 1 FDIC — 2023 FDIC National Survey of Unbanked and Underbanked Households — 5.8% of U.S. households used a rent-to-own service or a payday, pawn shop, auto title, or tax refund anticipation loan in 2023. November 2024.
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If you have any more questions, don’t hesitate to reach out!
