Payday Loan Alternatives in Charleston, WV
at 4118 Cottage Ave, 25304
- (304) 932-0139
- 2+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on Saturday
- Installment loans
- Online application 24/7
1F Cash Advance Store in Charleston
1F Cash Advance provides short-term loan solutions with same-day funding to help you overcome emergency situations. Our quick cash loans come with no credit check, making them suitable for West Virginia residents with bad credit. Our Charleston store is located near Horace Mann Middle School, right in front of the Dunkin’ coffee shop. Visit us today for reliable and easy-to-get loan products and let our team show you what a modern, high-quality, and fast financial service is.
- 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
Installment Loans
Dan Bisson
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In-Store Loan Products
At the 1F Cash Advance store in Charleston, you can get a flexible financial solution for a wide range of your personal needs.
Installment Loans
Max. amount $5,000
Installment loans can help you borrow up to $5,000 with the repayment in equal installments over 2 to 24 months. This product provides a legal alternative to high-cost payday loans and helps you keep your payments affordable. You can use the funds for big purchases, debt consolidation, medical expenses, and other.
Loan Process from Application to Cash
Complete our easy process in just 3 steps:
Visit a store
You need just 5 minutes to fill out a simple form. Our friendly team will make the application smooth and gladly answer all your questions.
Get approved
A soft credit check allows you to get a loan decision almost immediately, with no impact on your credit history.
Receive the funds
If approved, you can walk out with cash instantly or receive your loan via same-day direct deposit to your bank account.*
*Loan approval is not guaranteed. The loan eligibility is determined based on factors such as your income, employment status, debts, and recent payment history.
Same-day funding is possible if you finalize your loan before 10:30 am on weekdays. Applications approved after 10:30 am, on weekends, or on holidays, will be processed on the next business day. Instant cash is offered to borrowers who provide post-dated checks for repayment.
Prepare These Items for In-Store Application
Here’s what you need to provide:
- Valid government-issued photo ID
- Social Security number
- Proof of income
- Proof of West Virginia address
- Active bank account and routing numbers
- Valid email and cell phone number
About 1F Cash Advance in Charleston, West Virginia
Since 2019, 1F Cash Advance has been offering easy loan solutions to West Virginia residents who face urgent expenses and can’t get extra cash elsewhere. In 2023, we opened our Charleston location to provide personalized support and customized financial products with a strong focus on residents’ real needs.
We are known as a loan company that cares about its customers and does not judge them by their credit rating. We stand for inclusivity and equal credit opportunities for all hard-working people who find themselves in need of extra funds.
Customer Notice
West Virginia law bans payday loans in their traditional form. The state enforces an interest rate cap of 31% on all small loans up to $2,000. Some out-of-state lenders may advertise payday loans in WV, but be cautious — these offers often come with predatory terms that don’t comply with West Virginia lending regulations.
1F Cash Advance fully complies with all state laws and holds a valid license to operate in West Virginia. We provide legal payday loan alternatives and clearly disclose all terms to help you make an informed decision. Before applying, ensure that you can afford the amount you plan to borrow and repay it with interest on time. Individuals facing credit or financial difficulties are encouraged to seek professional counseling.
FAQ
Are payday loans legal in West Virginia?
Under W. Va. Code 46A-4-107 and 32A-3-1 et seq., traditional payday loans are prohibited in the state.
Can I get a loan with bad credit?
Loans from 1F Cash Advance are available to borrowers with any credit type. We set no minimum credit score requirements and assess your overall financial situation as part of the underwriting process.
How much can I borrow?
Loans from 1F Cash Advance allow you to borrow up to $5,000. The amount you can qualify for depends on your income and credit history.
When will I receive my loan funds?
Most borrowers get their funds as soon as the next business day after approval. Those who finalize their loans before 10:30 a.m. on a weekday usually receive their money the same day. Instant cash is available to in-store applicants who provide a post-dated check upfront.
Do I need a bank account to apply?
Yes. An active bank account in your name is usually required to approve and fund your loan, as well as to collect payments. However, borrowers who take out in-store loans with post-dated checks can receive cash without needing a bank account.
