Payday Loan Alternatives in Charleston, WV
at 4118 Cottage Ave, 25304
- (304) 932-0139
- 2+ years in business
- Apply in-store 8:00 a.m. – 10:00 p.m. (Mon–Fri)
- Open on Saturday
- Installment loans
- Online application 24/7
1F Cash Advance Store in Charleston
1F Cash Advance helps you access short-term loan solutions with same-day funding so you can get through emergency situations. Quick cash loan options come with no hard credit check during prequalification, 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 accessible loan products designed for real-world needs and let our team show you modern, high-quality, and fast financial services.
- Monday8 a.m. – 10 p.m.
- Tuesday8 a.m. – 10 p.m.
- Wednesday8 a.m. – 10 p.m.
- Thursday8 a.m. – 10 p.m.
- Friday8 a.m. – 10 p.m.
- Saturday9 a.m. – 6 p.m.
- SundayClosed
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 repayment in equal installments over 2–24 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 more.
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 team will walk you through the application and answer any questions you have.
Get approved
A soft credit check allows you to get a loan decision within minutes, with no impact on your credit score.
Receive the funds
If approved, you can walk out with cash right away or receive your loan via same-day direct deposit to your bank account.*
*Loan approval is not guaranteed. 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 a.m. on weekdays. Applications approved after 10:30 a.m., 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 helping West Virginia residents who face urgent expenses—and can’t get extra cash elsewhere—access suitable loan options. In 2023, we opened our Charleston location to offer personalized support and customized loan options with a strong focus on residents’ specific needs.
We care about our customers and do not judge them by their credit score. At 1F Cash Advance, we believe in inclusivity and equal access to credit for all hard-working people who find themselves in need of extra funds.
What a Licensed Lender Cannot Do to You in WV
The WV Division of Financial Institutions applies these rules to every regulated consumer lender operating in the state.
- No balloon payments. A regulated consumer lender may not issue a loan contract with balloon payment terms.
- No prepayment penalty. You can pay the loan off early without being charged for it.
- Limited upfront fees. On a loan of $3,500 or less, the only permitted charge alongside interest is a non-refundable processing fee of no more than 2% of the amount financed, and that fee counts toward the finance charge. Other points, origination fees, and investigation fees are not allowed.
- No credit cards. A regulated consumer lender license does not permit issuing them.1
Customer Notice
West Virginia law bans payday loans in their traditional form. The state enforces an APR cap of 31% on all small loans up to $3,500. For loans above $3,500 and up to $15,000, an APR cap of 27% applies. 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. With us, you can explore legal payday loan alternatives with upfront terms so you can 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, traditional payday loans are effectively prohibited in West Virginia.
Can I get a loan with bad credit?
Loan options through 1F Cash Advance are available to borrowers with any credit type. Our partner lenders set no minimum credit score requirements and assess your overall financial situation during the underwriting process.
How much can I borrow?
Lenders in our network offer amounts of 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.
Sources
- 1 West Virginia Division of Financial Institutions — Regulated Consumer Lender licensing requirements.
