Wisconsin Payday Loans
- Borrow up to $1,000 online
- Money from a licensed direct lender
- Fast & easy application
- Same-day funding options
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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When times get tough, and you cannot wait until your next paycheck, payday loans may be a good option. They are used to cover a wide range of emergency expenses, from medical bills and car repairs to rent payments and groceries.
At 1F Cash Advance, we offer online payday loans to people across Wisconsin who are looking for a quick and easy way to get extra funds. Apply for a cash advance online, receive an instant approval decision, and get a same-day direct deposit – all this with no credit check involved.
How Can I Get a Cash Advance in Wisconsin?
Follow these 3 simple steps to apply:
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Submit your application. Complete a form online, in a store, or over the phone by calling (414) 928-8118.
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Get approved. We perform no hard credit check, making it possible to provide a loan decision instantly.
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Receive your money. If approved, get the funds in your bank account on the same day.
*Applications processed and approved before 10:30 am CT on business days are typically funded on the same day. Loans originated after 10:30 am CT or on weekends will be processed on the next banking day.
Who Can Qualify?
We accept all adult residents of Wisconsin, regardless of their credit scores. Here’s what you’ll need to apply:
- Valid ID and SSN
- Routing and bank account numbers
- Proof of income
- Proof of Wisconsin address
- Valid working phone number
Rates & Fees
We offer Wisconsin residents online payday loans of up to $1,000, depending on their monthly income. The state average APR on a payday loan is 696.71%. Your particular APR will depend on the amount you borrow, your creditworthiness, and the repayment term. If you pay late, a missed payment fee of up to $15 will be applied. For more details, check out our payday loan FAQs and licensing information.
Payday Loans vs. Installment Loans
Unlike a payday loan, which must be repaid in one lump sum within up to 31 days, an installment loan allows you to pay in a series of affordable monthly or bi-weekly installments. You can borrow up to $5,000 and choose the repayment option that best suits your budget, with the maximum period of 24 months.
Here are term and rate examples:
Wisconsin payday loan for a 14-day term
| Loan Amount | Finance Charge | Total Payment Amount | APR |
|---|---|---|---|
| $300 | $60.04 | $360.04 | 521.8% |
| $500 | $100.07 | $600.07 | 521.8% |
| $700 | $140.10 | $840.10 | 521.8% |
Wisconsin installment loan for a 6-month term
| Loan Amount | Monthly Payment | Total Payment Amount | APR |
|---|---|---|---|
| $500 | $166.63 | $999.79 | 291.4% |
| $700 | $233.28 | $1,399.7 | 291.4% |
| $1,000 | $333.26 | $1,999.58 | 291.4% |
Find 1F Cash Advance Near You
Have a unique situation or need help with your application? We’re always here to serve. Visit one of our Wisconsin stores and let us guide you through the process.
Not in Wisconsin? Find our nearest location in your state.
Why Choose 1F Cash Advance
1F Cash Advance offers several benefits designed to make your borrowing experience smooth and pleasant:
Easy Qualification
We’re not focused on your credit issues and have easy-to-meet eligibility requirements. This allows us to provide quick financial support to those who need it most.
No Hidden Fees
All the loan terms are clearly stated in your loan agreement and easy to understand. You don’t have to worry about any extra costs you were not prepared for.
Fast & Secure Process
Our application procedure takes less than 5 minutes to complete. Approved borrowers receive their loan funds on the same or next business day.
What Our Customers Are Saying
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
FAQ
Can I apply for a payday loan with bad credit?
We set no minimum credit score requirements, allowing you to qualify even with bad or no credit. Our verification process includes assessing your overall financial profile with a focus on your income and payment history.
What are payday loan alternatives?
If a payday loan doesn’t meet your needs, consider an installment loan with a longer repayment period and a higher amount available. Alternatively, you can apply for a credit union loan, take out a credit card cash advance, or borrow money from your family.
Will applying for a payday loan affect my credit score?
Applying for a loan from 1F Cash Advance doesn’t affect your FICO score due to no credit check via major credit bureaus. We only verify your application details via a soft credit inquiry.
How can I contact Customer Service?
Our customer support representatives are always available at (414) 928-8118. You can also contact our team by submitting a feedback form on the website or emailing us at [email protected].
What if I can’t repay on time?
If you fail to repay a payday loan by the due date, you may face a missed payment fee of up to $15. Additionally, you may be offered the opportunity to repay the loan in 4 equal installments with an interest rate of 2.75% per month. The maturity dates will be tied to your pay period schedule. Alternatively, you may be offered to refinance your loan with another payday loan once. Contact your lender as soon as you understand you can’t repay on time to negotiate your options.