Payday Loans in Racine, WI
at 3203 Washington Ave, 53405
- (262) 218-4333
- 4+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on Saturday
- Payday loans, installment loans
- Online application 24/7
1F Cash Advance Store in Racine
No matter why you need a loan, we’re here to help you access extra cash in Wisconsin. Worried about bad credit? At 1F Cash Advance, it won’t stop you from getting approved. Visit our loan office in Racine and get quick financial support with no credit check today. We are located near Washington Park Golf Course. Our professional team is always ready to assist when you need fast funds.
- 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
Payday Loans, Installment Loans
Shannon Wright
Tried our service?
Loans Available In-Store
Discover the solutions we offer Racine residents:
Payday Loans
Max. amount $1,000
If you have an unforeseen bill or an urgent expense to cover, a payday loan can provide you with up to $1,000 within 24 hours. These short-term loans need to be repaid by the next paycheck, usually in up to 31 days.
Installment Loans
Max. amount $5,000
Installment loans are considered an affordable option for larger expenses and big purchases. Borrow up to $5,000 and enjoy repayment flexibility by making manageable monthly payments over 2 to 24 months. This makes it a budget-friendly option for your long-term needs.
Follow These Steps to Apply
Getting a loan at 1F Cash Advance is as simple as 1-2-3:
Apply In-Store
Complete a short, secure application with help from our friendly team. The entire process takes just about 5 minutes.
Get a Fast Decision
No hard credit check is involved in the underwriting, so applicants may receive instant approval decisions.
Receive Your Money
Once approved, you can walk out with cash in hand or get the funds deposited into your bank account on the same day.*
*Approval is not guaranteed and depends on several factors, including your income, employment status, outstanding debts, and payment history.
Same-day funding is typically available for loans approved before 10:30 am on weekdays. Applications processed after that time or on weekends are funded the next business day. Instant cash is available in-store for borrowers who provide post-dated checks for repayment.
Eligibility Requirements
When applying for a payday loan at our Racine store, bring these documents and information to get started:
- Valid government-issued photo ID
- Income confirmation (pay stubs, bank statements)
- Social Security number
- Checking account number and routing number
We also ask for basic personal and contact details, such as your full name, residential address, email, phone number, employer information, and your Individual Taxpayer Identification Number (ITIN).
Note: You must be at least 18 years old to apply for a payday loan in Racine.
About 1F Cash Advance in Racine, Wisconsin
At 1F Cash Advance, we have been on a mission to help Wisconsin residents obtain quick and legitimate financial assistance since 2019. We opened our store in Racine in 2021 to provide more people in the community with accessible loans tailored to their personal needs.
We believe that credit issues should not hold you back from reaching your financial goals. That is why we accept applicants with bad or no credit history and prioritize your ability to repay. With our transparent conditions, a safe application procedure, and quick funding, you can get a same-day emergency loan from a trusted direct lender when you need it most.
Find Our Store Near You
Not in Racine? We have other locations throughout Wisconsin.
Disclaimer: Use Your Payday Loan Responsibly
Payday loans are intended to cover short-term needs or financial emergencies. They are not a long-term financial solution and may become expensive if used over a long period. Before applying, ensure you can repay the loan on time to avoid additional fees or financial strain. If you have credit issues or ongoing financial challenges, refrain from borrowing and turn to a certified financial counselor.
FAQ
Are payday loans legal in Wisconsin?
Yes, payday loans are legal in Wisconsin and regulated by the state. All payday lenders must hold an active license and be registered with the Nationwide Multistate Licensing System & Registry (NMLS). 1F Cash Advance strictly follows all state lending laws.
What’s the maximum amount I can borrow?
With our payday loans, you can borrow up to $1,000, depending on your income and credit. If you need a higher amount, consider our installment loans.
How quickly can I get the money?
Funds are usually available within 1 business day of approval. For same-day funding, you need to finalize your loan before 10:30 am on a banking day. Otherwise, you receive the money on the next business day. In-store applicants who borrow against a post-dated check can receive cash instantly.
Can I get a payday loan with bad credit?
Yes, we accept applications from people with bad credit as long as they can prove their ability to repay. Therefore, we review your overall financial situation as part of the approval process.
