Payday Loans in Racine, WI
at 3203 Washington Ave, 53405
- (262) 218-4333
- 5+ years of operating in Racine
- Apply in-store 8 am – 10 pm (Mon–Fri)
- Open on Saturday
- Payday loans, installment loans
- Online applications accepted 24/7
1F Cash Advance Store in Racine
No matter why you need a loan, we’re here to help you get extra cash in Wisconsin. Worried about bad credit? Lenders in our network assess your overall financial situation, so it won’t stop you from getting approved if you can prove your ability to repay. Visit our office in Racine and let us help you find a loan offer that fits your situation. We are located near Washington Park Golf Course. Our team is happy to answer any questions.
- 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 within 31 days.
Installment Loans
Max. amount $5,000
Installment loans are a more flexible option for larger expenses and big purchases. Borrow up to $5,000 and repay in manageable monthly installments over 2 to 24 months. Longer terms lower your payments, making it easier to adjust them to your budget.
Follow These Steps to Apply
Getting a loan through 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 needed when you check your options, although some lenders may perform a hard inquiry if you decide to move forward. Approval decisions are usually made within minutes.
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, current 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 the following:
- 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 sometimes your Individual Taxpayer Identification Number (ITIN).
Note: You must be at least 18 years old and a Wisconsin resident to apply for a payday loan in Racine.
About 1F Cash Advance in Racine, Wisconsin
1F Cash Advance has been helping Wisconsin residents get quick financial support from legitimate lenders since 2019. We opened our store in Racine in 2021 to provide more people in the community with accessible loans tailored to their unique situation.
We believe that credit issues should not hold you back from reaching your financial goals. That is why we partner with lenders that consider applicants with bad or no credit history and prioritize their ability to repay. Transparent terms let you know what you are agreeing to before you sign, a secure application keeps your data protected, and fast funding can put cash in your hands the same day.
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 rolled over or not repaid by the due date — in Wisconsin, the average APR on payday loans made to consumers in 2025 was 599.51%.1 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, avoid taking on new debt 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 from the Wisconsin Department of Financial Institutions (DFI) and may also be registered with the Nationwide Multistate Licensing System & Registry (NMLS). 1F Cash Advance operates in compliance with applicable federal and state marketing and privacy laws. All lenders in our network are licensed under applicable state law.
What’s the maximum amount I can borrow?
With payday loans, you can borrow up to $1,000, depending on your income and credit. If you need a higher amount, consider 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, our partner lenders consider applications from people with bad credit as long as they can prove their ability to repay. They review your overall financial situation as part of the approval process.
Sources
- 1 Wisconsin Department of Financial Institutions — Wisconsin Guide to Payday Loans — average annual percentage rate on Wisconsin payday loans in 2025 (599.51%). January 2026.
