Payday Loans in Cheyenne, WY
at 1607 Central Ave, 82001
- (307) 317-3066
- Serving Cheyenne since 2023
- 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 Information
Getting emergency cash in Wyoming is fast and easy when you apply through 1F Cash Advance. We partner with lenders who offer quick payday and installment loans in Cheyenne and across the state to help locals meet their short-term needs. Our store is located near the Cheyenne Depot Plaza and the Lincoln live music venue, right next door to the Niemann & Sons Music store. Come see us today and get connected with a direct lender in our network who can get you the money you need on the same day. Our team will walk you through every step and make the process as smooth as possible.
- 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
Eleanor Bates
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Loan Products in Cheyenne
At 1F Cash Advance, we provide Cheyenne residents with small personal loans for a wide range of their individual needs.
Payday Loans
Max. amount $400
Forget how stressful unexpected expenses can be with these quick cash loans. Borrow up to $400, including fees, and repay it on your next pay date. These loans work great for small cash shortfalls, unforeseen bills, minor repairs, and other emergency expenses.
Installment Loans
Max. amount $5,000
With an installment loan, you can get up to $5,000 for 2 to 24 months, even with a bad credit score. Convenient borrowing amounts and repayment in fixed monthly installments make it easier to handle home improvements, debt consolidation, large bills, and other expenses without overburdening your budget.
Our Easy Application Process
Take these simple steps to apply for a loan in just 5 minutes:
Come to our store
Our team will do its best to make the application process fast and smooth for you.
Get a loan decision
You will know whether you get approved in minutes. Exploring your options doesn't affect your credit score.
Receive your loan
If approved, walk out with cash in minutes or get the funds via a direct deposit on the same or the next business day.*
*Approval depends on qualifications such as your income, debts, employment, and payment history. Some lenders may perform a hard credit check if you decide to move forward. Approvals before 10:30 am are typically funded by the end of the same day. Borrowers who finalize their loans after 10:30 am, on weekends, or on holidays, will access funding on the next banking day. For instant cash, you need to provide a post-dated check on the full amount due.
Prepare These Documents
Here are the documents and information you need to apply for payday loans in Cheyenne:
- Valid email and cell phone number
- Social Security number
- Valid government-issued photo ID
- Active bank account with a routing number
- Proof of income
- Proof of residential address in Wyoming
- Your employer’s contact details
About 1F Cash Advance in Cheyenne, Wyoming
1F Cash Advance started helping Wyoming residents access online emergency loans in 2019. Since then, we’ve connected thousands of people with legitimate lenders who provided real help during financial hardships. In 2023, we began offering in-person assistance at our Cheyenne store, offering personal, one-on-one support to residents who need real help from real people.
We know how hard it may be to access extra funding with bad credit. That’s why we partner with lenders that primarily offer income-based loans, boosting approval chances for borrowers with low FICO scores. We prioritize your satisfaction and offer a secure, straightforward, and fast borrowing process, so you can get the money you need fast and safely.
What to Keep in Mind About Payday Loans
Federal Reserve survey data show that just 63 percent of U.S. adults could cover a $400 emergency expense using cash or its equivalent, one reason many people turn to short-term credit for unplanned costs.1 Payday loans tend to be expensive borrowing options designed solely for your short-term needs. Extending the repayment period may cause you to pay more in interest. Make sure you can repay the loan in full and on time before applying to avoid getting into a cycle of debt.
Read the loan terms carefully and make sure you understand the APR, fees, due date, and total amount due. Only borrow what you need and can comfortably repay on time. If you face ongoing financial problems, turn to a professional counselor or consider local community programs first.
FAQ
Are payday loans in Wyoming legal?
The state of Wyoming considers payday loans legal but sets limits on the maximum amount you can borrow. Lenders cannot charge more than 15% of the loan amount per month.
How much can I get with a payday loan?
Payday loans in Wyoming come with a maximum amount of $400, including fees. If you need more money for your current needs, consider installment loans of up to $5,000. The exact amount you can get depends on your income and credit.
When will I receive my loan funds?
Most borrowers can access their money as soon as the next business day after approval. Same-day funding is possible for loans finalized before 10:30 am on weekdays. Applicants who provide post-dated checks for repayment can get instant cash at a store.
Do you offer loans to people with bad credit?
Our lenders have no minimum credit score requirements, making their loans available to borrowers with bad credit. They review your income, debts, employment stability, and recent payment history to better understand your financial situation.
Sources
- 1 Federal Reserve Board — Economic Well-Being of U.S. Households in 2025 — 63% of adults would cover a $400 emergency expense using cash or its equivalent. May 2026.
