Payday Loans in Houston, TX 77093
at 1519 Little York Rd
- (832) 648-2604
- 3+ years in business
- Apply in-store 8:00 am – 10:00 pm
- Open 7 days a week
- Payday loans, Installment loans
- Online application 24/7
1F Cash Advance Store in Houston
At 1F Cash Advance, we believe that everyone deserves access to quick cash when facing a financial emergency. That is why we help you access same-day loans in Houston with no hard credit check, making them available to people with bad credit.
Whether you need instant funds for car repairs, home improvement, or other unexpected expenses, our fast application process makes it simple to receive the money you need within a day. Visit us today and let our team help you with the loan process.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday8 am – 10 pm
- Sunday8 am – 10 pm
Larry Rutledge
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Available Loans
1F Cash Advance helps you find financial solutions designed to meet your needs in Houston. Explore the options available:
Payday Loans
Max. amount $1,000
You can access up to $1,000 payday loans in our Houston location to help you cover small emergencies and cash shortfalls. You can receive a quick approval decision and funding within 24 hours. These short-term loans are offered to borrowers with no established credit history and are typically repaid within 14 to 31 days.
Installment Loans
Max. amount $5,000
Installment loans offer a convenient solution for larger expenses or long-term financial needs. The repayment terms range from 2 to 24 months, with a maximum amount of $5,000, allowing you to adjust monthly payments to your budget.
Application Steps
Follow these 3 simple steps to get a loan:
Visit our nearby store
It only takes a few minutes to complete our in-store application form. Our team is always here to help.
Get a fast approval decision
Your application will be processed quickly, with a soft credit check performed during prequalification.
Receive your loan
If approved, the money can be paid in cash right away or transferred via a same-day direct deposit.*
*Loan approval is not guaranteed. All applications undergo a soft credit check needed to assess their creditworthiness and ability to repay.
Approvals before 10:30 AM on a business day are typically funded on the same day. Applications after 10:30 AM or on non-business days are processed on the next banking day. Instant cash is offered to applicants who repay a loan via a post-dated check.
What You Must Provide to Apply
Here are the basic documents and requirements to apply for payday loans in Houston, TX through 1F Cash Advance:
- Government-issued ID and SSN
- Bank account details
- Proof of stable income
- Valid email and cell phone number
- Proof of address
- Minimum age of 18
About 1F Cash Advance at 1519 Little York Rd, Houston, TX 77093
1F Cash Advance helps you access convenient short-term loan options that people in Houston can use to meet their emergency financial needs. We have been operating in Houston since 2019, with our Houston, 77093, location opened in 2022. Here’s what you can expect:
Transparency
All loan rates, repayment terms, and conditions are clearly outlined in the agreement and fully comply with state laws.
Speed
Our quick application reviews and decisions in minutes make it possible to get the funds within 24 hours of approval, often on the same day.
Credit-Friendly Approval
We review applications from borrowers across all credit spectrums, including those with poor or limited credit.
Find a Store Near You
1F Cash Advance is committed to providing quick cash solutions to individuals across the state. We have multiple locations in Houston as well as in other cities throughout Texas. Find the location closest to you and plan your visit:
440 Town Square, Copperas Cove, TX 76522
3329 Winthrop Ave, Fort Worth, TX 76132
Use These Loans Responsibly
Payday loans are designed to help individuals address emergencies or meet short-term cash needs, such as utility payments, healthcare expenses, or car repairs. They are not intended for long-term financial problems and may be expensive if used for an extended period. Borrow only what you need and can afford to repay on time. If you experience ongoing financial problems, refrain from borrowing and seek professional counseling.
Things to Know as a Borrower in Texas
- Before you owe anything, you get an agreement that spells out the amount you are borrowing, the APR, and every interest charge and fee.
- You can verify a lender’s license status through the Texas Office of Consumer Credit Commissioner (OCCC). The same office handles complaints at 800-538-1579.1
- Because Texas does not cap Credit Access Business (CAB) fees statewide, the total cost can differ a lot from one store to the next, so it pays to compare.2
What Happens When a Loan is Renewed
A payday loan is meant to be paid off in full on your next payday. When it gets renewed, or rolled over, instead, you pay another fee to push back the due date, but the amount you originally borrowed does not go down. That is where the cost tends to build up.1
In a survey of Texas payday borrowers, 58% had to roll over or extend a loan at least once, and close to a quarter did it several times.3
Since each renewal brings a new fee, the cheapest way to use one of these loans is to borrow only what you can pay back by the first due date.
Cheaper Options to Check First
Short-term loans are expensive, so it is worth checking whether something cheaper covers your situation before you take one out.
- A small loan from a bank or credit union. Some community banks offer small installment loans where the balance drops with each payment, that run for about nine months, and that cost far less in APR than a payday loan.
- A credit-card advance or a line of credit you already have. The state disclosure shows that both cost a small fraction of a payday loan per $100.
- A pay advance from your employer, or help from a nonprofit, for a one-time bill like a utility or medical charge.3
- Free credit counseling. If the problem is a recurring shortfall rather than a one-time gap, a nonprofit counselor can help before you take on more debt.1
FAQ
Can I qualify for a payday loan in Houston without a job?
Yes, but you still need to demonstrate your ability to repay to qualify. We accept borrowers with alternative income sources, such as self-employment or freelancing.
How quickly can I receive the funds?
Approved funds are typically sent via direct deposit on the same or next business day. Funding times depend on when you apply and get approved. Cash loans are available in store immediately once you provide a post-dated check for repayment.
What happens if I am unable to repay the loan on time?
If you cannot repay on time, you may face additional fees, potential loan renewal charges, or collection actions. Contact your lender as soon as possible to discuss your options.
Will taking out a payday loan affect my credit score?
Payday loans are not reported to major credit bureaus as long as you pay on time. A soft credit check is performed when you apply. This inquiry will not affect your credit.
How can I verify if a loan company in Houston is licensed?
You can verify a lender's license status through the Texas Office of Consumer Credit Commissioner (OCCC) website or by contacting them directly.
Sources
- 1 Texas Office of Consumer Credit Commissioner — Consumer Disclosure: Payday Loan (Multi-Payment).
- 2 Texas Fair Lending Alliance — Comment Letter to the CFPB on Payday, Vehicle Title, and High-Cost Installment Loans.
- 3 Texas Appleseed — Short-term Cash, Long-term Debt: A Survey of Payday Borrowers.
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