Payday Loans in Sacramento, CA
at 1742 Watt Ave, 95825
- (916) 619-4009
- 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
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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1F Cash Advance Store in Sacramento
When unexpected expenses arise, 1F Cash Advance offers a fast solution available to all adult California residents. Our loan store in Sacramento is conveniently located just north of Arden Way, next to Safeway and Dave’s Hot Chicken, making it easy to reach us.
Submit your application in just a few minutes and receive an instant decision with no credit check needed. Funds might be available the same day. We review all applications regardless of credit history, so you can get quick assistance, even with bad credit.
- 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
Logan Becker
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Products Available
1F Cash Advance in Sacramento, CA, offers fast and straightforward cash solutions for any urgent situation.
Max. amount $255
Residents of Sacramento can request a payday loan up to $255 to bridge financial gaps before their next paycheck. Repayment periods range from 14 to 31 days. This loan is ideal for small emergencies and urgent needs, such as minor repairs, unforeseen bills, and medical costs.
Max. amount $5,000
For larger expenses, installment loans provide up to $5,000 in financing with predictable monthly payments over up to 24 months. This makes repayment more manageable. An installment loan is an ideal solution for those who need money for a big purchase or long-term financial project.
Simple Steps to Apply
Get approved for loans in Sacramento in just minutes at our store. The entire process is designed to be safe, efficient, and easy to complete:
Submit a quick application
Only basic documents are required. Application time is usually five minutes or less. Our staff is always here to assist.
Get a decision
You will receive a response within 15 minutes. Your credit score will not be affected, as a hard credit inquiry is not performed.
Receive your funds
Get cash instantly or request a same-day deposit to your account.*
*Cash is issued in-store on the day of approval after providing a post-dated check for repayment. For direct deposits, approvals before 10:30 am on weekdays are funded the same day. Applications submitted in the evening, on weekends, or holidays are processed on the next business day.
Who Can Apply
Ensure you qualify and prepare these details for a smooth application process:
- At least 18 years old
- Social Security number
- Government-issued photo ID
- Proof of income
- California address verification
- Bank account and routing numbers
- Valid email and a cell phone number
About 1F Cash Advance in Sacramento, CA
1F Cash Advance in Sacramento, California, has been providing the community with straightforward and dependable financial solutions since 2019. We accept all applicants, even those with poor credit history, and our loan process is always convenient and fast. Clients appreciate our honesty, open communication, fast payouts, and professional approach.
Our Sacramento team is dedicated to providing a safe and respectful experience for every client. Strict security measures protect every transaction, and all loan terms are clearly explained before you sign. With a license and a strong commitment to responsible lending, 1F Cash Advance stands out as a trusted choice for payday and installment loans in Sacramento.
Find a Store Near You
Live outside of Sacramento and need emergency cash? 1F Cash Advance serves many areas in California. See which of our locations is most convenient for your visit.
30 River Park Pl W #390, Fresno, CA 93720
433 S. Spring St. unit 900, Los Angeles, CA 90013
6423 University Ave, San Diego, CA 92115
910 Hale Place #204, Chula Vista, CA 91914
Responsible Borrowing
Financial discipline is a key element of responsible borrowing. Before applying, analyze your ability to repay the loan without harming your current obligations. Use payday loans only as a short-term solution in case of real necessity and within reasonable limits. At 1F Cash Advance, we disclose all the loan details in advance, so that you can make an informed decision. Ensure that you understand the terms and can meet them. Irresponsible payday loan usage may lead to an increased financial burden and debt cycles.
FAQ
Are payday loans legal in Sacramento, CA?
Yes, payday loans are legal in Sacramento and throughout California. The state has strict laws that regulate payday lending and protect consumers. 1F Cash Advance provides California short-term loans that meet the state’s legal and ethical standards.
How much can I borrow with a payday loan in Sacramento?
In California, the maximum payday loan amount is $255. This limit is set by state law to help borrowers avoid falling into long-term debt. The exact amount you can receive depends on your income and current financial situation.
Can I still qualify for a payday loan if I have bad credit?
Yes, poor credit does not automatically disqualify you. We prioritize your income and financial stability over your credit score. If you can demonstrate the ability to repay the loan, you still have a strong chance of approval.
How quickly can I receive the funds after approval?
Once your application is approved, you may receive the money as soon as the next business day. If the loan is approved before 10:30 am on a banking day, same-day deposit is possible. If you apply in-store and provide a post-dated check for the full repayment amount, you can receive cash immediately. We offer multiple disbursement options to make sure you get the funds quickly when you need them most.
Do I need to provide collateral to get a loan?
No, collateral is not required when you deal with us. A payday loan is an unsecured loan, so you don’t need to pledge any assets. However, collateral may be needed if you apply for a title loan, use a pawnshop loan, or get a secured loan from a bank in Sacramento.
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