Payday Loans in Bryan, Texas
at 1804 Cavitt Ave, 77801
- (979) 977-2385
- Serving Bryan residents for 7+ years
- Apply in-store 8 am – 10 pm (Mon–Sun)
- Open 7 days a week
- Payday loans, Installment loans
- Online application 24/7
1F Cash Advance Store in Bryan
1F Cash Advance helps Texas residents who face emergency expenses access quick financial support when traditional lenders say no. Our partner lenders offer short-term loan options for people with bad or no credit. A simple loan process lets you get the money the same day you apply.
Our Bryan store is located near the Enterprise Rent-A-Car and Howell Service Corporation. Stop by during business hours – our application takes under 5 minutes, with approval decisions in minutes and fast funding.
- 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
Julia Ferrer
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Loan Products We Offer In-Store
Through us, you can get loan options for a wide range of your personal needs:
Payday Loans
Max. amount $1,000
Use a payday loan to cover minor emergencies and unforeseen expenses, such as urgent repairs, unexpected bills, utilities, groceries, or other small cash shortfalls. You can borrow up to $1,000 and tie your due date to your next paycheck.
Installment Loans
Max. amount $5,000
Installment personal loans in Bryan, TX, are designed to meet your larger financial needs while keeping payments within your budget. Get up to $5,000 with no hard credit check during prequalifying and repay it in fixed installments.
How the Application Works
Applying through 1F Cash Advance involves three easy steps:
Visit our store in Bryan
Our staff will make the entire process smooth and stress-free. It typically takes less than 5 minutes to complete our simple form.
Wait for approval
You don't need to go through a hard credit check to explore your options*, making the underwriting process fast. You will get a loan decision shortly after submitting your application.
Get your money
If approved, get your loan issued in cash immediately or receive the funds in your bank account on the same day.*
*No approval is guaranteed. Some lenders may perform a hard credit check if you choose to move forward. Loans originated before 10:30 am on weekdays are usually funded on the same day. Applications submitted after 10:30 am, on weekends, or on holidays, will be processed on the next banking day. Instant cash is offered to in-store applicants who borrow against a post-dated check.
Walk In Prepared
We aim to make borrowing simple and only ask for a few basic items to ensure a hassle-free application process:
- Age of at least 18
- Valid government-issued photo ID
- Social Security number
- Proof of income
- Proof of Texas address
- Active bank account with a routing number
- Valid email and cell phone number
About 1F Cash Advance in Bryan, TX
1F Cash Advance started as a small local loan company in Bryan, TX, in 2019. Since then, we have helped thousands of people across Texas get fast financial support with no denial based solely on their credit history. Our goal is to make emergency assistance accessible to those who need it the most. We partner with lenders that rely on applicants’ income, employment, and payment history.
Our team is always here to provide personalized in-store assistance and help you find the right short-term loan option tailored to your unique needs. We also share smart financial tips and debt management guidance on our website.
Find Our Nearby Store
If you’re not in Bryan, see the list of locations below to find a 1F Cash Advance store in your area.
440 Town Square, Copperas Cove, TX 76522
3329 Winthrop Ave, Fort Worth, TX 76132
201 S Americas Ave #208, El Paso, TX 79907
We Are Committed to Responsible Borrowing
Payday loans are designed for short-term needs and emergency expenses only, since Texas law limits how long a credit access business loan agreement can run to 180 days.1 They are not intended to be a long-term solution and may become expensive if renewed or used for an extended period. Texas payday borrowers pay an average of $34.14 in fees and interest for every $100 still owed each month a loan is renewed.2 Make sure a payday loan fits your situation before applying. If you’re looking for an option with longer repayment terms, consider alternatives.
Avoid borrowing unless you have a realistic repayment plan. Only take out what you need and use the funds for urgent financial situations. Applicants with credit issues should seek credit counseling.
FAQ
Can I get a $1,000 payday loan?
Our lenders offer Texas payday loans of up to $1,000. However, you need to prove your ability to repay the funds on time to qualify. The exact amount you can get will be determined based on your income, credit, and current debts.
How fast will I receive my funds?
Most applicants receive their funds by the next business day after approval. Same-day deposits can be available to applicants who finalize their loans before 10:30 am on weekdays. In-store borrowers may receive instant cash if they provide a post-dated check for repayment.
I have no credit. Can I still qualify?
Yes, our lenders consider applicants with no or poor credit if they can prove the ability to repay. They prioritize your income, employment stability, current debts, and recent payment history over your FICO score.
Can my credit drop after the application?
Checking your options through us won't affect your credit score. Most lenders we partner with perform soft credit checks, meaning that getting a loan will not impact your credit as long as you pay on time. However, some lenders may run a hard inquiry to make a final decision. If they do, you will be notified before you move forward.
Should I get a payday loan or a personal installment loan?
Payday loans work best for small emergencies you need to cover quickly without creating long-term debt. Installment loans are typically used for larger expenses or situations where extended repayment terms make payments easier to manage.
What are other ways to get money fast?
If you need a higher amount with more time to pay it back, consider credit union loans. Installment loans may also help, but watch for APRs, as they may reach 200% for borrowers with bad credit, depending on the lender and state. Consider cash advance apps if you need a small amount by your next paycheck on an interest-free basis. Alternatively, borrow money from your family, ask your employer for a paycheck advance, or search for local assistance programs.
Sources
- 1 Texas Office of Consumer Credit Commissioner — 2025 Report on Availability, Quality and Pricing of Certain Financial Services and Consumer Loan Products — payday loan term limit. December 2025.
- 2 Texas Office of Consumer Credit Commissioner — Credit Access Business Consumer Disclosure — Payday Loan (Single Payment) — avg payday loan fee. 2024.
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