Payday Loans in Belton, TX
at 2182 N Main St, 76513
- (254) 613-7905
- 7+ years in business
- 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 Belton
When urgent expenses pop up, 1F Cash Advance knows how to help you handle them quickly. We partner with lenders that consider borrowers with any credit scores, helping them cover emergency expenses. Our store in Belton is located in the Oak Village Shopping Center area, near the Area Agency on Aging of Central Texas. Visit us today and enjoy our straightforward process and instant cash options in-store.
- 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
Charlotte Williams
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Loan Products
You can access a range of loan options at our Belton store:
Payday Loans
Max. amount $1,000
A payday loan is a short-term loan designed for unexpected expenses or small cash shortfalls, such as car repairs, daily costs, or unforeseen bills. At 1F Cash Advance, you can borrow up to $1,000 and repay the money within 30 days without creating a long-term debt burden.
Installment Loans
Max. amount $5,000
Use installment loans for larger needs or when you need more time to repay. Get up to $5,000 for debt consolidation, home improvements, medical bills, or big purchases with the ability to repay in equal installments over 2 to 24 months.
How to Apply for a Loan
We make borrowing money simple and straightforward. Here are three easy steps to apply through 1F Cash Advance:
Visit a nearby store
Our staff will guide you through the application and provide personalized assistance. The entire process usually takes under 5 minutes.
Get an approval decision
Your information is reviewed quickly. We do not perform a hard credit inquiry when you explore your options, but lenders do assess your income, employment, and payment history. Many applicants receive a fast preliminary decision, subject to verification, which may involve a hard credit check.
Receive the money
If approved, get cash right away or receive your loan via direct deposit on the same day or the next business day.*
*Approval is not guaranteed and is subject to certain qualifications, including your income, employment, and payment history. A soft credit check is made to assess your eligibility. Some lenders may perform a hard credit check if you decide to proceed.
Same-day funding is available to applicants who finalize their loans before 10:30 am on weekdays. Approvals after 10:30 am or on non-banking days are funded on the next business day. In-store applicants who provide post-dated checks for repayment can get instant cash.
What You Need to Apply In-Store
You only need to bring a few basic items to complete our in-store application:
- Valid government-issued photo ID
- Social Security number (or an Individual Taxpayer Identification Number (ITIN), if applicable)
- Valid email and cell phone number
- Proof of income
- Proof of Texas address
- Active bank account and routing numbers
- Age of at least 18
About 1F Cash Advance in Belton, Texas
Since 2019, 1F Cash Advance has been helping Texas residents access emergency cash when they need it most. Whether you have bad credit and need financial help or are looking for quick cash when you’re in a tough spot, our Belton team is here to help you find the right option. We treat every customer with respect and partner with lenders that don’t solely rely on an applicant’s credit score. This approach makes borrowing accessible to hard-working people who have less-than-perfect credit.
Our partners disclose all the terms before you sign so you can make an informed financial decision. A quick verification process and fast funding let you receive the money on the same day you apply. We arrange loans with an independent third-party lender and charge a fee for our services, in compliance with Texas laws and regulations.
Find Our Nearby Store
1F Cash Advance has multiple stores across Texas to help residents get personalized support.
440 Town Square, Copperas Cove, TX 76522
3329 Winthrop Ave, Fort Worth, TX 76132
201 S Americas Ave #208, El Paso, TX 79907
Responsible Borrowing Tips
1F Cash Advance is committed to ethical lending and responsible loan usage. Payday loans are not intended for long-term needs and should only be used as a short-term solution for emergency expenses. Nationally, 37% of adults say they could not cover a $400 emergency expense using cash or its equivalent, which is why planning a repayment strategy before borrowing matters.2 Repeated borrowing can result in extra fees, making your loan more expensive. If you can’t repay the funds over a short period, consider alternative loan options.
Make sure you fully understand the terms before signing an agreement. At 1F Cash Advance, we disclose all the loan details to help you make an informed decision. Before borrowing, create a clear repayment plan and ensure you can afford the amount you request. If you experience ongoing financial problems or credit issues, seek credit counseling first.
FAQ
When to use a payday loan?
People usually turn to payday loans when they need to cover unforeseen bills, car or home repairs, medical costs, and other unexpected expenses. However, these loans may be expensive, so read the terms carefully and make sure you can repay the money on schedule.
Can I get the funds on the same day?
Same-day funding is possible if you finalize your loan before 10:30 am on a banking day. In-store applicants can also get instant cash if they repay via a post-dated check. Otherwise, loans are funded on the next business day.
What disqualifies you from a payday loan?
Payday loans are known for having easy-to-meet requirements. However, our lenders assess your financial standing to ensure you can afford the loan. Insufficient income, unstable employment, a history of recent late or missed payments, and a high debt burden can all affect your approval.
Does 1F Cash Advance run a credit check?
We do not perform a hard credit check via major credit bureaus, which means your credit score will remain unchanged when you check your options through us. Most of our partner lenders run a soft inquiry to assess your overall financial situation. This inquiry does not affect your credit. However, some partners may perform a hard credit check as part of the final approval. If they do, you will be notified.
Are installment loans a better alternative to payday loans?
An installment loan may be a better alternative if you need a higher amount with a convenient repayment schedule. It may be easier to handle due to longer repayment terms and more affordable payments. However, this also results in more interest paid. Payday loans have shorter repayment terms and higher APRs (in Texas, credit access business fees can push payday loan APRs above 400%.1), but a single repayment without rollover may result in a lower total dollar cost for small amounts. However, if you cannot repay on the due date, fees can accumulate quickly.
Is not paying a payday loan a felony in Texas?
Not paying a payday loan in Texas is not considered a felony. You can't be arrested for defaulting on the loan itself. However, you may face legal consequences if the lender decides to sue you for not paying. Your credit score may also drop.
Should I apply at a cash store or online?
It's up to you. Both processes are fast and convenient. An in-store application provides a more personalized experience and may suit those who prefer a traditional approach to borrowing, need professional advice, or have a unique situation. An online application process is perfect for people with busy schedules and those without a store in their city.
Sources
- 1 Texas Office of Consumer Credit Commissioner — 2025 Report on Availability, Quality and Pricing of Certain Financial Services and Consumer Loan Products — credit access business (payday/title) APR can routinely exceed 400% in Texas. December 2025.
- 2 Federal Reserve Board — Economic Well-Being of U.S. Households in 2025 — 37% of adults would not have covered a $400 emergency expense completely with cash or its equivalent. May 2026.
Contact Us
Still have questions? Contact us in any convenient way. Our team is always happy to help.
