Payday Loans in Temple, TX
at 3120 S 31st St, 76502
- (254) 239-0997
- 3+ 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 Temple
When unexpected expenses catch you by surprise, 1F Cash Advance is here to provide emergency in-store assistance. In our loan place in Temple, Texas, you can get both short-term and long-term loan solutions designed to meet your urgent money needs.
Our products come with no credit check, making it possible to get approved in minutes and receive the funds on the same day, even with bad credit.
We are located near the Temple Mall and Texell Credit Union. Visit us today, fill out an easy application form, and get instant cash with no hassle.
- 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
Alfredo Wall
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Our Loan Products
The 1F Cash Advance store in Temple provides personal loan solutions for a wide range of your financial needs.
Max. amount $1,000
Payday loans are short-term loans of up to $1,000 that need to be repaid in 14 to 30 days. They can help you cover small emergencies, unexpected expenses, and money gaps between paychecks without creating long-term debt.
Max. amount $5,000
Installment loans work best for larger expenses and big purchases that are difficult to handle within a short period. You can get up to $5,000 and repay the funds in fixed installments over 2 to 24 months. This predictability and flexibility reduce debt burden and make budgeting easier.
How It Works
We make borrowing simple and fast so that you can apply in just 3 easy steps:
Visit our Temple store
Our staff is always here to help you with our easy and secure form. You can complete the entire process in just 5 minutes.
Get approved
The underwriting doesn't involve a hard credit check, making it possible to get an almost instant loan decision.
Receive your loan
If approved, walk out with cash right away or have your loan funded to your bank account the same day.*
*Same-day funding is available for loans originated before 10:30 am on weekdays. Applications approved after 10:30 am, on weekends, or on holidays, will be funded on the next banking day. Borrowers who repay via a post-dated check can get instant cash at a store.
Your Loan Checklist
At 1F Cash Advance, we only ask for a few basic items to avoid the hassles of traditional loan processes:
- 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 Temple, Texas
1F Cash Advance has been operating in Texas since 2019 to help hard-working people across the state access quick financial assistance, regardless of their credit score. We have helped thousands of bad credit borrowers get small personal loans in Temple, TX, to solve their emergency money issues.
We do our best to make the entire loan process simple and straightforward. You can get an instant approval decision and receive the money on the same day – all this without undergoing a hard credit check.
1F Cash Advance is a trusted loan provider that is known for its fair rates, exceptional customer service, and transparent terms with no hidden fees. We stand for responsible borrowing and disclose all the information needed to help you make informed money choices. When you work with us, you choose a legitimate company that cares about your financial future.
Find Our Nearby Store
Not in Temple? 1F Cash Advance operates across the state and provides in-store assistance in multiple Texas cities. Find a location near you and visit us for quick cash in your area.
440 Town Square, Copperas Cove, TX 76522
3329 Winthrop Ave, Fort Worth, TX 76132
Responsible Borrowing Tips
1F Cash Advance promotes responsible loan usage and borrowing practices to protect your financial health. Payday loans are short-term financial solutions and are not intended for ongoing needs. Using them over an extended period can lead to high total costs and may trap you in a cycle of debt. Use payday loans only for small emergencies or unexpected expenses. If you anticipate needing more time to repay the funds, avoid short-term borrowing and consider alternative options.
Before applying, ensure you can repay the loan on time. Be realistic about the amount you request and borrow only what you need to cover immediate expenses. Individuals facing credit or financial difficulties should seek professional counseling.
FAQ
How much can I get with 1F Cash Advance loans?
Texas payday loans come with amounts between $100 and $1,000, depending on your income, credit, and current debts. Installment loans allow you to borrow up to $5,000. With a title loan, you can get up to 50% of your vehicle's price.
Why may I be denied a payday loan?
While payday loans are quite easy to get approved for, you may still be denied if you have insufficient income, unstable employment, or recent derogatory marks on your credit report. Rejection may also occur if you don't meet our basic requirements. If you're denied, consider requesting a lower loan amount or exploring secured or joint loan options.
How fast will I get approved?
Most 1F Cash Advance applicants get approval decisions in less than 15 minutes. Make sure you attach all the required documents and provide accurate information to speed up the process. Please note that approval is not guaranteed and is based on factors like your income, payment history, employment, and current debts.
Will applying affect my credit score?
Our loans come with no hard credit checks through major credit bureaus. This means applying for them won't affect your credit score.
What's the difference between a payday loan and an installment loan?
Payday loans are short-term solutions that need to be repaid in full by your next paycheck. They are usually used for small emergencies and money gaps. Installment loans offer higher amounts with the ability to repay in equal parts over up to 24 months, making them suitable for larger needs and big purchases.
Should I choose a payday loan or a title loan?
It depends on your current situation and whether you are ready to take on risk. Payday loans may be a better option for you if you need a small amount and don't want to borrow against your valuable asset. A title loan may work best if you own a car, look for a higher sum at a lower APR, and are good with pledging your vehicle. Make sure you fully understand the terms and assess the pros and cons carefully before choosing the right option.
What's the easiest loan to get approved for?
Payday loans and loans from cash advance apps are usually considered the easiest borrowing options to get approved for. They can be obtained within 1 business day with any credit based on just your ability to repay.
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