One Hour Payday Loans Online
- Borrow $100 - $1,000 fast
- Apply online 24/7
- Soft credit check only
- Loan Decision in minutes
- Same-day deposit
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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Emergencies don’t wait. At 1F Cash Advance, you can borrow up to $1,000 today and get cash in your bank account within 1 hour. The application takes only two minutes to complete
Our payday loans come with a soft credit check only – your FICO score stays intact. Borrowers with bad credit or no credit may still qualify. Apply online and get same-day cash for urgent expenses from a trusted direct lender.
What Are One-Hour Payday Loans?
A one-hour payday loan offers a faster application and approval process, but it does not guarantee funding within 60 minutes.
Most payday loans range from $100 to $1,000 and carry a single payment due on your next pay date. Funds typically post via ACH within 24 hours. However, actual timing depends on your bank’s processing.
People usually take out 1-hour payday loans for emergency needs, such as:
- Minor home or car repair
- Medical co-pay
- Travel deposit
- Last-minute wedding expense
- Consolidation of small bills into one payment
Credit issues? You might still be approved. See our qualification requirements.
Who Can Qualify?
There are a few basic criteria you need to meet to be eligible. Here’s what we ask for:
- Age of at least 18
- Government-issued photo ID
- Social Security number
- Active bank account and routing numbers
- Proof of income
- Proof of residence
- A valid email address and phone number
Your eligibility is verified with a soft inquiry only – it won’t change your credit score. Your FICO rating will not impact your approval if you can demonstrate your ability to repay on time.
How to Get a Payday Loan in 1 Hour
1F Cash Advance makes borrowing simple – no paperwork, faxing, or in-person visits. Complete these 3 steps to request a payday loan in one hour:
Submit Your Application
Fill out our simple online form any time - just a few minutes and you’re done.
Apply NowGet an Instant Approval
Your application details will be verified right away. If approved, review and e-sign the agreement.
Receive Funds
Once approved, we’ll deposit your loan directly into your account within one business day.
Funding disclaimer: Applications approved before 10:30 am on business days are usually funded the same day. Approvals after 10:30 am, on weekends, or on federal holidays are processed on the next banking day.
How Much Does a Payday Loan Cost?
Different states have their own rules regarding payday loans and may set caps on the maximum amount a lender can charge. On average, 1-hour loans cost $10 – $30 per $100 borrowed for a 14-day term. Here are example fees for one hour payday loans from 1F Cash Advance:
| Amount Borrowed | Finance Charge | APR (14-day) | APR (30-day) | Total Due |
|---|---|---|---|---|
| $100 | $15 | 391.07% | 182.50% | $115 |
| $500 | $75 | 391.07% | 182.50% | $575 |
| $1,000 | $150 | 391.07% | 182.50% | $1,150 |
Exact fees appear in your offer before you sign.
We Offer Loans for Bad Credit Borrowers
Traditional banks often reject borrowers with credit scores under 640. At 1F Cash Advance, we look at your income and banking history instead of your credit score. Our loans involve only a soft credit check, but it won’t change your FICO score. This allows more people to qualify for a loan when they need fast financial support.
Alternatives to Payday Loans in 1 hour
If a short-term loan doesn’t meet your needs, consider other options that may offer a larger sum, a longer term, or a lower APR:
Installment loan
An installment loan allows you to borrow up to $5,000. You must repay over 3 to 24 months. APR ranges from 19% to 199%, depending on your credit score.
Credit-union PAL
Credit-union PAL allows you to get up to $2,000. You must repay in 1 – 12 months. APR is about 28% plus a ~$20 fee. Membership in the credit union is often required.
Cash-advance app
A cash-advance app provides you with up to $500 until your next paycheck. You must repay on your next pay date. It has no interest but may charge a considerable tip or fee.
Paycheck advance
A paycheck advance allows you to get a part of your wages early. Later, it’s deducted from your salary. It carries no interest, but not every employer provides this option.
Responsible Borrowing Tips
1F Cash Advance urges you to use payday loans responsibly. These loans are an emergency tool that is only designed for your short-term needs. Using it carelessly can result in a debt trap. Follow these rules to ensure your safe borrowing experience:
- Borrow only what you need and can repay on the due date.
- Compare fees across lenders. Many allow you to pre-qualify with a soft pull.
- Budget for repayment by listing your income and upcoming bills to ensure you have enough funds to cover the debt.
- Only use one payday loan at a time. Having several high-interest, short-term debts increases fees and risk of default.
- Talk to the lender early if a payment issue arises. You may be offered an extended payment plan.
Why Choose 1F Cash Advance
1F Cash Advance puts speed, simplicity, and accessibility first. We serve customers across the entire U.S. Apply online or stop by one of our 81 locations in 37 states for in-person help. Here’s how we differ:
Fast Process
Get approved, sign, and receive funds all in one day. Our automated system moves your request through quickly, so you’re never left waiting.
Transparent Fees
See every charge upfront before you agree. We don’t add surprise costs at signing.
Secure Application
We protect your information with TLS 1.3 and 256-bit encryption. Your data stays private from start to finish.
FAQ
Is it possible to get money in one hour?
Yes. In some cases, you’ll see the funds the same day - even within a few hours. It depends on your bank’s processing times. Otherwise, the money posts on the next business day.
Do you check my credit?
We only perform a soft credit check. It allows us to assess your overall financial situation without affecting your credit score.
What if I don’t have a job but still get income?
Alternative income sources, such as self-employment or regular freelance pay, may be considered applicable income for a payday loan. We need proof that the cash comes in on schedule.
How much can I borrow?
One-hour payday loans range from $100 to $1,000. However the amount may vary depending on your state and income. If you need a higher amount, consider installment loans that offer financing of up to $5,000.
Is the application safe?
Yes. We use end-to-end encryption and follow federal privacy rules. Your data is safe, and we don’t share it with unaffiliated third parties.
Do I repay everything at once?
In most states, the full amount is due on your next payday. Some areas let you split the loan cost into a few smaller payments.
Can I apply on weekends or holidays?
Yes. You can apply at any time. Our online form stays up 24/7. Approval is fully automated, so you'll get a decision the same day. Funds post on the next business day.
Will this loan hurt my credit score?
We don’t share your loan data with credit bureaus. That means your FICO score won’t change. As long as you pay on time, there’s no impact on your rating.