payday loan online
payday loan online

Payday Loans Online

  • Payday Loans from State Licensed Lenders
  • Instant Funding
  • Great Customer Service
  • Fast and Secure Application Process

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Are you in need of a payday loan? Do you have bad credit? Are you looking for a quick and easy way to get cash till your next paycheck? Look no further because 1F Cash Advance is the simple, fast and convenient solution to all your problems. We are a company that specializes in helping borrowers in need of payday loans online by connecting them with hundreds of trusted payday lenders. With our easy loan application process, we can help you get the best online payday loans as soon as you need money. Get approved and receive instant funding regardless of your monthly income!

Payday Loans: Definition and Features

A payday loan is small short-term loan you can get online that should be repaid within two to four weeks, with your next paycheck. You can use it to cover short-term financial needs or unexpected expenses like medical bills or car repairs, or to make a big purchase like a new laptop. But remember: these high interest loans are not a long-term financial solution as they carry high annual percentage rate.

Payday cash loans have some unique features that make them different from other types of loans:

  • It is suitable for short-term financial needs.
  • It doesn’t need collateral.
  • It helps you borrow up to $1,000.
  • It requires only a soft credit check.
  • According to the loan repayment terms, you can repay it with a lump sum on your next payday, not in installments.
  • There may be late fees if you don’t pay the loan on time.

How Do Online Payday Loans Work?

When you need money in a hurry, a payday loan can help. It’s easy to apply for an online payday loan, and it’s even easier to receive the funds you need to save your budget till payday. This is how borrowing money with instant payday loans work:

  1. First, you submit the online loan application form.
  2. Then, wait for the approval decision based on the information obtained.
  3. If your loan is approved, you will receive your funds directly in your bank account.
  4. Then, on the due date or your next paycheck, the lender withdraws the loan amount and its cost from your account.

Payday Advance Online Eligibility Criteria

Whether you are looking for a short-term payday loan online, you should make sure that you meet the eligibility requirements before submitting your application. If you have an active checking account, then the following requirements are generally considered to be eligible for cash advance loans online:

  • You must be 18 years old.
  • You must have been employed for at least 3 months at the same company.
  • You must have an income of at least $1,500 per month (proof of income, personal check, or recent bank statement).
  • You must have an active email and phone number.

Costs and Available Amounts of Payday Loans

The payday loan costs vary depending on several factors, including how much you borrow, where you live, and what kind of loan term you choose. But no matter where you go or what repayment period you choose, the cost will be higher than if you had applied for a traditional bank loan or credit card. It is all because short-term loans are funded more quickly than conventional ones. The typical fee of payday loans is $10 – $30 for every $100 borrowed, depending on your state and payday loan regulations.

However, the approximate cost of a payday loans with 30-day term is the following:

Loan Amount
Total Repayment






Tips to Consider Before Applying for Payday Loans Online

If you’re in a jam, payday loans with instant approval decisions can be the perfect solution. But before you apply, it’s essential to consider some key factors.

First, consider whether or not this is an emergency. If it is, then get a payday loan fast. Payday loans are designed to give people in an emergency regularly a way to get cash quickly.

Second, ensure you understand how much money you need and how long it will take to come through after applying for the loan. Many borrowers end up taking out more than they need because they don’t account for interest rates (like annual percentage rate and other charges) or fees when deciding how much cash they need from their loan provider.

Thirdly, make sure that you will have enough cash left over after paying off the payday loan so that your finances don’t go into overdraft again after making payments on time every month during the repayment period.

Reasons Why You Might Have Been Rejected

When you apply for a payday advance online, it’s not just a simple yes or no. Many lenders look at several factors before deciding whether or not to approve your loan request. Here are some of the more common reasons why our system won’t allow you to get a loan:

  • You applied for a loan in the past 30 days that was denied.
  • You have an outstanding balance on an existing payday loan with the lender you applied.
  • You have multiple accounts open with the direct payday lender you applied for.
  • You’ve been applying for multiple payday loans from a different direct lender recently.

How to Get an Online Payday Advance from 1F Cash Advance?

If you are looking for a payday loan, 1F Cash Advance is the place to turn. We make it easy to get an online payday advance from our trusted loan providers.

The online payday loan process is simple:

  • Fill out our short application with your personal information, including your name, email address, and phone number.
  • Once our payday lenders have reviewed your application, they will let you know whether you have been approved.
  • If approved, the direct lender will send you the loan agreement to sign.
  • Get paid within the next business day. You can expect to get your money in as soon as 24 hours after approving your application—and often even sooner than that!

What are the Benefits of a Payday Advance?

Payday advances can help you get the loan you need when you’re in a pinch. They can be used for anything from paying rent, buying groceries, or even just getting enough cash to pay for your next meal at a restaurant.

Here are some of the benefits of payday advances:

Easy Application Process

easy application process on payday loan online

The whole process of applying for a payday loan is easy, fast, and secure. You can apply online or over the phone, and if you choose to apply online, you can do it in just minutes. In fact, you don’t even have to leave your house or office!

No Negative Effect on Your Credit Score

online payday loans have no negative effect on your credit score

When you apply for a payday loan, you can rest assured that your credit score will be unaffected. This is because quick payday loans are considered “small dollar loans” and as such do not appear on your credit report at all.

Instant Loan Approval Decision

payday advance online with an instant approval decision

You don’t have to wait weeks or months to get a decision about borrowing a payday loan. You can get the answer you need in less than an hour.

Fast Direct Deposit

instant payday loans

For example, if you apply early in the morning, the lender might give you a same-day payday loan online (more precisely, in the evening). But if you apply online after noon, the loan provider will deposit the money in your account within one business day.

Is the Credit Score Crucial When Applying for a Payday Loan?

The answer is yes. Credit score and proof of income are two of the most important factors when considering an online payday loan. These two factors are used to determine whether or not you qualify for fast cash advances, as well as how much you can borrow from these loans.

The fact is that most online lenders want to make sure you can pay back the loan, and therefore, they look at your credit history. If you have a bad credit score, then there is a high chance that you might not be approved for a loan.

Please note that a payday loan should be used to cover short-term financial needs only. We encourage customers who are experiencing credit difficulties to seek credit counseling.

Reasons to Choose Us

There are many reasons to choose 1F Cash Advance for your payday loan. Here are just a few:

  • We’re fast, so you can get the instant approval decision for your cash loan you need quickly, even on the same day.
  • We provide great customer service. You can check our testimonials on Trustpilot, where our Trust Score is 4.3 out of 5.
  • Our application process is quick and straightforward, so you’ll be able to get the money you need without the hassle.
  • Your personal data is safe and secure with us due to our encrypted technology. There are no hidden fees.
  • We are not a third-party company. We receive all the loan applications and send them to multiple payday lenders ready to work with you.
  • Our payday lending partners have the most flexible repayment terms and reasonable interest rates.

Frequently Asked Questions

Is 1F Cash Advance a direct lender?

No, 1F Cash Advance is only a loan matching service that can help you get in touch with a state-licensed lender in your area.

How much can I borrow?

The maximum loan amounts reach $1,000, and the minimum is $100.

Can I get a payday loan with a bad credit score?

Sure thing! But you should know that a payday cash advance online for bad credit will have high-interest rates. To get cheaper loans, consider improving your credit score.

How do I pay the loan back?

You can repay the payday advance online via electronic withdrawals from your bank account. It is a safe practice for online loans, and many borrowers do that to avoid late repayment fees besides the loan interest rate.

How is my loan date determined?

Your loan date is determined by your lender. We don't have any control over that.

Can I pay off my loan before it is due?

Yes! Some payday lenders offer an early payoff option that allows you to pay off your loan early without a pre-payment penalty.

Does it cost anything to apply?

No, the completion of loan application form is free with us.

Can I extend my due date?

Yes, your loan provider may extend your due date upon request and subject to approval. Just let it know that you'd like to do so before the deadline.

What if I can't repay the loan on time?

If you can't repay the loan on time, speak to your lender and it will work with you to get on a payment plan that works for your budget.

What is the easiest loan to get?

The easiest loan to get is an online payday loan, because you don't have to go anywhere and you can get it within one business day in your bank account.

What if I default on my loan?

If you default on your short term loan loan, your lender will charge you a fee of $15 or more. If the default period is more significant, the lender might sue you to get its money back.

How will my payday loan be funded?

Your lender will make a direct deposit to your bank account.

How long does it take to approve my loan and receive the funds?

Your loan will be approved within one hour or less and you’ll receive your funds within one business day.