Payday Loans
Fast, reliable, and convenient way to receive extra cash before your next payday
- Easy application in minutes
- Online & in-store assistance
- No impact on your credit score
- Instant approval
- Same-day funding options
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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What Are Payday Loans?
A payday loan, also known as a cash advance, is a small, short-term loan that you can get quickly and need to repay in 2 to 4 weeks. It comes with instant approval and allows you to borrow up to $1,000 within 24 hours. This makes it suitable for emergency expenses and urgent financial needs.
At 1F Cash Advance, we consider factors beyond just your credit score and assess your monthly income and payment history when deciding whether to approve you. This makes our payday loans available to borrowers with poor or no credit.
How to Get a Payday Loan?
Whether you’re going to get a payday loan online or in a store, our hassle-free application process is as simple as 1-2-3:
Complete our easy form on the website or visit the nearest location.
Apply NowGet approved in minutes.
Receive your loan on the same day.*
*Same-day funding is offered to borrowers who get online approvals before 10:30 am local time on weekdays. Loans finalized after 10:30 am local time or on weekends will be deposited on the next business day.
What You Need to Apply
Here’s what you need to prepare to apply for a loan with 1F Cash Advance:
- Personal info: valid ID, Social Security number
- Steady income: Proof of stable monthly income (at least $1,000)
- Banking details: Active checking account number and routing number
- Contact info: valid phone number, email, proof of address
When a Payday Loan Can Save the Day
A payday loan can be a great solution in situations where you need quick financial relief. Our customers use it for:
- Emergency home repairs
- Car breakdowns
- Medical or vet bills
- Rent and utility payments
- Groceries
- Other unexpected expenses
Benefits of Payday Loans
When you choose a payday loan from 1F Cash Advance, you receive:
Easy loan process
Our payday loans can be obtained online in just a few minutes, giving you the flexibility to get quick cash from the comfort of your home.
Fast approval and funding
1F Cash Advance will let you know whether you get approved for a loan instantly. If approved, you will receive the money within 24 business hours. Same-day funding options are available.
Good credit is not required
1F Cash Advance sets no minimum credit score requirements. We look at your overall financial situation when assessing your eligibility. This means you can qualify even with bad or no credit.
Why 1F Cash Advance Is the Right Choice
We offer fast and accessible financial solutions that work for borrowers with any credit. See how we stand out:
Nationwide service
We provide small personal loans nationwide and operate in full compliance with the laws and regulations of each state we serve.
No hidden fees
We provide clear, upfront terms to help you make informed borrowing decisions. There are no hidden fees, unexpected charges, or unpleasant surprises that could impact your finances.
Security
We care about your privacy and use modern security tools and encryption protocols to keep your personal and financial data safe. Your information is never shared with any unaffiliated third parties.
Payday Loan Rates & Terms
Payday loans from 1F Cash Advance come with an average fee of $15 per each $100 of your loan, making them less costly compared to overdraft fees or late payment penalties. The finance charge amount may vary by state based on local rules and regulations.
Late fees, NSF fees, or fees for bounced checks may be charged if you fail to repay your loan on time. All the costs are clearly outlined in your loan agreement, so you will be fully informed of your loan terms before committing.
FAQ
How can I apply for a payday loan with 1F Cash Advance?
1F Cash Advance offers three convenient ways to complete your loan application: online, in-store, or by phone. You can fill out a simple form on our website in just five minutes, visit one of our locations near you, or call us at (720) 428-2247 to have a customer care representative assist you through the process.
Can I get a loan with bad credit?
When reviewing your application details, we look at a variety of factors, including your income, payment history, and employment. Your credit score is not a determining factor. Borrowers with bad credit can still get approved for a payday loan with us.
How much can I borrow?
Payday loans from 1F Cash Advance have a maximum limit of $1,000. The sum you can qualify for depends on your state regulatory limits and your current monthly income.
When will my loan be due?
The due date is usually tied to your next paycheck. The maximum repayment period is 31 days. Most payday loans require full repayment within two to four weeks. All the repayment details, including the maturity date, will be specified in your loan agreement.
How fast will I receive the funds?
Direct deposits are usually made on the same day. For loan applications approved before 10:30 am local time on business days, funds may be deposited into the bank account by the evening. Otherwise, the money will arrive on the next business day.
What are my repayment options?
1F Cash Advance offers two repayment methods depending on how you apply. Online applicants will repay the funds through an Automatic Clearing House (ACH) transaction. Еhe due amount will be electronically withdrawn from your bank account on the agreed-upon date. People who complete the application process in a store can provide a post-dated check on the full debt amount.
Do you check my credit score?
We don't check your credit score via major credit bureaus. Instead, we use alternative means and third-party data to assess your loan eligibility based on your overall financial situation. This process doesn't affect your FICO rating.
Where can I get a payday loan?
1F Cash Advance provides its services nationwide. Depending on your state and preferences, you can apply for a payday loan online or visit one of our stores to complete the process in person. Check out whether there are 1F Cash Advance locations near you by visiting our store locator page.
Do you offer guaranteed approval?
No approvals are guaranteed. Although borrowers with any credit can qualify for our payday loans, we still review each application for eligibility based on certain requirements.
Can I pay off my loan early?
Early repayment may be possible. Check the terms of your loan agreement, as there may be some specifics depending on your state.