Payday Loans
Fast, reliable, and convenient way to receive extra cash before your next payday
- Easy application in minutes
- Online and in-store assistance
- No hard credit check to prequalify
- Fast approval decisions
- Same-day funding options
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 about 2–4 weeks. It comes with fast approval decisions and allows you to borrow up to $1,000 within 1 business day (loan amounts and terms vary by state). This makes it suitable for emergency expenses and urgent financial needs.
At 1F Cash Advance, lending partners consider factors beyond just your credit score. They assess your income and payment history when deciding whether to approve you. This makes payday loans available to borrowers with poor or no credit.
How to Get a Payday Loan?
Whether you apply online or at a store, our hassle-free application process is as simple as 1-2-3:
Fill out our easy form on the website or visit the nearest location.
Apply NowGet a loan decision in minutes.
If approved, sign and 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 apply for a loan through 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 may be a good option when you need quick cash. Our customers use it for:
- Emergency home repairs
- Car breakdowns
- Medical or vet bills
- Rent and utility payments
- Other unexpected expenses
Benefits of Payday Loans
When you apply for a payday loan through 1F Cash Advance, you receive:
Easy process
You can request a payday loan online in just a few minutes, allowing you to get quick cash from the comfort of your home.
Fast approval and funding
Lenders will send you a loan decision quickly. If approved, you will receive the money within 1 business day. Same-day funding options are available.
Good credit is not required
1F Cash Advance sets no minimum credit score requirements. Lenders in our network look at your overall financial situation when assessing your eligibility. This means you may 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
Small personal loans from our network are available nationwide. Our lending partners operate under applicable federal and state laws.
No hidden fees
All the terms are clearly stated before you sign to help you make informed borrowing decisions. There are no hidden fees or unexpected charges beyond those outlined in your loan agreement.
Security
We care about your privacy and use industry-standard encryption to keep your personal and financial data safe. Your information is never shared with any unaffiliated third parties.
Payday Loan Rates & Terms
Payday loans available through 1F Cash Advance come with an average fee of $15 per each $100 of your loan, which equals an APR of 391% for a standard 14-day loan. In some cases, they may be cheaper than overdraft fees or late payment penalties. The finance charge amount may vary by state based on local rules and regulations. You can calculate interest on a cash advance to understand your total cost before applying.
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 and let our customer care representative walk you through the process.
Can I get a loan with bad credit?
When reviewing your application details, lenders look at a variety of factors, including your income, payment history, and employment. Your credit score is not the only factor. Borrowers with bad credit can still get approved for a payday loan through us.
How much can I borrow?
Payday loans available through 1F Cash Advance have a maximum limit of $1,000. The exact amount you can qualify for depends on your state regulatory limits, your current income, debts, employment status, and payment history.
When will my loan be due?
The due date is typically tied to your next paycheck. The maximum repayment period is usually 31 days. Most payday loans require full repayment within two to four weeks. All the repayment details, including the repayment 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 your bank account by the evening. Otherwise, the money will arrive on the next business day.
What are my repayment options?
There are two repayment methods available, depending on how you apply. Online applicants will repay the loan through an Automatic Clearing House (ACH) transaction. The amount due 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 covering the full amount due.
Do you check my credit score?
Some lenders may check your credit score if you decide to proceed. Exploring your options only involves a soft credit check that does not affect your credit.
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 whether there are1F Cash Advance locations near you by visiting our store locator page. Federal credit unions also offer a similar option called a Payday Alternative Loan; NCUA rules cap its interest rate at 28% APR.2
Do you offer guaranteed approval?
No approvals are guaranteed. Although borrowers with any credit can qualify for payday loans, our lending partners still review each application for eligibility based on certain requirements. One of those requirements is federal: under the Military Lending Act, active-duty service members and their dependents can't be charged more than a 36% Military APR on a loan like this.1
Can I pay off my loan early?
Early repayment may be possible. However, each lender has its own rules and restrictions. Check the terms of your loan agreement before making any payments. Sometimes, prepayment penalties may apply.
Sources
- 1 U.S. Department of Defense — Report to the Committees on Armed Services: Financial Literacy and Preparedness Survey, Results from the 2023 Status of Forces Survey — Military Lending Act rate cap. May 2025.
- 2 National Credit Union Administration — Federal Credit Union Loan Interest Rate Ceiling: Supplemental Information and Analysis — payday alternative loan rate cap. July 2024.
