Guaranteed Payday Loans
- Online application 24/7
- Instant approval decisions
- No credit check needed
- Same-day funding*
- Bad credit accepted
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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Looking for emergency cash with easy approval? 1F Cash Advance offers quick financial assistance to help you cover unexpected expenses regardless of your credit score. We provide instant payday loans available online with a nearly 100% approval rate. Complete our simple application in minutes and get up to $1,000 on the same day, without a Teletrack check.
What Are Payday Loans?
Payday loans are small loans that provide short-term assistance for emergency situations. They typically offer amounts up to $1,000, depending on state regulations, and must be repaid in full within 2 to 4 weeks. Since payday loans come with no hard credit check, they are known for being easy to get, even with bad credit. However, these loans can be expensive in the long run and need to be approached with caution.
How to Get a Guaranteed Payday Loan?
Follow these 3 simple steps with 1F Cash Advance:
Submit your application
Enter your basic information in our easy form on the website. It will take you less than 5 minutes.
Apply NowWait for approval
The underwriting process involves no hard credit check, allowing you to receive a loan decision almost instantly.
Get funded
If approved, the money will be transferred to your bank account on the same or next business day.*
*Same-day funding is available to applicants approved before 10:30 am on weekdays. Later, weekend, or holiday applications will be processed on the next business day.
What Do You Need to Qualify?
We just need a few things from you:
- Age of at least 18
- Valid US-issued photo ID
- Social Security number
- Active bank account in your name
- Proof of steady income (pay stubs, bank statements)
- Proof of address
- Valid email and cell phone number
Is Guaranteed Approval Possible?
The term “guaranteed approval” typically refers to a loan decision you receive no matter what, whether positive or negative. It is also used to show that a lender has easy-to-meet requirements and doesn’t pay much attention to your credit score, allowing you to qualify for a loan even if you have already been rejected by a bank.
However, no legitimate lender can guarantee approval before assessing your application details. They still pay attention to your current financial situation, debts, and payment history to ensure you can handle this new loan without compromising essential needs. Avoid lenders offering loans that accept everyone. This is often a sign of predatory lending with its high fees, hidden charges, and potential for debt cycles.
Customer Notice
Be careful with offers that seem too good to be true. Always review the terms before entering the deal. Make sure you can repay the loan on time to avoid financial and credit consequences. Payday loans are designed to be a short-term solution to financial emergencies. Using them for your long-term needs can be expensive.
Payday Loan Alternatives
If a payday loan doesn’t suit your situation, here are a few more options offered by 1F Cash Advance.
Installment Loans
An installment loan allows you to borrow up to $5,000 with the ability to repay in affordable monthly installments. We offer convenient terms of up to 24 months and fixed payments to make budgeting easier. Use the money for your ongoing needs, large purchases, or bigger emergencies.
Personal Loans
A personal loan can help you start a major life project, consolidate multiple debts, or meet other needs that require more extensive financing. Loan amounts range from $1,000 to $15,000, with a maximum repayment period of 60 months. At 1F Cash Advance, no good credit is needed to qualify.
Why Choose 1F Cash Advance
Here’s what sets us apart:
Fast & Secure Loan Process
You can request our payday loans online in just 5 minutes with no credit check involved, making it possible to get an instant approval decision. Modern encryption technologies protect your sensitive information.
Transparent Terms
We don’t hide anything in the fine print. All the terms are clearly stated in the loan agreement and are easy to understand. You will always know what you’re going into before signing.
High Approval Rate
We accept borrowers with any credit scores, allowing those who have already been rejected a loan to qualify. Over 92% of applications we get are approved.
FAQ
Can I get a guaranteed payday loan with bad credit?
We offer bad credit payday loans with a focus on your financial situation. Although our products are not guaranteed, they come with nearly 100% approval as long as you meet our basic requirements.
What if I don’t repay a loan on time?
Late payments usually result in NSF fees that may be charged by both the lender and your bank. The amount depends on the particular terms of your loan agreement and your local lending rules and regulations. Additionally, missed payments may be reported to major credit bureaus, affecting your FICO rating. If you face repayment problems, contact your lender to discuss your options. You may be offered a rollover or an extended payment plan.
What are APRs and fees associated with guaranteed cash advance loans?
Cash advance loans typically cost between $10 and $30 for each $100 borrowed, which translates to an APR of 260% to over 700%. Your particular finance charge is subject to approval based on certain qualifications, including your credit and payment history. State laws also affect the cost. Some states set strict limits on how much lenders can charge. Besides a lender’s fee, you may also be charged an origination fee of up to 10%.
How can I contact your customer support team?
Our customer support team is always at your service at (720) 428-2247. If you want to reach us after regular business hours, send an email to [email protected] or fill out a feedback form via the website.