No Fax Payday Loans
- 5-minute application
- No paperwork or faxing
- Guaranteed approval decisions
- Same-day funding
- From a state-licensed lender
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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1F Cash Advance offers short-term loans with a paperless application process, allowing you to borrow up to $1,000 fast and hassle-free. Our payday loans can be obtained online without a traditional credit check, so you can get an instant approval decision with no document faxing.
You can expect a direct deposit in one business day, making our loans perfect for emergency situations. You’re welcome to apply even with a bad credit score.
Faxless Payday Loans from 1F Cash Advance
Key benefits of our no-fax payday loans include:
Online application
There are no documents to fax or mail. All you need is to complete a simple online form available 24/7.
Safe & secure process
We are properly licensed, fully compliant with all state lending laws, and use encryption to protect your data.
Fast approval & funding
Applications are processed in minutes. If approved, funds are typically deposited within 1 business day.
Bad-credit friendly
Our loans are available to individuals with poor or no credit history. There is no hard credit check needed when you apply with 1F Cash Advance.
How to Apply with No Faxing
Getting a no-fax payday loan with 1F Cash Advance is a fast process that includes three simple steps:
Fill out the online application
Enter basic details on our website. No faxing is required, as we verify everything electronically.
Apply NowWait for approval
Your application is reviewed in minutes. Our loans come with no hard credit check, so the process doesn’t affect your score.
Get funded
If approved, the money will be deposited directly into your checking account on the same day or on the next business day.*
*Same-day funding is possible for loans finalized before 10:30 am on a banking day.
Eligibility and Requirements
Our faxless payday loans come with basic requirements that are easy to meet. Here’s what we ask for:
- At least 18 years old
- U.S. citizens or permanent residents only
- Valid SSN and government-issued ID
- Proof of address in the state we operate in
- Proof of steady income
- Active checking account details
- Valid mobile phone number and email address
- No current bankruptcies
Loan Terms, Rates, and Fees
State law usually sets the maximum fee, loan amount, and repayment periods, so exact terms may differ by location. In most states, you can borrow between $100 and $1,000 for 14 to 30 days, and the finance charge ranges from $15 to $30 per $100 borrowed. In terms of an Annual Percentage Rate (APR), it’s often 300% or more.
Here are illustrative examples of how much a no-fax payday loan can cost you:
| Loan Amount | Term (days) | Finance Charge | Total Repayment | APR |
|---|---|---|---|---|
| $100 | 14 | $15 | $115 | 391.07% |
| $300 | 14 | $45 | $345 | 391.07% |
| $500 | 30 | $75 | $575 | 182.50% |
| $1,000 | 30 | $150 | $1,150 | 182.50% |
Use Payday Loans Responsibly
The 1F Cash Advance platform follows local laws of the state it operates in. We comply with federal and state regulations to ensure the legality of each deal. We encourage you to check your state’s laws or consult with your state’s attorney general’s office before accepting any offer.
Keep in mind that faxless payday loans are only intended for short-term use and can’t meet your long-term needs. Borrow only what you can comfortably repay with your next paycheck. Review all the loan terms carefully and make sure you fully understand the fee, rate, and due date before entering the deal.
Alternatives to No-Fax Payday Loans
While faxless payday loans come with multiple benefits, there are safer and lower-cost options available:
Installment Loans
Our installment loans let you borrow $500–$5,000 and repay over 2 to 24 months, turning a single large balance into manageable, fixed monthly payments. Rates depend on your credit and term but are generally lower than those of payday loans. You can apply online 24/7 or in person, and receive a decision in minutes.
Personal Loans
A personal loan spreads repayment across 12 to 60 months, making the debt far easier to manage than a lump-sum payday loan. Rates range from 5.99% and 35.99%, depending on your credit. Loan amounts are between $1,000 and $50,000, and good credit is usually needed to qualify.
Government/Local Hardship Programs
Before borrowing, see if you qualify for government-backed assistance or public support. Federal, state, and municipal agencies often offer emergency aid for rent, utilities, food, and medical bills. You may also get energy bill grants (LIHEAP), SNAP support, and temporary cash assistance. Head to 211.org to find available programs.
Credit Union Loans
Credit unions are member-owned institutions that offer better terms and have less strict requirements. Many offer Payday Alternative Loans (PALs), a federally regulated product that caps interest rates at 28%. You can borrow from $200 to $2,000 and have up to 12 months to repay the funds. Membership is based on your employment or living area, and a hard credit check is performed.
BNPL Services
“Buy Now – Pay Later” allows you to split a purchase cost, typically ranging from $35 to $1,500, into four equal, interest-free payments that are due every two weeks. Major providers, such as Affirm, Afterpay, Klarna, or PayPal, pay the merchant upfront and bill you through a debit or credit card. Fees are only incurred if you miss a scheduled payment.
Cash Advance Apps
Cash-advance apps allow you to receive a portion of your future paycheck early without a credit check. You can borrow between $50 and $250. If you pay a small fee, the cash can reach your debit card instantly; if you choose the free option, it will be available the next business day. The repayment is made automatically after the paycheck arrives.
Why Choose 1F Cash Advance
With 1F Cash Advance, you can get payday loans without faxing quickly and safely. Here’s why borrowers choose us:
State-compliant loans
We are a legitimate company that ensures every loan we offer adheres to local regulations.
Quick and easy process
Thanks to minimal paperwork and simple requirements, you can receive a same-day or next-day deposit for your emergency needs.
No hard credit check
We consider applicants with all credit backgrounds and focus on your ability to repay, not just your credit score.
Frequently Asked Questions
How fast can I get the cash?
You can expect to see the funds in your bank account within 24 hours of approval. If you finalize your loan before 10:30 am on a weekday, you might receive money the same day.
What do I need to apply?
You must be at least 18 years old, have a steady income, and provide your checking account details. During the online application, you’ll be asked for proof of identity, income, and address, as well as your contact information.
Can I qualify with bad or no credit?
Yes. We do not conduct a hard credit check. The approval decision is based mostly on your current income and ability to repay the loan.
What are the fees and APR?
Fees vary by state and depend on your credit. A common fee is $10 to $30 for every $100 borrowed. Besides a finance charge, origination fees of up to 10% may apply in some states. Late or NSF fees may also be charged if you don't pay on time.
Are no fax payday loans legal in my state right now?
It depends on where you live. Payday loans are banned in Arizona, Arkansas, Colorado, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, Vermont, and West Virginia. If you live in one of these states, we offer you a legal alternative that follows your local rules and regulations.
Is using 1F Cash Advance safe and free of charge?
Yes. We charge no application fee and clearly outline the terms so that you can make an informed decision. 1F Cash Advance complies with all federal and state laws and uses secure SSL encryption to protect your data.