Get Payday Loans Online with Same-Day Deposit
- Borrow up to $1,000 today
- Easy & secure application process
- No hard credit check
- Instant approval decisions
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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Need fast cash to get through the day? 1F Cash Advance lets you skip the tiring commute and get the money you need in minutes from the comfort of your home. We offer loans from $100 to $1,000 with no credit check required. Just fill out our easy and quick application form to request a payday loan online and get a same-day deposit from a trusted direct lender.
What Is an Online Payday Loan?
An online payday loan is a small, short-term loan that offers a convenient way to borrow money without visiting a 1F Cash Advance store. You can complete the entire process via the website, get an instant approval decision, and receive the loan funds on the same day.
Payday loans are designed to help borrowers bridge financial gaps between paychecks, so the repayment is typically due in 2 to 4 weeks. We perform no hard credit checks, making it possible for bad credit borrowers to qualify.
How Do Same-Day Deposit Online Payday Loans Work?
1F Cash Advance makes getting a payday loan fast & easy:
Get approved
A loan decision is made within minutes.
Receive the funds
If approved, sign the contract and get the money on the same day*.
*Same-day funding is available for in-store approvals and online loans originated before 10:30 am on a weekday. Later, weekend, or holiday applications will be processed on the next banking day.
Who Can Qualify?
Here’s what you’ll need to apply:
- A valid US-issued photo ID
- Social Security number
- Proof of income
- Bank account details
- Proof of address
- Working phone number and email
How Can You Use Your Loan?
A payday loan can help you meet a wide range of emergency needs. Here’s how our customers usually use it:
- Car repairs
- Unexpected bills
- Medical expenses
- Household maintenance or repairs
- Travel expenses
- Rent or utility payments
Rates & Fees
An online payday loan cost varies widely depending on your state and creditworthiness. An average finance charge is $10 to $30 per each $100 borrowed. A 14-day loan APR can be from 260% to over 400%, with some states applying strict interest rate caps. An origination fee of up to 10% may be added to the lender’s fee. Late fees and prepayment penalties may apply in some states.
Here are illustrative cost examples for a 14-day loan.
| Loan Amount | Finance Charge | APR | Total Amount Due |
|---|---|---|---|
| $100 | $15 | 391.07% | $115 |
| $300 | $45 | 391.07% | $345 |
| $500 | $75 | 391.07% | $575 |
| $1,000 | $150 | 391.07% | $1,150 |
The terms are not guaranteed. Your interest rate is subject to approval based on your state laws, application details, and credit standing.
Same-Day Deposit Alternatives to Payday Loans
If you need money today but a payday loan can’t meet your needs, consider other options for quick cash.
Installment Loans
An installment loan allows you to borrow a lump sum amount and repay it in a series of fixed monthly payments. At 1F Cash Advance, we offer installment loans of up to $5,000 with a maximum repayment period of 24 months. This flexibility can help you cover larger unexpected expenses, finance big purchases, or consolidate debts while keeping your payments manageable. Same-day funding is possible.
Personal Loans
A personal loan can help you finance major life projects or ongoing needs. You can borrow up to $50,000 and repay the funds in 12 to 84 months, making your loan easier to handle. Online lenders may offer personal loans to borrowers with less-than-perfect credit scores. However, their interest rates are higher than those offered to borrowers with good credit. Traditional options always require a hard credit check and a minimum credit score of 580.
Cash Advance Apps
Cash advance apps offer small cash advances between $50 and $500 that are due on or around your next paycheck. These small loans are often interest-free. To get one, you need to install an app on your smartphone, create an account, and complete a simple application process. Some apps may offer an instant deposit for a certain express fee. Subscription and membership fees may also apply.
Title Loans
A title loan is a secured option that allows car owners to get up to 50% of their vehicle’s estimated price by using its title as collateral. The repayment is made in one lump sum within up to 30 days. You retain car ownership and can keep driving it while repaying the loan. However, the lender can seize your car if you fail to repay on time.
Pawn Shop Loans
Pawn shop loans are cash loans that require no bank account, credit check, or preliminary application. Simply bring your valuable belongings, such as electronics, jewelry, or musical instruments, to a pawn shop and get a portion of its estimated cost. You can retrieve the item from the pawn shop once you have repaid the funds. The repayment period is usually 30 to 60 days. Otherwise, the lender can put your property up for sale.
Why Choose 1F Cash Advance
Life is unpredictable, and keeping up can be tough. That’s why we make it easy to get urgent financial help, whether you’re at home or on the go, regardless of your credit. Here’s why our customers love us:
Fast & Secure Application
The entire loan process can be completed online in minutes. There is no extensive paperwork or unnecessary steps. We use 2048-bit encryption to protect your data.
No Hidden Fees
The loan terms are clearly outlined in the contract and are easy to understand, even if you’re new to borrowing. You will always know what you’re going into with us.
Nationwide Service
We operate across the US and strictly follow federal and state laws to ensure your safe borrowing experience. You’re welcome to apply online or in one of our physical locations.
FAQ
Can I get a same-day deposit loan with bad credit?
We offer payday and installment loans with same-day deposits to borrowers with poor or no credit. The underwriting process involves no hard credit check. The approval decision is made based on your financial situation and repayment capabilities.
Are online payday loans safe?
Payday loans are a safe borrowing option when you deal with a reputable and legitimate lender. However, their interest rates can be high. Assess your ability to repay the funds carefully before applying and only use payday loans as a short-term solution for small emergencies.
How much can I borrow with a payday loan?
1F Cash Advance offers payday loans of up to $1,000. The exact amount you can get depends on your income and state limits.
Do I need a bank account to apply?
We require you to have an active bank account in your name open for at least 30 days so we can deposit your online loan into it. If you don't have a bank account, visit one of our stores and write a post-dated check covering the total amount due.
Can I get a loan on weekends?
Our website is available 24/7, allowing you to apply online at any time, including weekends and holidays. However, applications submitted and approved out of hours will be processed and funded the next banking day.
What happens if I can’t repay the money on time?
Late or missed payments result in a late fee and may harm your credit. If you experience repayment problems, contact the Payment Center by the number outlined in your loan agreement to negotiate your options. Some of them may include rollovers or extended payment plans.
How fast will I receive my loan funds?
General funding times for approved applications are as soon as 1 business day. Approvals before 10:30 am on weekdays may be funded on the same day. The speed of funding also depends on your bank’s cut-off times.