Small Payday Loans Online
- No credit check
- Instant approval
- Bad credit accepted
- 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 small payday loans online, which provide quick and secure funds for urgent needs. Here, you can receive same-day, instant funding, often within 1 hour of approval, so that you can address emergencies without delay. Even with bad credit or no credit history, people can qualify for guaranteed approval through our easy application process. Borrow up to $1,000 to tide you over until your next paycheck.
What Are Small Payday Loans?
Small-dollar loans are unsecured single-payment advances, typically ranging from $500 to $1,000, that provide short-term cash between paychecks. Direct lenders charge a flat fee of approximately $15 per $100 borrowed. This translates to an APR of 300–600% when annualized over a typical 14–30-day term.
People use small payday loans to cover essentials, such as rent, utilities, car repairs, or medical bills. These loans are popular because they are extremely accessible and require no collateral. At 1F Cash Advance, there is no hard credit check involved, so people with poor credit can still be approved. We primarily consider your ability to repay the loan.
Benefits of Small Online Loans
Small online payday loans have several notable benefits for borrowers:
Access to Emergency Cash
Our small payday loans provide a fast solution. If your car breaks down, you can apply 24/7 at 1F Cash Advance and get the money in one business day.
Simple and Fast Process
There is a simple and fast borrowing process with 1F Cash Advance. The application is straightforward and can be completed in minutes.
Flexible Credit Acceptance
These loans are known for being “bad credit friendly”. We focus on your income and ability to repay, not your credit history.
How Does a Payday Loan Online Work?
Applying for a payday loan at 1F Cash Advance is a quick three-step process:
Submit a loan request
To get started, fill out a simple online application form. It takes just a few minutes on the 1F Cash Advance website.
Apply NowGet the loan offer if approved
Your information will be checked quickly, and if approved, review the loan offer and sign the agreement.
Get your funds
After you sign the loan agreement, the funds are disbursed to you. The money is typically sent via direct deposit to the bank account you provided.
Eligibility Requirements
To apply for a payday loan with 1F Cash Advance, you’ll need to meet these minimum requirements:
- Be at least 18 years old
- Be a resident of a state where 1F Cash Advance operates
- Provide Government-issued ID and Social Security Number
- Prove a steady source of income
- Have an active checking account
- Give a valid email address and phone number
Loan Rates and Terms in Different U.S. States
Payday loan terms are determined by state law and can vary depending on where you live. 1F Cash Advance is fully licensed and compliant in each state in which it operates.
A common fee amount is $15 per $100. Besides the main finance charge, there can be other fees, depending on local law:
- Rollover fees
- Late fees or NSF fees
- Database fees or verification fees
- Origination fees or monthly fees
In 32 states, payday loans are permitted. Some of these states allow high loan amounts, extended repayment terms, or looser borrowing limits. For example, California permits a maximum loan of $300 and caps the fee at 15%, while Mississippi allows loans of up to $500 by law.
At least 18 states prohibit payday loans entirely, including Arkansas, North Carolina, and Georgia. Most states also place a cap on how much you can borrow at one time.
1F Cash Advance will only allow you to request an amount that complies with your state’s legal limit. Select your state to view available loan options:
Installment Loan as a Payday Loan Alternative
If you need a longer time to repay or a larger amount, an installment loan can be a great alternative. It’s available through 1F Cash Advance, and instead of requiring full repayment on your next paycheck, an installment loan is paid back in multiple scheduled payments over 2-24 months.
You can take out up to $5,000. Additionally, the interest rates are often lower, though they can still be high if you have poor credit.
A payday loan is ideal if you need a small amount quickly and can confidently repay it in a lump sum within a few weeks. An installment loan is better if you need more money or more time to repay the loan.
Why choose 1F Cash Advance?
Several reasons that set 1F Cash Advance apart as a safe and convenient choice are:
Legal compliance
1F Cash Advance is a fully licensed service operating worldwide. We hold all the required state licenses.
No hidden fees
Transparency is a core principle. All fees and terms are disclosed in the loan agreement.
Secure process
1F Cash Advance uses modern data encryption technology and secure systems to protect your personal information.
FAQ
How much can I borrow?
The amount depends on your state’s limits. Generally, 1F Cash Advance offers payday loans up to $1,000.
Will I be approved with no or bad credit?
Yes. When you apply, no hard credit check is performed with the major credit bureaus. If you meet the basic requirements, you may still qualify.
How soon will I have my money?
At 1F Cash Advance, you can receive your funds on the same day if you apply before 10 am on a business day, or on the next business day after you’re approved.
Do I borrow from a direct lender with you?
When you get a loan through 1F Cash Advance, you are borrowing from a state-licensed direct lender. It means that your loan is secure and regulated.
What if I cannot pay on time?
If you suspect you will be unable to pay back the loan on the due date, contact your lender ahead of the due date.
Can I make a partial payment?
Yes, you typically can make a partial payment. However, paying only part of the amount may not stop additional fees unless the lender agrees. Contact the lender to explain your situation.
Can I pay off my loan early?
You can pay off your payday loan early with 1F Cash Advance, but there are no guarantees that fees and penalties won’t be charged.