Personal Loans
- $1,000–$5,000 for any need
- Low interest rates
- Fast approval and funding
- No impact on your credit score
- Online loans without collateral
No matter what your financial goals are, our personal loans are tailored to your unique needs. At 1F Cash Advance, we can help you get up to $5,000 in as little as 24 hours after closing.
Move Forward on Your Financial Journey
We make financing simple and straightforward so that you can reach your bold goals faster. With us, you can find a personal loan that perfectly suits your situation.
Fixed APRs
Do not worry about any interest rate changes over time.
Flexible repayment options
A repayment period range of 12 to 60 months allows for smart payment adjustment.
Predictable payments
The amount you should pay each month is the same over the loan life, making it easier to fit your budget.
Easy loan process
Complete your application from anywhere 24/7 in about 5 minutes.
Fast deposits
The money can arrive in your bank account on the same day* after approval.
Automatic payments
Protect your financial health by setting up an autopay to manage the loan without hassle.
Online Personal Loans Designed to Match Your Needs
See how personal loans can stretch your finances:
Debt Consolidation
We are here to help you make your multiple debts more manageable by uniting them into one single payment.
Home Improvements
Get much-needed funds to remodel your home or make it a better place to live and increase its value.
Car Repairs
We all have been there. When the car breaks down, extra financing will help you get back on the road quickly.
Auto Purchase
Personal loan funds can help you finance a new vehicle and avoid pledging your asset.
Refinancing
Use a personal loan to pay off credit card debts or replace your high-interest loan with one at a lower rate.
Medical Assistance
When an unexpected medical bill pops up, we’re here to help you secure the needed amount and focus on what really matters.
Moving Costs
A personal loan can help you reduce the stress of your local or out-of-state move by covering the financial part.
Travel Expenses
Whether it’s a planned vacation or a sudden family event, we can help you get there.
Emergency Financing
Emergency personal loans can provide you with fast cash for urgent situations and daily necessities when your savings fall short.
Easy Loan Process from Start to Finish
We build our process to be seamless and intuitive. Applying with us takes just 3 simple steps:
Prequalify for a personal loan.
Complete our easy online form to access your personalized loan offer.
Apply NowGet a response
The underwriting usually takes minutes and does not affect your credit score.
Receive the funds
If approved, review the terms of your offer and sign the agreement. Deposits usually arrive the same or the next business day*.
*Funding may take longer depending on the verification and your bank's cut-off times. Approvals before 10:30 am on a banking day are usually funded the same day. Loans originated after this time or on weekends will be processed on the next business day.
Personal Loan Rates and Terms
We clearly disclose the terms so that you can make an informed decision. Here’s a quick personal loan overview:
| Loan Amounts | Repayment Terms | APRs |
|---|---|---|
| $1,000 – $5,000 | Up to 60 months | Fixed, depending on the state |
1F Cash Advance offers unsecured loans that require no collateral. Interest rates range from 5.99% to 35.99% for good credit borrowers, but can be higher for those with bad FICO ratings. Terms are highly affected by your local regulations. Check out your state rates here.
How Do 1F Cash Advance Personal Loans Differ?
Since 2019, 1F Cash Advance has been offering an exceptional borrowing experience without relying much on your credit score. Our products are designed to be fast, accessible, and safe to use. You can get an instant decision on your personal loan online and receive the funds within one business day with no hassle of traditional borrowing.
Here are a few more reasons why people love us:
Hassle-free Experience
Our personal loans come with no credit check, making the entire process faster and stress-free. It often takes just hours from the moment you complete a form to the money transfer alert.
Exceptional Customer Support
Our professional customer care team is always here to lend you a helping hand if you have any questions.
Personalized Assistance
We offer a personal touch and customized support to ensure the offer you get will meet your current needs and help you reach your goals effectively.
Mutual Trust
You choose us, and we trust you in return. No collateral is needed to qualify, and borrowers with any credit can apply.
Types of Loans We Offer
Choose an option that’s right for you.
Unsecured Personal Loans
Our unsecured personal loan offers amounts of up to $5,000 without the need to provide collateral. The repayment can be made over 12 to 60 months. Enjoy its convenient process, fixed rates, and predictable payments with no restrictions on what you can use the funds for.
Installment Loans
An installment loan suits bad credit borrowers who need repayment flexibility. Loan amounts between $500 and $5,000 and terms of 2 to 24 months make them ideal for easier budgeting when larger emergencies arise. With their fast deposits and no minimum credit score requirements, installment loans are here to meet your urgent needs.
Payday Loans
A payday loan is a small, short-term personal loan that is designed for emergency situations. It allows you to borrow up to $1,000, depending on the state, and requires full repayment by your next paycheck, usually within 14 to 30 days. This loan works best for temporary money gaps and minor financial challenges.
Hear from Our Customers
We are writing a book on helping people. Read their real stories about working with us.
FAQ
What is a personal loan?
A personal loan is a borrowing option that provides financing for a wide range of personal needs. It usually provides you with a fixed amount upfront and is repaid in a series of equal monthly installments over a set period, generally from 12 to 60 months. Most personal loans require no collateral but may come with stricter credit score requirements.
How fast will I get a loan?
Common funding times are as soon as the next business day after approval. However, same-day funding may be possible if the loan origination process is complete before 10:30 am on a banking day.
How can I get approved for a personal loan?
To qualify for a personal loan with us, you need to be 18+ years old, provide your ID and SSN, have a steady source of verifiable income, and specify your bank account and routing numbers. You can increase your approval chances by demonstrating a high income and ensuring the information you provide is accurate and complete. Use a loan calculator to determine the loan amount and monthly payment that corresponds to your earnings.
What is the difference between an unsecured personal loan & a secured personal loan?
Unsecured loans are signature loans that require no collateral, while secured loans need a pledge to back your application. With a secured loan, you can get a lower interest rate but take on the risk of losing your collateral in case of default. Secured personal loans may work better for bad credit borrowers since a pledged asset serves as an extra repayment guarantee, making lenders more willing to approve them.
Are there any fees associated with a personal loan?
Besides interest rates, origination, late, and NSF fees may apply. Their amounts vary widely by state and your creditworthiness. All the terms will be clearly outlined in your loan agreement before signing.
What credit score should I have to get a personal loan?
Traditional lenders usually require you to have at least a 600 credit score to qualify. Most of them offer reasonable rates to applicants with FICO ratings of 680 and above. At 1F Cash Advance, we offer personal loans with no minimum credit score requirements. Our underwriting process takes into account your overall financial situation and the ability to repay.
Will applying affect my credit?
Our underwriting process involves only a soft credit check that does not affect your credit score. Please note that late payments may result in collection actions and further credit damage.
How much can I get with a personal loan?
At 1F Cash Advance, you can borrow from $1,000 to $5,000 with an unsecured personal loan. However, we will check your financial profile to determine whether your income is enough for the requested amount.
Do you offer personal loans for self-employed individuals?
Self-employed applicants may qualify as long as they can verify their income via bank statements, tax returns, or 1099 forms. Your income should be high enough to cover your monthly payments.
Can I have several personal loans at a time?
It depends on your eligibility. There are no restrictions as long as you can meet the requirements. However, handling multiple debts can be difficult, so we recommend you borrow only one personal loan at a time.
Can I repay a personal loan early?
In most cases, you can pay off your personal loan early without penalties. This will reduce the total cost of borrowing. However, exceptions and restrictions may apply. Review the terms of your loan agreement first.