Personal Loans
No matter your financial goals, personal loans from our lender network are tailored to your unique needs. At 1F Cash Advance, you can get up to $10,000 in as little as 24 hours after loan closing.
1F Cash Advance has been helping borrowers find emergency loans since 2019. Our lenders are licensed and operate under state laws. Over 140,305 consumers have already found loans through us, both online and in stores.
Each of our articles is reviewed by leading industry experts and updated regularly. We keep content accurate and up to date through daily audits and regular updates. Learn more about our editorial standards.
1F Cash Advance has been helping borrowers find emergency loans since 2019. Our lenders are licensed and operate under state laws. Over 140,305 consumers have already found loans through us, both online and in stores.
Each of our articles is reviewed by leading industry experts and updated regularly. We keep content accurate and up to date through daily audits and regular updates. Learn more about our editorial standards.
Move Forward on Your Financial Journey
We make financing simple so you can reach your financial 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 of 12–60 months let you adjust a monthly payment to fit your budget.
Predictable payments
The amount you pay each month stays the same over the loan life, making it easier to budget for.
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 help:
Debt Consolidation
Make your multiple debts more manageable by combining them into a single payment.
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, our lenders can help you secure the amount you need 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 costs.
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
Our application process is seamless and intuitive. Applying through us takes just 3 steps:
Prequalify for a personal loan.
Fill out our easy online form to see your personalized loan offer. Prequalifying does not affect your credit score.
Apply NowGet a response
If you decide to move forward, a lender may perform a hard credit check for final approval. The underwriting usually takes minutes.
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
Our lenders clearly disclose the terms so you can make an informed decision. Here’s a quick personal loan overview:
| Loan Amounts | Repayment Terms | APRs |
|---|---|---|
| $1,000 – $10,000 | Up to 60 months | 5.99%–200% (fixed, vary by state and creditworthiness) |
1F Cash Advance partners with lenders offering unsecured loans that require no collateral. APRs range from 5.99% to 35.99% for good credit borrowers, but can reach 200% for those with bad FICO scores. Terms vary significantly by your local regulations. Check your state rates here.
How Do 1F Cash Advance Personal Loans Differ?
Since 2019, 1F Cash Advance has been offering an exceptional borrowing experience to borrowers with any credit scores. Lenders in our network offer fast, accessible, and safe loan products with a focus on your ability to repay. You can get a quick approval 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
Personal loans come with no mountains of paperwork and no unnecessary steps, making the entire process faster and stress-free. It often takes just hours from the moment you complete a form to receiving the funds in your account.
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 to repay. No collateral is needed to qualify, and borrowers with any credit can apply.
Types of Loans Available Through Us
Choose an option that’s right for you.
Unsecured Personal Loans
An unsecured personal loan offers up to $10,000 with no collateral needed. The repayment can be made over 12 to 60 months. Enjoy the 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 2–24 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 14–30 days. This loan works best for temporary cash shortfalls and minor financial challenges.
Hear from Our Customers
We wrote the book on helping people. Read their real stories about working with us.
Ask AI About Personal Loans via 1F Cash Advance
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. Under the Truth in Lending Act, lenders must give borrowers full cost and term disclosures on consumer credit up to $73,400.2
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 showing 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 and 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 if you 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, and the average rate on a 24-month personal loan at U.S. commercial banks was 11.86% in the second quarter of 2026.1 Most of them offer reasonable rates to applicants with FICO ratings of 680 and above. Lenders in our network offer personal loans with no minimum credit score requirements. During the underwriting process, they take into account your overall financial situation and the ability to repay.
Will applying affect my credit?
When you check your options, only a soft credit check is performed. It does not affect your credit score. However, some lenders may run a hard inquiry if you decide to move forward. This check may temporarily lower your credit score by a few points. Late payments may also lead to further credit damage.
How much can I get with a personal loan?
Through 1F Cash Advance, you can borrow from $1,000 to $10,000 with an unsecured personal loan. The exact amount depends on your income, debts, employment status, and payment history. Lenders will check your financial profile to determine whether you can qualify 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 without sacrificing other fixed expenses.
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 have 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.
Sources
- 1 Federal Reserve Board — G.19 Consumer Credit — average personal loan interest rate. September 2026.
- 2 Board of Governors of the Federal Reserve System and Consumer Financial Protection Bureau — Truth in Lending (Regulation Z), Annual Threshold Adjustment — TILA disclosure coverage threshold. December 2025.
