same day personal loans
same day personal loans

Same-Day Personal Loans

  • Quick Same-Day Personal Loans
  • Fast & Easy Application
  • Get Money No Matter Your Credit Score
  • Same-Day Approval & Funding
Written by Latoria Williams | Reviewed by Michael Lefler

When you need money fast, same day personal loans may save the day. These loan options can provide you with the funds on the day you apply or on the next business day. At 1F Cash Advance, you can apply for quick same day loans and get much-needed assistance no matter your credit score.

How Do Same Day Loans Work?

Same day loans are borrowing options designed for people in urgent need of cash. When you face an emergency and are short on time to fix it, these loans can provide you with the needed amount very quickly.

In most cases, same day loans have an online application procedure. Therefore, you can complete an application process from any place 24/7. Then, you’ll get a loan decision in less than one hour, provided that you apply within a lender’s operating times. If approved, the money will be transferred to you shortly after, often by the end of the same day.

Types of Same-Day Loans

Check out the following types of same-day personal loans and choose the one that fits you most:

Payday Loans

A payday loan is a great option if you need emergency cash till your next paycheck. With their help, you can get up to $1,000 and repay the funds plus interest within 2 to 4 weeks. These loans can be obtained with any credit but also come with high lender fees.

Installment Loans

Installment loans are smart financial solutions for bigger purchases or events. They allow borrowers to get up to $5,000 on hand and then make scheduled monthly repayments within 3 to 24 months.

Title Loans

Title loans are secured short-term options that provide you with cash in exchange for your vehicle’s title. You can still use your car while it’s pledged and get up to 50% of its cost for your personal needs. However, you put your automobile at risk if you don’t repay the loan on time.

Credit Card Cash Advances

A credit card cash advance is a way to borrow money against your available credit card balance. If your card issuer allows this form of borrowing, you can visit its store or the nearest ATM and simply withdraw money from your card. Interest rates will be applied immediately.

Pros and Cons of Same-Day Personal Loans

Same-day personal loans have their advantages and disadvantages, which include:


  • Fast disbursement. The money will arrive on the next day or even by the end of the same day, depending on the lenders and application time;
  • Easy to apply for. The whole process usually takes place online and can be completed in 5 minutes;
  • Any credit can be accepted. Borrowers with poor and no credit can qualify if they are solvent.


  • Higher loan costs. Same-day personal loans are usually more expensive due to their urgency and bad credit tolerance;
  • Limited amounts. You can only get up to $1,000 or $5,000, depending on the loan type.

get same day personal loans with no credit check

Same Day Loan Alternatives

Consider the following same day loan alternatives before making a final borrowing decision.

Credit Cards

If you need money for a purchase, you can simply put it on your credit card balance. As some cards offer 0% APR promotional periods, it can even result in significant savings. You won’t be charged any interest if you pay off the borrowed amount before the period ends.

Pawn Shop Loans

If you want to get money on hand, visit a pawn shop and pledge something you own. A pawnbroker will give you a portion of the item’s cost after assessing its value. Then, you will need to repay the funds with interest to get your belongings back.

Payday Alternative Loans

Members of some credit unions may be offered payday alternative loans (PALs) even if they have bad credit. On top of that, PALs come with longer repayment terms and lower interest rates. However, these loans may take a bit longer to get due to hard credit checks performed.

Borrowing from Family

Asking your loved ones for financial assistance can be a great way to save money on interest and get flexible terms. Just make sure to meet the repayment deadlines to maintain good relationships.

Same Day Loan Requirements

Make sure you meet the following simple criteria and prepare all the needed documents for a seamless application process:

  • No less than 18 years old;
  • Have a valid ID and Social Security Number;
  • Have an active bank account;
  • Can verify steady income;
  • Specify your active email and cell phone number.

How to Get Same Day Loans Online?

Getting same day loans online is a 4-step process that you can complete in minutes:

  • Fill out a loan application form on our website.

  • Get a same day loan decision from one of our trusted lenders.

  • If approved, review the offer terms and sign a loan agreement.

  • Receive the funds via a direct deposit within 24 hours.

Can I Apply for Same Day Loans with Bad Credit?

Most same day loans are available to borrowers with bad, poor, or no credit. This is because online lenders usually don’t perform hard credit checks. They look at factors other than your credit score during the approval process. These may include your income, debt-to-income ratio, employment records, and payment history.

Why Choose 1F Cash Advance?

At 1F Cash Advance, we help Americans overcome financial emergencies fast and without hassles. Our partner lenders are not focused on your credit score and offer quick and easy-to-get financial solutions for each and every situation.

Personal Advice on Same-Day Loans from Latoria Williams:

  • Seek cheaper alternatives first.
  • Applying before noon on weekdays will improve your chances of getting a same-day deposit.
  • Pre-qualify from several lenders and choose the one with better loan terms.
  • Make sure you understand interest and fees before signing an agreement.

Latoria Williams

Written by: Latoria Williams

Updated: Nov 16, 2023