Top online cash advance loans from 1F Cash Advance

Colorado based lending company (photo credit: 1F Cash Advance)
Colorado based lending company
(photo credit: 1F Cash Advance)

If you run out of cash and need to act quickly, cash advance loans can provide you with money needed in a few hours. However, not all of them are created equally, and so do the lenders offering them.Thus, you need to be attentive when choosing a company to work with to avoid scams and get favorable loan terms. There are a few trusted companies to turn to, and now we’re going to review one of them.

1F Cash Advance is a connecting company founded by Latoria Williams in 2019. The service is known for its quick application procedure, almost instant decision-making process, and fast funding with a same-day deposit available. 

1F Cash Advance: Company Overview

1F Cash Advance is a loan-finding company that operates online and in stores in 35 states. Since 2019, it has been helping people get fast and affordable financial solutions for various life projects. The service also operates online via its convenient website. You can access its loan marketplace with multiple offers from direct lenders. Loan options include but are not limited to payday loans, installment loans, bad credit personal loans, emergency cash loans, and more.

The service is known for its commitment to helping underbanked borrowers. The acceptance rate of bad credit applicants is about 95% due to no minimum credit score requirements.

1F Cash Advance Pros and Cons

Let's take a look at the company from different angles.


  • Multiple application methods are available. Get payday loans online, in a store, by phone, or via a cash advance app;
  • One application leads to offers from multiple payday lenders;
  • Fast processing times;
  • No hard credit checks performed;
  • High acceptance rate of bad credit borrowers;
  • Multiple financing options are offered;
  • No hidden fees or charges for using the service;
  • Disbursement within one business day.


  • You can't build credit with 1F Cash Advance loans;
  • High interest rates may be offered to people with bad credit;
  • No discounts for autopay;
  • Limited loan amounts.

Why Should You Trust 1F Cash Advance?

1F Cash Advance is a company recognized and highly regarded for its efficient service. It's regularly used by customers all over the country. You can find information about it on trusted review websites, such as Trustpilot, BBB, Scamadviser, and BestCompany. The company's average trust score is 4.7 out of 5, meaning that most customers have had a great borrowing experience here.

Credit: 1F Cash Advance
Credit: 1F Cash Advance

The company's team is worth special mention. Latoria Williams, the CEO of 1F Cash Advance, makes the company a place people can turn to when other doors are closed. Her experience and excellent management skills have established her as a financial expert. Her opinion is sought after in the industry. Michael Lefler is a financial author and expert who helps people make intelligent financial choices.

Explore 1F Cash Advance App for More Flexibility

The service makes it possible to solve your money problems via your smartphone. All you need is to install its cash advance app on your Android or iOS device. Then, you will always be one step ahead of financial emergencies. If you face unexpected expenses, you can simply run the app on your phone and access online cash advances in just a few taps. The app has a convenient interface and offers a straightforward application procedure.

Find a 1F Cash Advance Store Near You

If you don't want to get cash advance loans online, the company offers a conventional way to apply for its loans. You can visit 1F Cash Advance's physical branches in 35 states, including Arizona, California, Idaho, Michigan, and Texas. The company's managers will guide you through the process and give you qualified financial assistance. Use the locator to find the nearest store and check out its operating hours.

What Maximum Loan Amount Can I Get from 1F Cash Advance?

The maximum loan amount you can access depends on your state, income, loan type, and the direct lender you work with. Payday loan amounts are usually capped at $1,000, with some states limiting them to $500 or $300. Installment loan amounts can be up to $5,000. The lender will also evaluate your earnings and debt-to-income ratio to ensure you can afford a potential debt.

Customer Service

1F Cash Advance is known for its customer-centered approach with quick responses to customers' issues. You can reach out to it in one of the following ways:

  1. By calling to (720) 428-2247;
  2. By writing a letter at 1F Cash Advance, LLC, 1942 Broadway St., STE 314C Boulder, CO 80302;
  3. By filling out a contact form on the company's website;
  4. Via social media (Twitter, LinkedIn, and Facebook).

Cash Advance Rates, Terms & Fees

As the service is not a direct lender itself, it has no single tariff or fixed loan cost. Cash advance rates, terms, and fees mostly depend on the particular loan provider. Payday loans can cost you between $10 and $30 per each $100 borrowed. In terms of an annual percentage rate, your loan cost may be over 600%. Installment loans usually come with interest rates between 16% and 100%.

The repayment period is from 2 to 4 weeks for payday loans and up to 24 months for installment loans with monthly payments.

Who Can Get Payday Loans Online from 1F Cash Advance?

1F Cash Advance has basic eligibility requirements borrowers must meet to submit loan applications:

  • Have an active bank account;
  • Be a US citizen over the age of 18;
  • Provide income confirmation.

Some lenders may have additional requirements. They may ask you to provide extra information and documents after reviewing your application details.


1F Cash Advance can be a great service for people with credit issues and those who are looking for fast cash without the hassle of traditional banks. Thus, the company is a perfect fit for financial emergencies. However, loan amounts are limited, and you may be offered a high interest rate. Also, not all company's services are available in all states.

Methodology – How to Choose the Best Cash Advance Online

While doing this review, we were focused on several core quality marks. We've paid special attention to the speed of application and processing procedures, money transfer times, bad credit leniency, loan accessibility, and customer satisfaction. Based on the collected data, we decide whether the company is worth your attention.

What Is a Cash Advance?

The "cash advance" term is typically used in several ways. Most often, it refers to a form of borrowing against your available credit card balance. But this term can also be used to describe a cash advance loan. This is an unsecured short-term loan that people use to overcome small financial emergencies.

Cash advance loans are quite similar to online payday loans. They have limited loan amounts and should often be repaid by a borrower's next paycheck. However, there are also more flexible repayment terms available.

Is a Cash Advance Loan Right for Me?

A cash advance loan can be the right solution for you if you need money urgently to cover your short-term financial needs and can't access cheaper alternatives. Also, make sure you clearly understand your loan terms and can repay the loan without violating them. Otherwise, you may end up starting a rollover, paying high late fees, and being stuck in a cycle of debt. Plus, late payments often lead to credit score damage.

Are Online Cash Advances Available with Bad Credit?

Online cash advances can be obtained with bad and poor credit. Payday lenders are not focused on negative records on your credit report. Thus, they skip hard credit checks to make their loans more accessible and speed up the process. If a borrower can prove they have a high-enough income to cover the debt when due, there will be no denial based on bad credit.

Is It Possible to Get Instant Cash Advances?

Cash advances are considered an emergency form of borrowing. Therefore, lenders try to transfer money at their earliest convenience. However, the speed of your loan processing and your bank operating times play a role too. In most cases, the funds reach a borrower's bank account as soon as the next business day. Almost instant cash advances are available for those who get approved before noon on a weekday. 

Where Can I Get a Cash Advance Near Me?

As cash advance loans are in high demand now, many lenders across the US offer them. Search for private lending companies in your area. Then, choose the most trusted one with the best loan terms. Also, some credit unions may offer short-term loan options with lower interest rates or better repayment terms. If you're a member of a certain credit union, contact it and ask about the options available.

Additionally, you can get a cash advance online. This way, the money will be directly deposited to your bank account with no need to leave your home. You can use the service reviewed in this article or do your research on the Internet.

How to Get Cash Advance Loans Online?

Online loans typically have a straightforward application process. Below are steps that are common to most lenders:

  1. Complete a loan application process by filling out an online loan request form.
  2. Wait for a response from a lender. It will get back to you after making a soft screening, typically within 5-15 minutes.
  3. If approved, read and sign the loan agreement. Pay attention to a repayment term and your total loan cost, including an interest rate and extra fees.
  4. Get paid. The lender will transfer money into your checking account within one business day.

Alternatives to a Cash Advance Loan with No Credit Check

A cash advance loan with no credit check is not the only option available for bad credit. Below are a few more ways to get extra cash quickly.

Credit Card Cash Advances

If you have a valid credit card, you can borrow money against its balance in the nearest issuer's store or ATM. This option doesn't require you to undergo any credit checks or complete applications. However, it comes with higher interest rates than regular card purchases.

Auto Title Loans

An auto title loan can be a cheaper but also riskier alternative to a regular cash advance loan. You can get lower interest rates by providing your vehicle as a pledged asset. If you fail to repay the loan by your next payday, a lender can confiscate your car.

Bad Credit Personal Loans

A personal loan for bad credit is an option that can be repaid in equal monthly installments. It comes with higher loan amounts and extended loan terms but also has stricter income requirements.

Emergency Funds

The best way to avoid debt in case of an emergency is by creating an emergency fund in advance. Start with setting aside a certain percentage of your monthly income. Even if it's a small amount, it can turn out to be lifesaving at the moment of urgent need.

This article was written in cooperation with 1F Cash Advance