1F Cash Advance has introduced a flexible payday and installment loan designed for those who need same-day funds, even if they have less-than-perfect credit. While the advertised APR can be high—often around 391%—the main appeal is instant approval without a hard credit check. Applicants must have a regular income, a valid ID, and a checking account to qualify.

How to Apply: Step-by-Step

• Fill out the quick online application form.
• Provide personal identification and income details.
• Receive instant approval if qualified.
• Review and e-sign the loan agreement.
• Get the funds deposited the same or next business day.

What We Like

One of the standout features is accessible eligibility for individuals with poor or no credit history. The process is fast, digital, and user-friendly, reducing stress during emergencies.

No collateral is needed, making this service attractive for urgent short-term funding without risking personal assets.

Potential Drawbacks

Interest rates and fees can be significantly higher than other credit types, so these loans are best reserved strictly for emergencies.

Repayment terms are typically short, usually within one month, which may challenge some borrowers’ budgets if they’re unprepared.

Our Verdict

1F Cash Advance stands out for fast access and high approval rates, especially for bad credit borrowers. However, always read the agreement closely and consider the real cost. It’s ideal for urgent, one-time needs, not ongoing financial relief.