1st Money Center payday loans review February 2018 | finder.com
1st Money Center Payday Loans

1st Money Center Payday Loans

If you need money in a hurry, you can consider applying for a payday loan through 1st Money Center.

1st Money Center, Inc is a Texas-based corporation that owns and operates 1st Money Center, through which it provides payday loans. You can apply for a 1st Money Center payday loan if you reside in Alaska, Delaware, Hawaii, Louisiana, Michigan, Missouri, Ohio, South Dakota, Texas or Washington.

In Ohio and Texas, 1st Money Center does not function as the lender of your loan. Instead, it tries to connect your application with a suitable third party lender. In Texas, once you get a loan from a third party, 1st Money Center services it.

From the 2016 taxation season, 1st Money Center has started offering its products through Tax Products Group (TPG) and EPS Financial. This guide focuses on the payday loans provided by 1st Money Center.

Compare payday loan lenders like 1st Money Center

A selection of loans you can apply for

Here are some loan providers that you can apply to. Note that the max loan amount is based on the lender’s max amount. The amount will vary based on your state of residence.

Rates last updated February 18th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
$250
7–30 days
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.
Same rates
everywhere
Go to site More
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Same rates
everywhere
Go to site More
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000
Varies by state
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
Same rates
everywhere
Go to site More
ACE Cash Express Payday Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
Same rates
everywhere
Go to site More

Compare up to 4 providers

A selection of lender connection services you can apply with

These lender connection services are not lenders, loan brokers or agents for any lender or loan broker. They also do not make credit decisions. They focus on trying to connect you with a lender that might be able to provide you the funds you seek. Note that the max loan amount is based on the connection services max amount, but it will vary based on your state of residence. If you proceed with one of these services, confirm that the lender is reputable by checking with your local government.

Rates last updated February 18th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
$2,500
Varies by lender
As soon as next business day
Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
BadCreditLoans.com
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
$5,000
3 to 36 months
Varies based on lender
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
TriangleCash Payday Loans
If you have bad credit or no credit history, apply to be connected to a network of lenders for funding at rates that vary by state.
$1,000
Varies based on lender
As soon as next business day
You must be a US citizen, at least 18 years old, and have a valid bank account.
SWIFT Payday Loan
Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
$1,200
Varies by lender
Next business day
Must be at least 18 years old and employed or have regular income.
LendYou Payday Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
$15,000
Varies
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
LoanSolo.com Payday Loans
Potentially get connected with a legit lender offering convenient payday loans and quickly get funds.
$1,000
Varies by lender
As soon as one business day
You must be 18+ years old, legally work and live in the US, have a bank account in your name and be employed with sufficient income.
ExtraLend.com Installment Loans
This free and simple service could connect you with online lenders offering installment loans.
$3,000
Varies by lender
As soon as one business day
Must be at least 18+ years old, legally work and live in the US, have a bank account in your name and be employed with sufficient income.
iCashLoans.com Short Term Loans
Potentially get a loan through a network of 100+ lenders. One simple online application.
$1,000
Varies by lender
Varies by lender
Be employed, have a bank account in your name and income of at least $1,000 per month.
CashAdvance.com Payday Loans
Whether for emergencies or unexpected expenses, this broker may be able to connect you among its nationwide network of lenders.
$999
Up to 12 months
1–2 days
You must be at least 18 years old with take-home monthly income of at least $1,000 after taxes.

Compare up to 4 providers

How does borrowing from 1st Money Center work?

If you apply with 1st Money Center during business hours, you find out about the status of your application soon after. If it approves your application, your funds will be transferred into your nominated bank account immediately. When the loan is due, 1st Money Center requests payment from your bank account.

The maximum loan amount depends on state-specific laws and your existing financial situation. State laws will also influence the loan term.

Why should you consider taking out a 1st Money Center payday loan?

  • Quick and easy process. Completing and submitting your online application takes five to 10 minutes. Since 1st Money Center does not follow the same stringent lending criteria as banks, it is able to process your application much faster. As a result, you can find out about your application’s status on the same day. The money can get to your bank account by the next business day.
  • Apply with poor credit. This payday loan provider offers loans to people with less-than-perfect credit. You can apply as long as you have a steady source of income.
  • Transparent fee structure. When you get a 1st Money Center payday loan you don’t have to worry about any hidden fees or charges. This lender gives you a clear indication of what the loan will cost through the loan contract. You can also find out about applicable costs even before you apply by visiting the 1st Money Center website.
  • Use the approved funds for any purpose. 1st Money Center does not place any restrictions on how you use proceeds from the loan.You can use this money for any legitimate purpose.

How much will it cost you to borrow from 1st Money Center?

How much you end up paying for a 1st Money Center payday loan depends on where you reside and the amount you borrow.

For instance, if you borrow $100 for 14 days in Alaska, you’ll have to repay $112. This includes an origination charge of $5 and a loan fee of $7. If the loan amount increases to $500, the origination charge would remain the same but the loan fee will increase to $35.

For a 14-day $500 loan in Hawaii or Dakota, you’ll end up paying a $40 loan fee. If you are to borrow $500 for 14 days in Delaware, you’ll have to pay an origination fee of $20, a $25 documentation fee and $6.90 as interest. This would bring the total amount payable to $551.90.

Are 1st Money Center loans safe?

1st Money Center follows all applicable state laws when providing payday loans. Your loan contract lists out all fees and charges you might have to pay under different circumstances.

How can you apply for a payday loan from 1st Money Center?

You can submit an application online. Before you begin, go through the required eligibility criteria:

  • You meet your state’s minimum age requirement (18 years in most states)
  • You are an American citizen or permanent resident of the US
  • You have a regular source of income
  • You have an operational checking account

To complete the application successfully, you have to provide some basic information:

  • Your name, email address, home address and phone number
  • Your social security number and date of birth
  • Details from an acceptable form of ID such as your driver’s license or passport
  • Details about your income
  • Your checking account details

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US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.