1F Cash Advance Review: Not Legit – Use One of These Instead

Is 1F Cash Advance legit?

This company may be a real connection service, but there are too many red flags to recommend it. For example, it claims to have 81 stores across the country, but no one seems to answer the phone at these locations.

To check, we called dozens of stores from Maine to Texas to Illinois and more, and each location has the exact same message: Press one to get an application by SMS or press two to speak to a customer service member. If you press two, no one answers and your call is disconnected within seconds. Furthermore, several reviewers say they tried to visit a physical location at the listed address and there was no store.

How 1F Cash Advance compares to other lenders

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Finder Score	Max. amount per pay period	Turnaround time	Costs	bullet point infobox
Promoted Finder score 9.5 Excellent EarnIn	Finder score 9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1 to 2 business days or within 30 minutes for a fee	Free to use or within minutes with a fee as low as $3.99 per transfer	Access up to $150 per day, with a max of $1000 between paydays. Subject to EarnIn terms & conditions.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder score 8.7 Great Current	Finder score 8.7 Great	$50 to $750	Up to 3 days or within an hour for a fee	Free	Get up to $750 before payday, once you qualify. Paycheck Advance is an earned wage access service and is not a loan or credit product. Subject to Paycheck Advance Terms and Conditions.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder score 9.4 Excellent Chime MyPay®	Finder score 9.4 Excellent	Up to $500	Within 24 hours or $2 for instant transfers	No subscription fees	Plus access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions.	Go to siteMore info Compare product selection Compare	loading
Finder score 9.4 Excellent OppLoans Installment Loans	Finder score 9.4 Excellent	$500 to $5,000	As soon as the same business day	160% - 195% APR	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Go to siteMore info Compare product selection Compare	loading
Finder score 9.1 Excellent CreditNinja Installment loan	Finder score 9.1 Excellent	$300 to $5,000	1 to 2 business days	APRs over 36% plus fees	Not available in: AK, CO, CT, FL, GA, IL, IA, KY, ME, MD, MA, MT, NV, NH, NJ, NM, NY, NC, ND, OR, VT, VA, WA, WV. Fast online funding up to $5K, but you won't know about rates and terms until after you apply.	Go to siteMore info Compare product selection Compare	loading
Finder score 8.2 Great Cleo	Finder score 8.2 Great	Up to $250	3 to 4 days or instant for a fee.	$5.99 monthly membership fee to access cash advances	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to siteMore info Compare product selection Compare	loading

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What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

Read the full breakdown

Where 1F Cash Advance falls short

Where do we even start? There is the question of whether it operates store locations or not. It’s odd that the outgoing message from its main number is exactly the same as from all of its stores.

It also claims to have a cash advance app — that it says you can download from the App Store or Google Play — but we couldn’t find it. Maybe it used to have an app but doesn’t anymore? If so, the company should probably take that page off its website.

What makes 1F Cash Advance shine?

It’s hard to find a bright spot here. It says all credit types are welcome to apply, so if you’re in a bind, 1F may be able to connect you with a lender. Or you could wind up getting spammed by anyone willing to pay a fee to see your information.

If you need a small loan between paychecks, check out top picks for cash advance apps. Or, if you want to borrow a larger amount, you may want to consider an installment loan from direct lenders or a personal loan for bad credit instead.

1F Cash Advance loan details

1F Cash Advance contact info

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How to qualify for 1F Cash Advance

This is the criteria 1F Cash Advance requires to qualify:

• At least 18 years old
• A US citizen or permanent resident
• Proof of income (at least $1,000 a month)
• Valid bank account, Social Security number, phone number and email address

How to apply

If you choose to roll the dice with this service, this is how it appears to work:

1. Fill out the online application.
2. Receive one or more prequalified loan offers within minutes.
3. Review and compare offers before formally applying.
4. E-sign your loan agreement if approved. You’ll typically receive the funds by the next business day.

The service says it only requires a soft credit check to qualify, and payday loans typically don’t check credit, but installment loans may require a hard credit inquiry.

1F Cash Advance reviews and complaints

The company has a 4.58-star rating on the Better Business Bureau (BBB), with customers praising the easy application process and fast funding. A few reviewers say its rates were on the high side.

Trustpilot doesn’t list a star rating for the company because it says 1F Cash Advance “is displaying Trustpilot content in a misleading way.” Trustpilot states this could mean it’s showing an inaccurate star rating, displaying reviews it’s not allowed to or other breaches of guidelines. For the record, 1F displays that it has 4.4 out of 5 stars on Trustpilot based on 140 reviews — 36 more reviews than Trustpilot shows.

The positive reviews on Trustpilot are similar to those on the BBB. But several reviewers say you can never get anyone on the phone, and they sell your information, so you’re bombarded with spam. A few people say they tried to visit a physical location, and there was no store there.