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Online Payday Loans and Cash Advances up to $1,000

State-by-state coverage of every legal cap and fee: 38 states, 800+ city guides, real cost math on every page. Submit one request and compare offers from licensed direct lenders, with decisions in minutes.

Start with your state

Each state page lists the legal maximum, the fee regime, the statute behind it, and a worked cost example, so the numbers are known before any application.

One short request form reaches multiple direct lenders at once, so offers compete for you: decisions in minutes, funding as soon as the next business day, and no fee to submit. Start with an amount and an email, then continue to a secure application carried on 256-bit encryption.

How It Works

  1. Pick an amount and submit. Choose $100-$1,000 and complete the two-minute form: no fee, no paperwork, no storefront.
  2. Get answers fast. Lenders review your income, not just your credit score. Most requests receive a response within minutes, around the clock.
  3. Receive the money. Accept the offer that fits and funds arrive by direct deposit, typically the next business day, sometimes the same day.

Payday Loans, Cash Advances and Installments: What Separates Them

A payday loan (cash advance) is a small advance, up to $1,000, cleared in one debit on your next payday, built for urgent one-off gaps. An installment loan spreads $100 to $5,000 over months of fixed payments. Tribal loans are installment products from sovereign tribal lenders with more flexible approval, at higher cost. This site covers all three, state by state, with the legal limits and real cost math for each.

What First Plus Group Does Differently

  • Numbers before applications. Every page shows your state’s caps, fees, and a worked APR example before you apply, because an approval promise without numbers is just advertising.
  • All credit considered. Lenders weigh income regularity; weak credit does not end the conversation, though every approval decision stays with the lender.
  • State rules in plain English. 38 states covered with statutes, regulator links, and consumer protections, so the ceiling is known before anything is borrowed.

Payday Loans

Advances of $100 to $1,000 repaid once, on your next payday. 38 states with caps, fees and statutes published on every page.

Find your state →

Tribal Loans

Installment credit from sovereign tribal lenders: flexible approval for stressed credit files, compared honestly with state options.

Compare sovereign offers →

Installment Loans

Larger amounts in fixed monthly payments: $100 to $5,000 across 3 to 24 months, for bills a single paycheck cannot clear.

See the mechanics →

Popular loan amounts

What each size really costs by state, and the quickest legitimate routes to it.

$100Smallest advance; often free through apps $200The classic small emergency, funded fast $255California's figure: $300 check less $45 fee $300The industry workhorse, priced by state $500America's most common state cap $700Washington's exact ceiling; gap elsewhere $1,000The online payday ceiling $1,200-$1,400Above most caps: installment math starts $2,000Past the payday ceiling, fixed payments $5,000Top of the installment range

Quick answers

The short version lives here; the complete library is on the FAQ page.

What counts as a payday cash advance?
A small-dollar advance, usually $100 to $1,000, repaid in one payment on your next payday. It is built for urgent one-off gaps between paychecks, and state law fixes the fee ceiling before you ever request.
How do I get $2,000 fast with bad credit?
$2,000 sits in installment territory, since the payday market tops out near $1,000. With bad credit, expect soft-check prequalification, income verification, and pricing at the upper end. Compare three offers and read the total of payments. Details on the $2,000 page.
How can I get $700 today?
App advances fund in minutes but rarely reach $700. A $700 payday advance is possible same-day where the state cap allows it (Washington's is exactly $700) if you are approved early on a banking day; the realistic baseline is next business morning. The full breakdown is on the $700 loan page.
What is the cash advance fee on $500?
Per-$100 fees run $10 to $30, so $50 to $150 on a $500 advance: 15% states charge $75, and Alabama at 17.5% charges $87.50. The row-by-row breakdown is on the rates and fees page.
Can I get a cash advance for $100?
Yes, and at that size the cheap routes often win: app advances and credit-union options cost little or nothing. Licensed payday lenders write $100 advances at the state minimum fee. The numbers are on the $100 loan page.

Why borrowers use First Plus Group

Numbers before applications

State ceilings, fee schedules and a worked APR example appear on every page, because an approval promise without numbers is only advertising.

Every credit file welcome to request

Lenders weigh income regularity: wages, benefits, pensions. Weak credit does not end the conversation, though each approval decision stays with the lender.

Online end to end

Roughly two minutes to submit, minutes to a decision, direct deposit as soon as the next business day. No faxes, no storefronts, no branch hours.

Free · Soft check · Offers in minutes

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