1KAdvance
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Loan Amount: $100 to $1,000
Credit Score: Poor to Excellent
APR: Representative APRs range from 169% to 1,825.00%
Loan Term: Depends
Life is full of unexpected events and surprises, and more often than not, these come with at least some form of financial burden. When there is not enough money to go around, waiting can be impossible. 1kAdvance exists to pair you with lenders who can get you the money you need through a short-term loan, even if you have bad credit or no credit at all. And even better, we do not charge you any fees for our services. Understanding Short-term Loans


Fast, Easy and Secure Online Form
Our loan request form is easy to complete and only takes about two minutes. We will only ask you for the information that is necessary to provide you with the short-term loan. After you submit your information, we will attempt to set you up with one of the lenders in our network. These lenders can offer you up to $1000 as soon as the next business day, often without requiring to fax a single document. We also make use of 256-bit SSL technology to encrypt your data, providing you with a secure connection as you navigate through our website. Short-term Loan Offers with No Obligation
Minutes after you submit your information, you can be connected with a lender. You will be able to review the terms and conditions before you accept. If you do not like any given offer, you are under no obligation to accept it - simply move on to the next.
Get Your Money
Once you have chosen the offer that suits you best, you will enter a contract with that lender and will be required to provide an electronic signature. Most loans are deposited into your bank account as soon as the next business day.
Repayment
In most cases, the amount borrowed, any applicable fees and interest will be withdrawn from your bank account on a predetermined date. This eliminates the headache of visiting a location or mailing a check or money order. It also negates the possibility that you will be required to pay late fees. If for any reason you are unable to repay your loan on this date, you can contact your lender to ask about extensions or loan rollovers. Make sure you do so before the due date. Any adjustments to your current loan conditions will have additional charges. Some lenders might have other repayment options available. Make sure to review the terms closely and check with your lender before signing the loan agreement.
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APR & Loan Duration

Our network of lenders provides loans that range from 91 days to 84 months, with a range of APRS from 4.84% to 35.99%. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.

Origination Fee

An origination fee is a fee you pay to your lender when you receive funds. The charge compensates your lender for expenses like processing your application and marketing. Fees typically range from 1% to 8% of the amount you borrow, although you might pay a flat fee or nothing at all, depending on the lender.

Personal Loan Example

If you borrow $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. You will actually receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64.

Amount Period APR Monthly Total Paid
$1,000 24 month 12% $47.07 $1129.76
$1,000 24 month 24% $52.87 $1268.91
$1,000 24 month 35.99% $59.04 $1417.01

Typical Personal Loan Terms

While specific terms of personal loans will vary depending on your state, lender and your specific circumstances, below is a general range of common terms.

Loan amount: $500 - $35,000
Lending period: 91 days - 84 months
Payment frequency: Once a month or twice a month
APR: depends upon credit score, loan amount, loan term, and credit usage & history.
Prepayment penalty: None

Disclaimer

We are not actual lenders, but we have relationships with various kinds of lenders. When you submit your request via our website, we will then connect you with the best lender (s) in our network of partners.

Loan fees and interest rates are outside of our influence. Your providers determine these fees and rates and are based on a number of factors. This site does not represent an offer or solicitation to provide loans. This site will forward your details to a loan provider. You are not guaranteed a personal loan by simply providing your details on this website. This website's operator isn't an agent, broker or representative of any loan provider and does not endorse or charge a fee for any of our services or products.

Company Address

Beiqing road, NO.68 yard, NO.24 building, tower D, NO.3 floor, room 049, Haidian District, Beijing

Disclaimer

Notice

We only provide the service to the people above 18 years old.

Important Information

We are not actual lenders, but we have relationships with various kinds of lenders. When you submit your request via our website, we will then connect you with the best lender (s) in our network of partners. Our network of lenders provides loans that range from 91 days to 84 months, with a range of APRS from 4.84% to 35.99%. When you submit your request there is no hard inquiry made on your credit report, therefore there is zero impact on your credit score.

Not A Lender Notice

Loan fees and interest rates are outside of our influence. Your providers determine these fees and rates and are based on a number of factors. We don't provide loans, loan offers or broker loans online. This website operator is not a lender, do not broker loans to lenders and they do not make credit decisions or offer personal loans. This site does not represent an offer or solicitation to provide loans. This site will forward your details to a loan provider. You are not guaranteed a personal loan by simply providing your details on this website. This website's operator isn't an agent, broker or representative of any loan provider and does not endorse or charge a fee for any of our services or products.