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1stSouth.com: Find the Most Suitable Payday Loan In As Little As 5 Minutes

What is 1stsouth.com?

1stSouth.com logo1stsouth.com is an online loan referral service that works by connecting Tennessee citizens with large and reputable US lenders that provide the most affordable terms and rates for payday loans up to $1,000 and personal loans up to $3,000. The company has an extensive network of lenders that offering the most beneficial offers for consumers. The portal helps people find the most suitable loan offer for their individual needs in just a few clicks.

Loan typesMin.amountMax.amountPeriodFeesDocumentsBad credit
Payday loans, personal loans$100$3,0007-30 daysVary by lenderIdentity verificationYes

Types of Loans

The online portal helps consumers get short-term payday loans and personal loans for 1-4 weeks (the lending terms vary by state and lender you got matched with).

A payday loan is a short-term loan that can help you cover immediate cash needs until you get your next paycheck. This financial product is extremely popular in the USA due to relaxed borrower requirements, high acceptance rates, speed of application and funding. Besides, many applicants may be approved despite of their bad credit history.

Personal loans are loans that can cover various personal expenses. Such loans can be unsecured, meaning you do not need collateral to borrow money.

The top reasons why people apply for payday and personal loans are car repairs, debt consolidation, home remodeling, moving costs, emergency medical expenses, appliance purchases, vehicle financing, wedding expenses, vacation costs.

Terms of Use

The available loan amounts range from $100 to $3,000. Terms typically do not exceed 1 month. The exact loan terms and rates will be specified by the lender you got matched with. Carefully read the loan agreement before e-signing it.  The rates and terms for your individual request will be affected by your personal and financial information provided during the application process.

According to the website, they partner with financial companies that never charge hidden fees. To be eligible for a loan, you must

  1. be a US citizen or permanent resident;
  2. be at least 18 years old;
  3. provide some kind of identity verification;
  4. have a steady income;
  5. have a valid bank account in your name.

As soon as you got matched with the lender, you will be able to choose whether the loan offer is suitable for you or not. If you are fully satisfied with the terms and rates offered by the lender, you will need to sign the loan agreement. You are not obliged to accept the loan offer. After that, you should expect to have the requested funds in your bank account within 24 hours (often within several hours).

The online referral service is free to use.


Using this referral service, you are able to apply for a payday loan online with no need of going anywhere. The application usually takes 5-10 minutes.

To get a loan through 1stsouth.com, you will need to fill out one short application form. The service will connect you to the right lender for your needs. You will be required to provide some basic information: name, home address, birth date, phone number, email address, Social Security Number, your income, pay frequency, and bank account information.

If you want to be 100% accepted, you must provide the correct information in your application.

When applying for a loan, you are not required to provide any collateral or fax any documents.

In the majority of cases, the lender will transfer the money to your bank account within 24 hours.


Typically, you will be required to repay your loan within 1-4 weeks in one lump sum. All repayment details will be specified in the loan agreement. 

In most cases, the principal loan + interest will be withdrawn from your bank account automatically on the due date. You are also allowed to repay your loan early but this may not reduce overpayment. Read your agreement carefully.

Late payment or non-payment may result in negative consequences: penalties, additional fees, collection practices and other actions associated with delinquency. According to the website, each lender in their network adheres to the best practices in the lending industry and complies with laws and regulations that affect lending activities. The online portal encourages borrowers who have difficulty repaying their loans to contact the lender as soon as possible – at least a few days before the due date.


If you find it hard to pay off your loans in a timely manner due to unforeseeable circumstances, you may typically be eligible for a loan extension. Most participating lenders allow borrowers to extend their loan terms for additional interest added. This option can sometimes be expensive, so you must contact your lender before the due date and discuss the available options. Keep in mind that not all states allow extensions. 

1stsouth.com Bad Credit

Some lenders in the network do some credit verifications via traditional credit bureaus: Experian, Equifax and TransUnion, the others may just check if a potential borrower is not bankrupt or has no outstanding debts. In many cases, bad credit is not a reason for loan rejection because short-term payday and personal loans are designed specifically for consumers with bad credit. Nevertheless, bad credit may influence the loan amount and terms offered.

Technical Characteristics of the Website

Secure Сonnection

1stsouth.com uses encryption to keep users’ personal information safe and secure. The website uses a 128-bit SSLprovided by cPanel Inc. Certification Authority, which means the owner of the website confirmed its legitimacy.


The company seems to take care of users’ privacy and their lending approach seems responsible – 128-bit encryption guarantees a good security level when applying for a loan online.

Mobile Version

Google Mobile-Friendly Test confirmed that 1stsouth.com is a mobile-friendly website. The website is perfectly suited for users who apply for loans using smartphones and tablets. The website is completely customized to the needs of active mobile users; the desktop and mobile versions can be changed individually for each device. The loading time seems fast.

mobile version

So, if you are an active mobile user, you should expect to have a good user experience when using this website.


Unfortunately, the website has no antivirus. This means one cannot feel 100% safe when using this online platform. You can infect your PC or mobile device with various viruses, spyware, Trojans, etc. For a safe experience, we recommend that you install a good antivirus program on your computer which would prevent identity theft.

Convenience of Use

The website’s design is simple and intuitive. You do not need to create a personal account to apply for a loan – this will save you time significantly. All you need is to choose the desired loan size and click on the “Get Your Loan Now” button on the website’s home page:


The application form requires only basic borrower’s information. The process can be completed online without going anywhere – you can do it from the comfort of your home 24/7. It takes just a few minutes to fill out a short form. As soon as you submit the request, you will get matched with the right lender for your needs. You are not obliged to accept a loan offer and can interrupt the application process at any time. If you are fully satisfied with the loan rates and terms, sign a loan agreement. Usually, it takes no more than 24 hours to have the money in your bank account. In most cases, borrowers can get their funds the same day.

It is convenient that you do not need to fill out endless application forms to find the best loan offer for your case. Here you can submit one single application and get matched with the best lender for your individual case, based ni your income and needs.

Is 1stsouth.com Legit?

Scamadviser helps consumers to discover if a website is legitimate or a scam. The online company confirms the website’s safety.

scam adviser

According to the Scamadviser report, the website has a 100% trust score which is the highest possible score. This means you can safely use this website.

1stsouth.com Reviews

On-site Reviews

The website contains no user reviews. There is simply no testimonial page where users can leave their feedback.

Since the reputation of this online platform remains unconfirmed, we will search for any review posted on independent third-party resources.

Reviews on Third-Party Websites

Regretfully, third-party websites have no 1stsouth.com reviews either. This may be due to the fact that the website is very new. Besides, users prefer to leave feedback on the website of the lender they got matched with, not on loan referral platforms. Should you ever come across any 1stsouth.com reviews, please let us know in the comments below.

Customer Support

Contact Information

The website has a special section devoted to the company’s contact information (which includes phone number, address, work schedule):

contact us

It is a good sign. Each legit and reliable company should provide a legal address and contact information on its website.

1stsouth.com Locations

The online referral platform provides services in Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.

Getting a Consultation

If you have any questions, you can contact the company by calling at 1-888-775-0859. This is the only available contact option – there are no live chat or email addresses anywhere on the website. According to the website, the customer support department is responding to user requests 5 days a week (Monday to Friday).

I attempted to reach the company representative by calling the specified phone number. Fortunately, they picked out the phone immediately and answered all the questions I had. The manager was friendly and polite. Based on this, I conclude that their customer service is great (they value applicants’ time, have a pleasant attitude, and provide honest answers to all questions). But I’d be 100% satisfied if they had more types of customer service (like email or online chat).


1stsouth.com is a loan matching service that seems safe and legal. This website enables consumers to access honest and reputable US lenders and helps find the most suitable loan option. The company is not a lender and does not make credit decisions. It’s nice that users can get matched with the right short-term loan by filling out one single application. I appreciate that requests and processed quickly and many borrowers are able to get the money as soon as the same day. The website uses encryption and has a high trust score from ScamAdviser. I had no trouble contacting their customer support representative. In general, this online platform seems an easy and convenient way to find the best lender for your unexpected financial issues.

Review Content

Recent Reviews

About the Author

Nancy Torrez
Nancy Torrez

Nancy Torrez is a copywriter of many financial posts relating to issuance of payday loans. She specializes in details about online loans. Nancy believes this product will help many Americans solve any financial problems. Nancy has graduated from Business School and has been previously engaged in banking business. She was disappointed by the aspect 8 out of 10 people cannot issue bank loans.

Nancy Torrez is 35, she is married, and has 2 daughters. In every case of human life there are occasions when you urgently need money. If you have no time to analyze the market, you are welcome to read the information presented on the website.