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1 Hour Payday Loans


1-Hour Payday Loans Overview

The term "one-hour loan" is, usually, used to describe short-term (a.k.a. payday) loans provided by non-banking lenders. These loans are known for very fast approval. As a rule, a borrower gets an answer within one hour from the moment of submitting an application. This is where the name "one-hour payday loans" originates from. However, actually, borrowers don't get the cash immediately, as it takes approximately 24 hours to process a transaction.

Who Needs One-Hour Loans and Why

The main feature that makes 1hr payday loans different from other types of loans is a simplified procedure of approval. Thanks to this, you get the money very quickly and without an annoying credit check. But this convenience is compensated with their high cost. Payday loans are expensive, so it makes sense to use them only when you are in urgent need of money or can't obtain a traditional bank loan.

Are Payday Loans in One Hour Available with Bad Credit?

Bad credit can become an annoying obstacle on your way to a bank loan. Banks tend to reject applications of bad-credit customers by conducting a "hard" credit check. With 1-hour payday loans from direct lenders, you can stop thinking about your credit score, as it doesn't influence the probability of approval. Non-banking lenders welcome bad-credit borrowers if they can prove their income in any way. 

1-Hour Payday Loans with No Credit Check: How They Work

A credit check is a mandatory stage of application processing when you are taking out a bank loan. A bank sends requests to three credit bureaux to find the details of the borrower's credit history. This makes the process rather time-consuming: one application can be reviewed for a week or two. As for 1-hour loans by a direct lender, they are issued under a simplified procedure. The stage of credit check is, usually, skipped, which speeds up the process greatly and increases the attractiveness of 1-hour loans.

Can the Unemployed Get Loans in One Hour?

Although direct lenders, in most cases, refuse the procedure of credit check, you still need to prove your income. As a rule, employment verification is required. Officially, the unemployed are not eligible for loans of any type. However, some lenders use an individual approach. They can request alternative information to confirm your credibility. This is why, even if you are not employed right now, you may still try your luck at some lending companies.

Who Is and Isn't Eligible for 1-Hour Payday Loans with No Credit Check

To get a loan in one hour one needs to comply with the minimum eligibility criteria. Happily, they are not numerous and easy to meet. At the very least, you must be an adult citizen of the USA. It means, you must be 18 years or older and have a valid US passport. Importantly, you must be able to prove your income in any way. Finally, you must be able to provide some basic papers, such as an SSN/driver's license. Needless to say, you must have a valid checking account in any commercial bank.

The Best Place to Get Payday Loans in 1 Hour

Nowadays, 1hr payday loans are provided by numerous lenders. The question is how to choose the best company: honest, reliable, and with adequate rates. To make the right choice you need to make a brief analysis before applying. The main things to consider include the annual percentage rate, the loan term, the minimum, and maximum loan size, and the lender's reputation. If you have no time to make in-depth market analysis, you may use our service to choose the right lender. 

Why Choose Us

We are an independent service engaged in collecting and processing information about private companies providing payday loans in 1 hour. We don't promote any particular lender; instead, we help our customers to choose a company that meets their special needs in the best way. Yes, we get a small reward for every one-hour payday loan issued through us, so our goal is to attract as many clients as possible and make them stay satisfied with the service. If you don't know what to begin with, check the top-list of direct lenders recommended by other users.

How to Apply and Get a Loan in 1 Hour

What we offer is a smart and simple system of online applications. No matter what lender you opt for, you need to fill out a small, standardized online form to specify your personal data. It takes just 10-15 minutes to prepare an online form and submit an application. The procedure is carried out online, which adds convenience. The average time of getting approval for payday loans is one hour. 


I have a low credit score. Am I eligible for payday loans in 1hour?

Your credit score doesn't matter. Payday loans are available to all adult employed Americans.

What is the maximum term of payday loans?

It depends on several variables. Usually, the repayment period varies from 2 to 6 weeks.

How much can I get?

The maximum loan size varies from one state to another and from one lender to another. Commonly, payday loans do not exceed $1000.


The possibility of getting fast loans in 1 hour is great when you need cash urgently. It allows you to resolve your small financial issues almost instantly. Keep in mind, however, that payday loans won't solve your troubles in the long run. Be reasonable and use this financial tool to address short-term problems only.

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