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What are 1-hour payday loans?

You may find you need cash urgently and it would be great if you could get in the next hour. This would be great but is very unlikely. 1-hour payday loans refer to the maximum time it will take for you to complete and submit your online loan request and get an answer if you are approved. The reality is this usually takes less than 10 minutes total.

However, if approved, your lender will immediately call you and take 15 minutes or so to go over your terms and conditions of the loan. Funding is normally in one business day. On weekdays that means the next day except for holidays.

The whole process can be done from your smartphone, pad, or PC. It is very fast, safe, and secure, and you can apply 24/7 and 365 days a year.

When may you need a 1-hour payday loan?

When you have a cash shortage emergency is when you will likely need a one-hour payday loan. You may have car repairs that must be done, a bill you must pay, groceries for your family, or whatever the need until your next paycheck comes. Usually, these are small loans under $500 but can be as high as $1,000.

One-hour payday loans have high fees, typically from $15-30 per $100 borrowed. So, you do not want to use these loans as a regular financial tool.

Traditional loans like bank loans are more difficult to qualify for, and you have to wait weeks to get your money. Many people simply cannot get a traditional loan or new credit card, or other types of loans.

1-hour payday loans are a great option for borrowers with poor or bad credit who need help right away. If you need a small, short-term bad credit payday loan in one hour to cover any emergency situation, then these loans may be the best choice.

Requirements to get 1-hour payday loans from direct lenders

Although requirements vary from state to state based on current laws, some basic criteria are consistent across most states. For example,

  • You must be employed and have an income of $1,000 a month or more,
  • You must have an active bank checking account for depositing your loan,
  • You must be a resident of the U.S. (legally),
  • You must be at least 18 years of age,
  • You must have a working phone (like a cell) and email so your lender can contact you.

That is all the critical requirements. Your direct lender will ask you any other questions if needed.

Benefits of 1-hour payday loans

  • Instant decision on loan approval

    1-hour payday loans are exceptionally fast! Once you complete your online request form and submit it, you will get an answer from a direct payday lender in seconds (usually 5-60 seconds). If approved, your cash is deposited into your bank account the next business day.

    Unlike a bank or traditional loan, you do not need to explain your reason for your loan, and you do not have to provide any collateral. And we protect your information carefully using the latest encryption technology!

  • Easy loans processed in less than 1 hour

    1-hour payday loans with no credit check are available to most Americans. Most people are eligible. No hard credit checks are performed. Why? Because lenders have found that your recent and upcoming income is a much better indicator of your ability to repay your loan. Credit scores do not help in this aspect.

    You can take a few minutes to complete the short, easy online payday loan application form and get an answer fast. Just enter the amount you need from $100 to $1,000 and get a loan approval decision from a direct lender.

  • No credit check cash advance in one hour

    As mentioned above, we know it is hard to get a loan when you have poor or bad credit. But do not worry. 1-hour payday loans with no credit check are not only available but are quite common. Most direct lenders report that more than half of all loans they provide are for people with poor or bad credit.

How to get 1-hour payday loans with no hard credit check?

What does no hard credit check actually mean? It means that one-hour payday loan direct lenders do not get hard credit checks from the big 3 credit bureaus. In turn, this means your credit or FICO® scores are not affected. It also means your direct lender does not report back to the credit bureaus when you pay your loan.

Our direct lenders only consider income data and some other database info for 1-hour payday loans.

Why choose CashOne for your 1-hour payday loan?

For over 15 years, we had helped more than 500,000 Americans when they had emergency cash needs. Open 24/7, and 365 days we are always there for you. We have always focused on referring you to over 120 great direct lenders. We do this because we know it greatly increases your odds of approval and has resulted in our stellar approval rate of over 80% over these years.

In this manner, you do not have to drive around wasting time and gas trying to find one storefront at a time. You just complete our form one time for your 1-hour payday loan, no credit check!

We use encryption technology to protect your data and go the extra mile by deleting your sensitive data within one month after requesting a loan. Most other providers SELL your data to others, and you get bombarded with emails or calls.

1-Hour Payday Loan FAQs

Is it possible to get unemployment payday loans in 1 hour?

You will not get any loan actually in your hand in 1 hour. But if you are getting unemployment benefits, you may still qualify for a loan. Complete the request form and get started.

Can I get a one-hour payday loan without a direct deposit?

In most cases, you cannot do this. It is possible in a few states with storefront lenders that a storefront may give you cash directly, but even storefronts normally require an active checking account.

Where do I get a no fax 1-hour payday loan?

Right here! None of our direct lenders require faxing. Faxing is really only required with traditional lenders. We think it is an outdated and impractical way to get information.

How can I get a 1-hour loan with bad credit instantly?

While you can get a 1-hour payday loan quickly, you cannot get your cash instantly, even with bad credit. Anyone promising an instant cash deposit is deceiving you. But you can get your cash extremely fast the next business day. In rare cases, if you apply very early in the day on a non-holiday weekday, you can get cash the same day. But not all lenders will provide this service. If you apply and are approved, you can ask your lender if this is possible.


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