- Fast & professional service
- Good credit is not required
- Get $100 - $1000 cash loan
- Receive cash the next business day
- Use your money any way you want
1) FormRequest a loan in minutes by completing our simple online form. As long as you fit the criteria, you'll be connected with a lender who can give you a loan.
2) ApprovalWait just a few seconds for the approval decision on your request. The lender will then contact you with more information and the terms of your loan.
3) MoneyYou will now be able to receive your cash. The bank details you've provided will be used to deposit the funds into your bank account the next business day.
1 Hour Payday Loans: Bad Credit Accepted
If you've found yourself in a financial emergency and have been searching for 1 hour payday loans, you probably need cash fast from a direct lender. The good news is that our service can help you borrow between $100 and $1,000 and the online process is quick and easy.
Do 1 Hour Payday Loans Exist?
First off, it's important to understand that the term "one hour hour payday loan" can be used by shady websites to entice borrowers and is not a realistic prospect for most lenders. We don't like to make promises we can't keep, so cannot claim that you will receive money within an hour, but that doesn't mean you can't get loans online quickly.
Decision within one hour
Our loan connection tool could connect you with a direct payday lender in a matter of minutes, and if you're approved, you could see the money in your account as quickly as the next morning if you apply during the working week.
You won't get the money in an hour, but as long as your application goes smoothly, you'll almost certainly get the lender's decision within an hour.
It doesn't get much faster than that!
How payday loans work
Payday loans are one of the simplest and most helpful types of loan available. They're designed to support people in immediate financial trouble, who don't have access to any other funds until the next time they are paid. That's why they're sometimes called cash advances.
Lenders lend you the money for a short period, usually no longer than 30 days, on the agreement that you pay them back in full with your next round of wages or salary payment.
Of course, that means you shouldn't take out a payday loan for a large sum or loan term financial problems, but it does mean you have a solution if you're in a temporary financial emergency or have made an error in your monthly budget.
Because it's such a short-term commitment, the only interest you pay comes in the form of a flat finance charge that's expected at the same time as the repayment. While this is comparatively a high interest rate, because the loan is only outstanding for a few weeks it doesn't reach the levels of a long-term bank loan.
The lenders in our network are very flexible, offering between $100 and $1,000, and will never ask what you need the money for. They also do not require any collateral, so you won't risk losing your car or home if you struggle to make repayments.
What's more, if you're approved during the working week, you could get the funds the next morning by direct deposit!
Is there a credit check?
If you're searching for 1-hour payday loans, you're probably at your last resort and have been rejected by banks and other large lenders. The good news is that because payday loans are for relatively small sums of money, you stand a good chance of being approved.
Furthermore, while all lenders reserve the right to carry out some form of credit check, there is no policy to automatically reject applications because of a poor credit history.
Our lenders believe everyone deserves a second chance and this means they'll take in to account your employment information, income level and other details before making a final decision. Borrowers with bad credit are routinely able to obtain payday loans through our service.
How to qualify
To ensure your application is likely to be considered by a lender, you should meet the following checklist before applying:
- Be at least 18 years old, as lenders cannot provide loans to minors.
- Be a legal United States resident with a fixed address where you can be contacted.
- Hold a basic checking account in your name, where the loan can be deposited and repayment taken. (This also helps to verify your application).
- Earn at least $1,000 per month from full-time employment, self-employment, or other stable source.
Note: Payday lending is legal in most US states, but regulations can vary in terms of the amount you can borrow, the interest charged, and whether loans can be renewed or extended. As we are not a lender or lending company, the specific terms of your loan will be agreed on the lender's own page.
If you have any questions following an application, you should contact the lender directly. We do not have access to your loan offer or agreement.
Difference between Installment Loans and Payday Loans
The main difference between an installment loan and a payday loan, is that an installment loan is repaid over a much longer period of time in installments. A payday loan is repaid within one month in one lump sum.
Because of this difference you can typically borrow much more money with an installment loan. However, the total amount of interest paid will be higher because there is a charge with each installment. The actual interest rate on a payday loan is higher than an installment loan, but this is only paid once.
It's typically easier to be approved for a small payday loan than a large installment loan as this is a bigger overall financial commitment.
Payday loans are designed to help you with temporary financial hiccups, while installment loans are designed for bigger financial undertakings.
When an online cash advance might be useful:
Here are just some of the scenarios when a payday cash loan would be useful:
- When facing an unexpected utility bill.
- To pay for car repairs after a freak accident.
- To fund emergency travel costs.
- If you made an error in your budget this month.
- If you want to make a purchase right now, but have spent this month's wages.
- To pay for your child's school trip.
- Upgrading your wardrobe for a job interview.
- To cover the deposit on an apartment.
When to avoid payday loans:
- To repay existing loans or debt.
- If you need longer than a month to make the full repayment.
- If you've lost your job.
- If next month's wages are already needed to pay for other things.
- If you have a credit card with a lower rate or can borrow from friends.
If you are struggling with debts, we advise seeking out a professional credit counselling service before applying for a payday loan.
How our users find us
Our users come to us for a number of reasons, but usually it's because they don't have access to credit cards or other forms of credit and can't turn to anyone else to borrow the money. The banks and larger lenders can afford to reject people outright because of past credit problems, whereas our lenders believe everyone deserves access to credit in an emergency.
The typical user is not someone in a massive amount of debt. They're facing the same problems we all face from time to time - a bill is due that they weren't expecting, they don't have quite enough money left to pay the rent, or their car has broken down out of the blue.
All they need is a small loan, deposited quickly, to tide them over until payday. Our loan connection service can help anyone find just that!
What's more, if you have struggled with a poor credit rating, successfully repaying a payday loan can start you on the road to rebuilding your credit as it is a sign to other lenders that you are responsible.
Here's how it works...
The Easy Application Process
The application process can be completed quickly and easily online from any device with a web browser. Gone are the days of filling out a paper application form and waiting for days for everything to be finalized.
Loan connection tool
To get started, simply use our loan connection tool - select a loan amount between $100 and $1,000, give us your name, email, and personal details, and we'll do all the har work for you.
We'll pass your information through a network of over 100 payday lenders, and we'll aim to connect you with one of these in a matter of minutes.
If connected you will then be re-directed to the lender's own page where you can complete the loan application.
Each lender might have a slightly different internal approval process, but if you have completed their online form an attached any required documentation you will know on screen if you have been approved and the offer they are willing to make. For most people you will know within an hour if you have been approved.
Your loan terms and loan offer
The exact amount you will be offered as well as other terms like the interest rate, are determined by the lender at the time of your application and can vary based on the information you provide, their internal criteria, and local state law.
By law each lender will provide a full copy of the terms and conditions in digital form prior to the signing of the agreement. This means you will be aware of the exact amount you are borrowing, the fee that needs to be paid on top of the loan, and when the repayment is due.
Note: If you have changed your mind or do not agree to the terms you can end the process at any time by closing the application window. The loan is only legally binding once you have digitally signed a contract with the lender.
Will cash be wired in 1 hour?
No, usually lenders will begin the direct deposit process right away, but the fastest the funds will reach your bank account is the next morning during the working week. Please allow extra time for weekends and other bank holidays.
During the application process you will be asked to provide the details of your bank account. This allows the lender to verify your identity and application, but will also be where the loan is deposited. Repayment will also be automatically taken from this account on the agreed upon date, so remember to ensure the required funds are there to cover it.
There's no need to write a check or carry out a manual payment.
Failing to make the repayment on time could result in extra fees. Failing to repay at all could result in collection proceedings and a negative impact on your credit score.
Remember: Even though payday loans are easy to apply for, they are still an important financial obligation.
Benefits of Applying Online
You may be wondering why you should apply online when there are storefront lenders in your town.
The most obvious benefit of an online loan is that it's quicker. You don't have to wait in line to see a member of staff, there's no physical paperwork to fill out, and everything can be finalized within an hour - you don't have to wait for confirmation through the post.
Simply pull up our website using your phone, tablet, or any other internet-connected device and you can apply from the comfort of your couch.
What makes our service even more efficient is that we streamline your application through a network of over 100 lenders, meaning you don't have to go through the trouble of applying one by one, risking rejection and opening yourself up to multiple searches on your credit report.
All of our lenders are fully licensed to issue payday loans within the United States and we use encryption to ensure your personal data is secure.
Why payday loans can be good for your credit
There are a lot of misconceptions and scare stories about payday loans because some lenders have been unethical in the past, like promising 1 hour payday loans. One myth is that they are bad for your credit score.
The truth is, if you are considering applying for a payday loan, you probably already have a poor credit rating because you mishandled traditional loans or credit cards in the past. This is why you are rejected by banks and large lenders.
The way in which payday loans impact your credit is not much different than any other loan product. If you fail to make repayment this could be recorded on your report and negatively harm your score and if you make the repayment this could positively impact your score.
If you cannot get any other form of credit, a payday loan may actually be your only way to rebuild your credit score.
The only real difference is that some payday lenders do not use the big credit rating agencies like Experian, Equifax, or TransUnion.
Why choose us?
- We don't charge you a penny to use our service.
- We save you time from applying with individual lenders one by one, because we tap you in to a network of 100 ore more lenders right away.
- We could connect you with a lender in a matter of minutes and they will make their decision within an hour.
- Our lenders are full licensed and accredited within the United States and do not use misleading language like guaranteed approval, or no credit check.
- We send you to direct lenders, no middle men and no third party.
- Complete the entire loan process online with your phone or tablet.
- We use industry standard encryption technology to protect your data, and we never pass on or sell you details to third parties outside the lender network.
Remember The 3-step Process
- Use our loan connection tool to get started and we could connect you with a lender in a matter of minutes.
- Complete the application on the lender's page for a 1 hour payday loan decision.
- Digitally sign the contract and you could see the cash in your account within one business day.
So, what are you waiting for? If you need emergency cash with fast approval and deposit - get started today!