1 Hour Payday Loans: No Hard Credit Check

(in most cases)

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John Brown

John Brown, Financial Analyst

Last Updated:

1-hour payday loans can be a lifesaver when you run into a difficult situation or an emergency. Many of us don’t have spare cash with us at all times (56% of Americans have less than $1000 in savings), so a loan is a good way to change that. If you’re looking for a fast short-term loan, here’s what you need to know about it.

1 Hour Payday Loans: No Hard Credit Check

What Are 1 Hour Loans?

Most financially independent adults have found themselves needing to cover a large, unexpected expense at least once in their lives; because let’s face it, life is unpredictable. But what do you do when your savings are a far cry from your required spending? It’s in those moments that a 1-hour personal loan could prove most useful.

A 1-hour loan represents a decent amount of funds deposited almost immediately into your account, following your loan approval*. While most lenders can take up to 24 hours to grant you access to that money, some of them have been known to do so in as quickly as 1 hour. Being in constant communication with your lender and having all your required documents on hand can definitely help speed up the process.

Ready to give it a shot?

*When a lender funds your account, your own financial institution may delay making funds available to you until the next business day or later. This delay may vary by financial institutions, and is not something that lenders control.

1 Hour Payday Loans: No Hard Credit Check

1-Hour Payday Loan Features and Benefits

Personal loans fall into one of two categories:

Payday Loans

A common solution for average-to-poor credit history, these loans offer between $100 and $1000.

Installment loans

For a fair-to-good credit score, you may receive between $1000 and $5000 with a reasonable interest rate.

Payday loans are, generally, the quickest ones to get approved and deposited into a borrower’s account. They also have the shortest repayment period (2-4 weeks on average).

The benefits of a 1-hr payday loan include:

1 Hour Payday Loans: No Hard Credit Check

Almost Instant Access

Most lenders that provide payday loans will have those funds disbursed almost instantly as long as all requirements have been met. Remember, any offer is obligation-free prior to signing the loan agreement; you can always connect with a different lender and receive other offers if the terms and conditions don’t suit you.

1 Hour Payday Loans: No Hard Credit Check

Bad Credit Considered

While a decent credit history increases your odds of qualifying for a payday loan, bad credit doesn’t necessarily mean you’re doomed. Most of the lenders in our network are willing to accept credit scores in the fair-to-low range. That is because your score isn’t the only factor that matters when getting approved for a loan. Lenders consider a number of factors, such as your income and available collateral as well.

1 Hour Payday Loans: No Hard Credit Check

No Hard Credit Check (usually)

A hard credit inquiry is a full check of your credit history, whereas a soft check pulls less information and does not affect your credit score. In most cases, payday lenders don’t want to do a hard credit check, which can impact your score, until they believe you’ll be a good candidate for their loan products. That’s why most lenders will only do a soft credit check until they are ready to make an offer or approve your loan.

1 Hour Payday Loans: No Hard Credit Check

How to Get 1 Hour Loans Online

Getting a 1-hr payday loan is simpler than you may imagine. First off, you’ll need to meet the following requirements:

  • Be 18 years of age or older.
  • Provide proof of some type of regular income (e.g. salary, social security retirement benefits, supplemental security income, military/veteran compensation or allowance).
  • Have a social security number.
  • Provide a valid bank account for the loan funds deposit.
1 Hour Payday Loans: No Hard Credit Check

Follow the next steps to get started:

  1. Fill out our brief online form.
  2. Once you’ve submitted your request, you’ll be redirected to one of the offers available for you.
  3. If you agree to the terms and conditions displayed, you may accept the offer and get in touch with the lender. Otherwise, you can reject the offer and restart the process from step 1 above.


Can I get 1 hour payday loans with no credit check?

While we’d like to tell you that’s the case, unfortunately lending money comes with an inherent risk that some borrowers will default on their payments. One way for lenders to protect themselves is by assessing your trustworthiness through a credit check. Any private licensed lender will perform one prior to making you an offer.

Is it as quick as 60 minutes?

One of the main advantages of a 1-hour cash advance loan is that the approval process is quick. Some lenders will approve your loan request minutes after the lender receives the completed application. However, many take longer than that. Even if the approval process takes longer than an hour, you can often expect to receive your money as soon as the day you submitted your loan request (depending on when the lender received a completed application, and your financial institution’s rules and practices).

Can you also get loans by phone in 1 hour?

Loans by phone are already history. Their main drawback is that they require too much time and human resources. Try finding lenders online at GetCash.com in seconds and see the difference.

Can I borrow with bad credit?

A poor credit score alone is often not a reason to be denied a loan. Most of the lenders in our network have experience working with a wide range of credit histories. They will simply tailor their offer to your specific case, minimizing their risk while also helping you pay back the funds on time.

When can I apply for 1-hour payday loans?

The process is the same for all payday loan requests, and you may start at any time. Simply submit your form, and answer any additional questions the lender has to take a completed application. Afterward, carefully review the terms and conditions, and then accept or reject the offer. Once you’re in communication with your lender, you may directly discuss your needs for a 1-hour loan deposit with them. In most cases, if everything is in order, this should not be a problem.