1-Hour Payday Loans

We make it easy to request a 1-hour payday loan from 100's of online loan lenders and get an instant loan offer in less than one hour.

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What are 1-Hour Payday Loans?

1 hour payday loans are small short-term loans which are approved online in one hour or less. These loans require no collateral and thus are unsecured personal loans with instant decision. One hour loan is a great solution when you need emergency cash which you know you can pay back on time. High interest rates make these loans overly expensive if used for longer periods.

Some borrowers believe that a 1-hour loan means that you can get the loan approved and deposited directly to the bank account within one hour. Unfortunately, this is not the case. Most loans are funded the next business day, or the same day if certain conditions are met.

What do I need to get a 1-hour payday loan?

Here are the main requirements you must meet to be eligible:

  • 3 months present employment proof.
  • ID as proof of citizenship.
  • Must be above eighteen years of age.
  • Must have a $1000 net income after deduction of tax.
  • Personal email address.
  • Valid and active bank account
  • Your phone number

Is it possible to get a loan online in 1 hour or less?

No, there is no such thing as online loans funded in one hour or less. It takes time for the lender to

  1. review your application if it meets lender's criteria,
  2. verify your information,
  3. get additional information if needed,
  4. approve the loan and send an agreement,
  5. wire the money if the agreement has been signed.
You, however, can increase your odds of getting a 1-hour loan approved and funded faster if you prepare all the documents in advance and make sure that you meet the main criteria. Using services like 27 Cash Advance makes it easy to request an online loan from 100's of lenders using one simple application form.

Can I get a 1-hour loan with bad credit?

Of course. The borrowing process for people with bad credit is the same, you apply online to get a decision in less than 60 minutes, provide all required information and documents, if approved you get the funds within 24 to 48 hours.

Bad credit, however, means that you might get rejected by all lenders or that you will get a more expensive offer for a high-interest payday loan. As an option, you can improve your credit score which takes months, or consider taking a secured loan instead.

How to get a $500 loan in 1 hour?

There are several alternatives to online lending if you want to get an actual loan in an hour or less.

Local offline lenders

Try visiting a nearby loan store to get a $50 to $500 loan with no collateral. This might be a more time-consuming method since you have to visit the store physically and take all the paperwork with you. Still, there is no guarantee that you will get a loan if you have a bad credit score or no credit history to prove your creditworthiness.

Pawn shops

Any valuable collateral can be used to secure a 500-dollar loan at a pawn shop. In this case your credit history is not important, but the risk is that you can lose your collateral if you fail to repay the loan on time. Keep in mind, that pawn shops can give you a loan of up to 25% of collateral's market value.