1 Hour Payday Loans No Credit Check | [year] Guide

The term 1 hour payday loan no credit check can vary depending on what lending service you have chosen to apply for a loan.

Typically, a 1 hour loan requires no credit check and is approved within an hour from the moment of submitting your application.

It can also refer to the case of having your account funded within an hour from receiving loan approval. What are 1 hour payday loans and how you can qualify and apply without a credit check?

These are some of the questions that we will answer so you can decide if this is the right loan for you.

Before you start any loan application, you should know your credit score. Start here


What are 1 hour payday loans?

A 1 hour payday loan is a type of loan that is usually approved within an hour from the moment of applying. However, it can be the case that 1 hour loans involve funding your account within an hour from receiving approval for your loan.

With some lenders, you may get approved or receive a decline notice within an hour and get your bank account funded within one business day or the same day.

What is a payday loan?

Payday loans are one of the most common types of loans and are secured with your regular income. Payday loans don’t require collateral as your monthly paycheck is enough insurance for the lender that you will be able to return the loan and pay your rates regularly.

Payday loans are usually given out easily, which makes them suitable for people with bad credit and active loans. Some lenders can offer payday loans without a credit check, which means that your credit score is not taken into consideration.

That also means that less paperwork is involved, providing you with the loan you need in an hour or a day.

Do 1 hour loan providers exist?

There is a great number of 1 hour loan providers online, which includes independent lenders that you can connect with across platforms that provide peer-to-peer lending services.

Many online lenders offer emergency loans and payday loans, so you can get approved within a single business day, while some lenders can get you approved for a loan within an hour.

The waiting period depends on your data and financial information as well as the application process that can be different from one lender to another.

Pros and Cons of 1 Hour Payday Loans

1 hour payday loans usually take no more than 5 minutes to apply unlike more traditional types of loansOften higher interest rates in comparison to other types of loans
This type of loan has minimal requirements in comparison to other loansThe loan doesn’t affect your credit score, which means it doesn’t help you build your credit
Fewer qualification factors than other types of loansPayday loan to your name allows the lender access to your bank account as your rates are automatically deducted from your paycheck
Quick approval – it can take less than an hour for you to get approved for a loan 
No collateral required 
No credit check process 

What are the easiest online payday loans to get?

The market of online lenders has an array of different lending services and offers, so borrowers can choose the lender with the best rates and most attractive terms of the loan.

Here are some of the most popular choices among online lenders:

M1 Finance

M1 Finance is one of the top-performing companies that offer financial services, including investments and loans. In case you are investing with M1 Finance, you can get approved for a loan that reflects up to 40% of your portfolio. The company offers competitive rates, starting from 2% and going up to 3.5% on certain loans.

Bad Credit Loans

Bad Credit Loans is an online market of lenders that connects borrowers to lenders who can get them approved for a loan with bad credit and no credit check. You can borrow from a couple of hundreds to $10,000, while it should be easy to find a lender for a payday loan with no credit check.

Zippy Loan

Zippy Loan is another lending service that connects borrowers to lenders based on application details. The application is simple, while you are then connected to lenders who may be able to grant you a loan within an hour based on your employment status and regular income without placing collateral or having your credit checked.


Bankrate offers personal loans for borrowers, including bad credit, no credit check loans, emergency loans, and payday loans. Bankrate is a consumer finance company and is a subsidiary of Red Ventures since 2017. Bankrate is based in New York and offers fast approval and competitive rates for borrowers, even with bad credit.

24 Cash Today

24 Cash Today might be among the fastest online lending services that offer loans for borrowers with bad credit. 24 Cash Today also offers payday loans that are approved promptly.

You can apply on the official website and get approved for a payday loan with bad credit or no credit check. The service offers same-day funding and a nearly instant loan application process.


MoneyMutual helped many borrowers with bad credit and poor credit scores get approved in less than 24 hours.

If you have a financial emergency that needs to be addressed, MoneyMutual can connect you to independent lenders and lending services that can grant you several types of loans, including 1 hour payday loan, within an hour.

Cash USA

Cash USA is a lending platform that operates based on the peer-to-peer model, that way creating a major market of lenders and providing borrowers with more choices.

You can apply with Cash USA, and you will be connected to lenders based on your application form and the data you provide with your loan request. The platform is rather transparent when it comes to APR, so borrowers can check interest rates before they apply.

Personal Loans

Personal Loans is an online lending service that makes it easy for users to understand different types of loans and to choose the best terms of the loan by listing transparent conditions and APR. Personal Loans can offer up to $35,000 on personal loans.

ClearView Loans

ClearView Loans might be one of the best choices for quick-approved short-term loans. ClearView Loans connects users to independent lenders who offer different interest rates and terms of the loan.

You can get approved for an emergency loan, a payday loan, and other types of loans for amounts between $100 and $5,000. You can get approved for a loan and have your account funded within the same day.  

Can I get a 1 hour payday loan without a credit check?

Many online lending services and platforms offer loans without a credit check, No credit check loans are popular among borrowers with poor credit scores and bad credit, while these service providers usually offer payday loans without a credit check.

Your payment acts as insurance that you will regularly pay your monthly loan rates, which is how no credit check is required to get you approved for a loan.

Can I get a payday loan with bad credit?

The market of lenders and lending services is expanding to meet all sorts of needs, becoming more flexible when it comes to offering loans to borrowers with bad credit.

People with bad credit can usually get approved for a payday loan and secured loans that include collateral.

Moreover, many lending platforms and markets can help you connect with lenders who offer special loans for borrowers with bad credit. However, higher interest rates may apply for borrowers with poor credit scores and bad credit.

Where to apply for a 1 hour payday loan?

You can compare various online lending services and find the best based on interest rates, terms and conditions of the loan, your qualifications, and the amount you want to borrow.

All online lenders offer straightforward application forms that you can fill out and submit in minutes. One of the top lending services that offer 1 hour payday loans is 24 Cash Today.

You can also compare 24 Cash Today with other lenders we have listed previously and do your research on more lending platforms that can grant 1 hour payday loans, such as Payday Champion and Green Day Online.  

How to apply for a 1 hour payday loan?

The application process for a 1 hour loan depends on the lender you chose.  All online lending services will provide an application form that you can fill out in minutes and submit with your loan request.

The lending service will usually ask you to disclose the following information:

1. Valid ID document

2. You need to be older than 18

3. Employment status

4. The reason why you are applying for a loan

5. Bank account

There are usually no credit checks performed for 1 hour payday loans since your loan is secured by your regular income. You are likely to get approved within an hour, while some lenders may take up to 24 hours to approve your loan and fund your account.

Do I qualify for a payday loan?

To qualify for a payday loan, you need to be employed in the first place, while the lender of your choice will also ask you to disclose your employment status and your income. To qualify for a payday loan, you need to match the following requirements:

1. Be older than 18

2. Have an active bank account or a checking account

3. Have a regular income

The requirements are straightforward and minimal and there are no credit checks involved when taking a 1 hour payday loan, and payday loans in general.

You can qualify for a payday loan even with bad credit and a poor credit score.

Can I get approved for a loan instantly?

Yes, you can. Many lenders will loan your account instantly after you get approved for a loan, while it may take at least an hour to get an answer on the status of your loan application.

Some credit unions and banks can get you approved for a loan in 15 minutes, however, your account may not be funded instantly.

Can I get a 1 hour loan on the weekend?

A great number of direct and independent lenders also operate on weekends. You can apply for a 1 hour payday loan over the weekend as well and still get your application approved in a matter of an hour.

However, it may take at least one business day to fund your bank account. Some banks and credit unions also work on Saturdays, so you can apply over the weekend and get your approval the same day. 

Online lenders might have an advantage here in case you need an urgent loan approved over the weekend, as most work 24/7.

Should I use direct lenders for 1 hour payday loans?

Direct lenders like banks and credit unions can also be a great choice for 1 hour payday loans in case these financial service providers offer such loans.

Your choice should depend on the most favorable terms of the loan and the waiting period in the process of applying for a loan, as well as other important terms and conditions such as the repayment period.

Research banks and credit unions and compare them with online lending platforms and independent lenders that you can find in various loan marketplaces such as Bad Credit Loans, for example.

When does it make sense to get a 1 hour loan?

There are many reasons to apply for a 1 hour loan, and one of the most common reasons that make sense is emergency expenses and urgent matters that require cash that you don’t have.

You will be asked to disclose the reason why you are applying for a loan as a part of the application requirements, and the best is to always tell the truth as both parties can benefit from transparency. Borrowers with bad credit and regular income are some of the top users of 1 hour payday loans.  

1 Hour Payday Loan Alternatives

One of the biggest downsides of getting a 1 hour payday loan is the fact that this type of loan can’t help you improve your credit.

On the other hand, you can get quickly approved for a loan, even with bad credit. If you are looking for a solution similar to payday loans, these are some of the most common options that many borrowers opt for

· Bad credit personal loan

· Low-interest credit card

· Home equity line of credit

· Home equity loans

· Emergency loans

1 hour payday loans are still a great way of getting quickly approved and promptly funded when in need, especially if you have a proper and regular income.

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