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What Is A One Hour Payday Loan?
Any of us can unexpectedly get into a financial emergency and be in need of a same day cash advance. Moreover, the matter can get worse if you’re trying to get assistance with a bad credit score. People usually don’t consider traditional loans to be a good solution for bad credit due to requirements that traditional lenders set. So, how can you get the money in minutes when it seems like nobody can help?
Fortunately, ASAP Finance has a great option to meet your needs: 1 hour payday loans no credit check with direct deposit. Payday loans in one hour offer fast loan approval if you meet some simple eligibility criteria. These loans may help you solve your financial problems in case of any emergencies.
1 hour payday loans are fast cash advances with instant loan approval. You will get a loan decision within the hour after you apply. Once approved, a payday lender will make a deposit to your bank account as soon as the next business day. In some cases, you can also get the money by the end of the same day.
As no traditional credit checks through major credit bureaus are made for 1 hour payday loans, there will be no refusal just because of your credit. Applying for 1hr loans by phone, or in person doesn’t affect your credit history and makes it possible to get financial assistance just by filling out an online loan request form. It makes a quick payday loan perfect for covering urgent needs without lowering an applicant’s credit score.
How Do 1 Hour Payday Loans Work?
Unlike a traditional loan, a 1 hour payday loan can’t be used as a good long-term financial solution. These quick payday loans have short terms, which usually don’t exceed 30 days, and offer loan amounts from $100 to $1,000.
The loan request process generally takes about 5-10 minutes. You should specify your personal data, employment and checking account details, as well as prove your income. Commonly, all you need to apply is a PC with internet access and a few minutes of spare time.
As direct lenders conduct credit checks via alternative means, it doesn’t take a lot to make a loan decision. Lenders usually approve payday loan requests within an hour and send loan offers by email.
If you get approved for a 1 hour payday loan, the direct lender will send you a loan agreement. You must read it carefully to make sure you have an idea about loan terms, rates, and credit implications. If the conditions suit you, you must sign a loan contract.
Finally, the direct lender or lending partner will deposit the funds to your active bank account as soon as the next business day. On the due date, typically by your next paycheck, you must repay the loan amount plus interest rates and fees to the lender. This is an automatic process. You don’t need to leave your home or take any additional actions.
Thus, cash loans wired in 1 hour are not exactly what they seem to be. A 1 hour loan is a payday loan online that allows you to get a loan decision within an hour. Unfortunately, payday lenders can’t guarantee they will transfer you money in one hour. The exact term depends on how fast your verification process will be.
When Should I Get a 1 Hour Payday Loan?
As all short-term loans are pretty expensive and have limited terms and loan amounts to borrow, they can’t meet your long-term needs. 1 hour payday loans are considered one of the best options to overcome financial difficulties. You may take advantage of online loans if you need to cover:
- The cost of repair works;
- Outstanding debts;
- Medical expenses;
- Rent payments;
- Other daily expenses.
Is It Possible to Get a Loan in 1 Hour?
Although, in some cases, online lenders may transfer the money to an active checking account within a few hours, no one can guarantee it will be your case. Unfortunately, payday lenders don’t have much influence on the enrollment terms. Commonly, you will get the funds as soon as the next business day or sooner. It depends on the speed of your verification process as well as the time and the day you apply.
Are 1 Hour Payday Loans No Credit Check Available With Bad Credit?
Online payday loans are available even with poor credit. Direct lenders usually don’t pay much attention to your payment and credit history. A cash lender performs only a soft credit check to see if you will be able to pay off your one hour cash loan. As it doesn’t check your credit report details through main credit reporting bureaus, applying for a cash loan online also doesn’t affect your credit score.
Major Features of One Hour Payday Loans
One hour loans may be your best choice for borrowing money without hard credit checks. Here are the main features you should know about 1 hour loans before applying:
Online loans are really fast. Getting a loan decision from direct lenders usually takes even less than hour after submitting your loan request;
A 1 hour payday loan will be funded in your active checking account as soon as the next working day; Bad credit OK.
No credit check loans, such as 1 hour payday loans, are available even with bad credit. There is no denial based on your previous payment history;
You can spend the money you get for any purpose;
Online lenders typically don’t perform credit checks through main credit bureaus. That is why getting a 1 hour cash advance doesn’t affect your credit score;
1 hour loans usually have a repayment period of up to 30 days and the maximum loan amount of up to $1,000;
Fast cash loans mostly come with high interest rates. It may come to $30 per each $100 borrowed.
Requirements for Getting a 1 Hour Loan
A 1 hour payday loan is generally easy to qualify for. Payday lenders try to simplify the online loan application process to make it more suitable in case of emergencies. If you want to apply for fast cash loans, you must meet the following criteria:
- Be at least 18 years old;
- Keep your bank account active;
- Have a valid phone number and email;
- Be a resident of the US;
- Provide us with your personal and income details;
How to Apply for a One Hour Cash Advance from a Direct Lender?
The application always starts with filling out an online request form on our website. An online loan application usually takes about 5-10 minutes to submit. Wherever you are, you may do it from the comfort of your home. Although ASAP Finance is not a direct lender, we’re working with a huge base of trusted and direct loan providers who are eager to help you overcome any of your financial problems.
Why Choose ASAP Finance?
Doing business with us is fast and easy! Our mission is to surround you with strong financial support by providing one hour loans and other various loan options to meet each and every need.
Whatever your problems are, online loans are here to help you solve them all. Make sure you understand all the terms and conditions before applying or contact us with any questions you may have.
Applying for a one hour payday loan online with us is fast, safe, and easy. Fill out an application form on our website and get a guaranteed loan decision from our lending partner within an hour!
Frequently Asked Questions
How Fast Can I Get a One Hour Loan No Credit Check?
In most cases, lenders deposit the funds to your account as soon as the next working day. If you need to get the money faster, try to apply early in the morning on the weekday.
How to Repay an Online Payday Loan?
The lender will automatically withdraw the initial amount plus interests and fees from your account. There is no additional action required.
Unemployment Payday Loans - Is It Real?
Short-term loans usually require some proof of your income. However, you don’t have to be employed to get one. No employment borrowers still can apply and get one hour payday loans by the end of the next working day if they are on alimony, social or disability benefits, self-employed, or have any other stable source of income they can verify.
Should I Apply for One Hour Payday Loans With Bad Credit?
A payday loan in an hour is available with any credit. If you face some financial difficulties and need our help, you’re always welcome to apply. But make sure you know all the pitfalls of getting an instant cash loan in 1 hour before signing a loan contract.