Can I Get a 1-Hour Payday Loans No Credit Check?

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Need fast cash? Don't want your poor credit to get in the way? No problem...

Life is hectic, and sometimes it throws you a curveball that means you have to loan cash fast. It happens, and when it does you may find yourself scrambling to find the fastest cash loans available. Emergencies don't wait. Here at Loanza, we work with top direct lenders in the USA. We can help you get quick funds from companies that are designed to save the day. Whatever the financial emergency, a fast loan can help you solve it as quickly as possible.

If you're looking for a fast payday loan, Loanza can help. If you need cash fast why waste hours on the internet, when we can help you with your loan search? What in fact we can say, is that your loan request can be submitted within minutes, and if successfully connected to a lender, your request can be approved by them within an hour, sometimes even in a matter of minutes! Whether your loan will be a same business day deposit, perhaps even within an hour of approval or next business day, it depends on your bank and your lender. Since your bank is a major player here, no lender can promise to offer 1-hour payday loans. Don't forget that!

What are 1-Hour Payday Loans?

Payday loans are short-term loans for small amounts of cash, usually no more than $500. They are designed to be used in emergencies and as the name suggests, repaid on your next payday. This type of loan was traditionally designed to give us a helping hand to tide us over when we are started for cash before our next payday. You are given a cash advance lump sum to be repaid with interest within 7-31 days. The loan market has expanded rapidly over the years and you will now find that some payday loan products allow you to borrow higher amounts of money for longer periods.

If you go to a storefront lender and request a payday loan on the spot, the paperwork involved will take longer than 1 hour. The staff at the payday loan shop have to review your request and verify your information and identity before they can get you the funds you need. In most cases, it will be ready for the next business day.

A 1-hour payday loan is one which promises that, on approval, you will get access to the cash within 1 hour. However, this is often nothing more than an empty promise. 1-hour payday loans are somewhat a myth. There are loans available very fast, but 1-hour payday loans are rare and definitely cannot be guaranteed.

If you need a cash loan fast it's practical to use an online lender, broker or service provider (like Loanza) to make the process faster. Loan requests can be verified and approved and you can get a decision in as little as 90 seconds. When approved, online loans are often deposited the next day or next business day and some lenders could be able to loan fast cash with same day payoutIn a few cases, you might be lucky enough to get the money within one hour. But please, don't count on this. We would never say we offer 1-hour payday loans, as this would be misleading. Hold all lenders, brokers and service providers to the same standard.

While payday loans online with the same day payout can be available, it's best for you to be aware that they cannot be guaranteed. Occasionally your loan will be approved within the hour but it could take until the next business to access your cash. Always read the fine print - and while you're at it, make sure you understand the repayment terms and APR. A 1-hour payday loan is a bold promise. Remember they may need to request further information to proceed with your application or that, on occasion, bank deposits take a few hours, sometimes even a day to clear.

Looking for a fast payday loan?

We can connect you to a trusted lender in minutes, even if you have bad credit.

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Can I Get a One-hour Payday Loan With No Credit Check?

If you need a loan of cash fast, then you don't want existing bad credit to get in the way. You want the fastest cash loan available, no questions asked. The thing is, while 1-hour payday loans may or may not exist in the marketplace, unfortunately, there is no such thing as a 'no credit check' loan. Fear not though, if you need a short term payday loan you can still get one. Payday loan direct lenders already know that if you're searching for "one hour payday loans" or "same day payday loan", chances are you have a poor credit history. Payday loans direct lenders usually offer loans based on affordability. They will use information like your debt to income ratio to assess your eligibility.

When you are in panic mode, and looking at payday loans you will be confronted with a lot of promises of 'no credit check loans same day payout' and 'loans fast cash no credit check'. It would be natural to buy into this same day loans promise and get started on a loan request right away. The thing is that this sense of urgency is created on purpose by misleading wording. It can often result in you choosing the wrong lender out of fear that your bad credit will stop you from being able to access the cash you need. If a direct lender is promising a 'no credit check' loan what they actually mean is that they will only perform a 'soft check'.

What's A Soft Check?

A soft check also known as a soft inquiry, sometimes known as a soft credit pull, happens when you or someone you authorize checks your credit score but doesn't tie to any kind of loan request. Soft checks are often carried out without you even knowing and they do not impact your credit score or credit history. Direct lenders 'no credit check loans' are actually soft check loans. 

The main problem with loans online that use misleading wording, or overpromising things like "loan same day payout",  is that when you're in a hurry it's easy to quickly make a request and you will likely be let down by the speed and service, and on occasion, some online lenders may even take this as an opportunity to charge you much higher fees.

So What Next?

Let Loanza help you . . .

Here at Loanza, we can help you find payday loans, regardless of your credit history. We proudly work with reputable direct lending companies in the USA and we can help you get the loan amount you need as quickly as possible. We work with loan companies who are known to have high approval, acceptance rates to borrow with less favorable credit history making sure the loan you get connected to fits your circumstances! It doesn't get any faster than Loanza. And we're free, safe and reliable, too. 

Looking for a fast payday loan?

We can connect you to a trusted lender in minutes, even if you have bad credit.

Get Started Now