1-Hour Payday Loans No Credit Check - What are they, and what is your best option?

Loanza's 100% Free service can connect you to a lender today.

In minutes you could be signing your loan agreement, and receiving funds as early as next business day. APR from 1.99%*

Welcome to loanza.us

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 the top direct lenders in the USA. We can help you get quick cash from companies that are designed to save the day. Whatever the financial emergency, 1-hour payday loans can help you solve it as quickly as possible.

If you're looking for a fast payday loan, then it doesn't get much faster than 1-hour payday loans. If you need cash fast why wait for same business day deposits when you can potentially get the money you need in one hour? Let's get started...

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.

A 1-hour payday loan is one which promises that, on approval, you will get access to the cash within 1 hour.

If you need a cash loan fast it's often not practical to wait until the next day or next business day and many lenders will be able to offer you loans with same day payoutIn many cases, you will be lucky enough to get the money within one hour.

If you go to a storefront lender and apply for 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 cash you need. In most cases, it will be ready for the next business day.

To loan fast cash, your best option is an online, direct lender application. Applications can be verified and approved and you can get a decision in as little as 90 seconds. If approved many online payday loan companies will send your money within one hour and it may indeed hit your bank account in as little as fifteen minutes.

While payday loans online with the same day payout can be guaranteed it's best for you to be aware that from time to time there will be hold-ups. 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 to clear.

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

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 exist, 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 applying for a same day loan, chances are you have a poor credit history. Payday loans direct lenders usually offer one hour payday loans based on affordability. They will use information like your debt to income ratio to assess your application.

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 payday loans promise and get started on an application. 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 application. 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 is that when you're in a hurry it's easy to quickly apply and on occasion, some online lenders will take this as an opportunity to charge you much higher fees than is necessary.

So What Next?

Let Loanza help you . . .

Here at Loanza, we can help you get a same day payday loan, regardless of your credit history. We proudly work with all of the best direct lending companies in the USA and we can help maximize your chances of getting 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 is the best you can in your circumstances! If approved, you could have your loan same day payout.



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