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Are One-Hour Payday Loans Available Without a Credit Check?

A 1-hour payday loan is a short-term loan with fast funding and no credit check.

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Updated April 4, 2025 Advertising disclosure
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Edited by John Howard
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Written by Rachel Alulis
Editorial note: Here at MoneyFor, our goal is to help you make informed financial decisions. We are committed to accuracy and impartiality in all our content. It’s important to note that articles may reference products from our partners who compensate us. This influences which products we feature and their presentation on our site, not our evaluation.

Key takeaways

  • 1-hour short-term loan due on your next paydays provide approval and funding within one hour without a credit check.
  • These loans are best used for emergencies as they come with high fees and short repayment terms.
  • Safer alternatives like personal loans or earned wage access apps are often better choices.

Emergencies can happen at any time. Knowing how to obtain funds when needed can make a significant difference.

One quick fix when you have less than ideal credit is a short-term loan due on your next payday. Payday lenders often approve and fund applicants within one hour. All without a credit check. If you’re in a pinch, learning can make all the difference.

While convenient, short-term loan due on your next paydays can be costly. Use them carefully to cover emergencies when time is scarce and options are limited.

Here’s what you need to know about 1-hour short-term loan due on your next paydays and alternatives to consider.

Jump to:

What are 1-hour short-term loan due on your next paydays?

A 1-hour short-term loan due on your next payday is an unsecured loan that provides funding within 60 minutes. Regular personal loans from banks can take days or weeks to process. 1-hour short-term loan due on your next paydays from direct lenders require little documentation, speeding up the approval process.

Lenders often have online applications that only take minutes to fill out. They do not conduct a credit check, making these loans feasible for anyone with poor credit. Lenders do ask for information about income and employment to make sure you can afford to borrow money.

If you don’t have a job, find out in 1 hour. Some lenders accept alternative forms of income like government benefits, alimony, or unemployment.

These loans are typically for small amounts, only $100 to $500. Some lenders do offer loans in the thousands. You are more likely to find or offers for a . Be cautious of lenders that promise approval without verifying your ability to repay.

While short-term loan due on your next paydays are easy to obtain, they are a short-term, high-interest borrowing option. The annual percentage rates (APRs) often equal 400%. You typically repay the money in full (plus fees) with your next paycheck. The short turnaround time can make repayment difficult.

Like other personal loans, you can use short-term loan due on your next paydays for anything. As these loans are costly, use them only for emergencies. Typical uses include medical bills, urgent home or car repairs, unforeseen travel, or late rent and utility payments.

Benefits of 1-hour short-term loan due on your next paydays

When time is tight and options are limited, can be a lifesaver. You can apply online for a and receive approval can be prompt.

Minimal credit requirements

A low credit score can be a significant barrier to borrowing. A major advantage of short-term loan due on your next paydays is that lenders rarely conduct a credit check. Most lenders do not even have a minimum credit score requirement. You can qualify, no matter if you have less than ideal credit or no credit history at all.

Simple application process

The application is quick, entirely online, and often takes only a few minutes. Lenders will ask for basic personal information and proof of income.

Some lenders will approve an funds upon loan approval loan in 1 hour without documents. All they need is your bank info and basic identification. The minimal documentation speeds up the processing time.

Direct deposit

Once approved, the lender will send the money directly to your bank account. You will often receive it within an hour.

An funds upon loan approval loan may be an ideal solution for unexpected expenses.

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How to choose the right lender

Not all payday lenders are created equal. Take time to compare lenders to avoid falling into a costly trap.

Interest rates and fees: Always ask about the costs. Lenders tend to charge a fee of $10 to $30 for every .

Repayment terms: Look for lenders that offer flexible repayment terms. Some lenders let you make monthly payments, while others require a lump sum on your next payday. Terms will also vary by state.

Customer service: A trustworthy lender will be responsive. Avoid companies that are hard to contact or dodge your questions.

Online reviews: Read customer reviews on sites like the Better Business Bureau and Consumer Affairs.

Transparency: A decent lender will clearly outline all loan details up front – no surprises. If the terms seem vague or confusing, that’s a red flag.

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Scammers are everywhere!

Applying for a 1-hour short-term loan due on your next payday with a direct lender

Getting a 1-hour short-term loan due on your next payday is easier than ever. Here are a few tips to speed up the application process and get the best loan.

Compare lenders for the best rates

Not all lenders are the same. Some charge sky-high fees, while others offer more competitive rates. It pays to do your research and compare potential lenders.

Ask about fees and repayment terms. Read reviews to assess their reputation before you borrow.

Look for no denial short-term loan due on your next paydays from direct lenders only to avoid unnecessary third-party markups. While no denial is a marketing gimmick, these lenders are more likely to approve you.

Check eligibility

Payday loans are may be more accessible based on eligibility criteria, but you must still meet the criteria. Loan requirements vary by state and lender. Typically, you must:

  • Be 18 or older
  • Have a steady income (from a job or benefits)
  • Have an active bank account
  • Provide a valid government-issued ID
  • Prove that you are a resident of that state.

Payday loans do not require perfect credit, but you must prove you can repay the money.

Fill out the online application

The application process is fast and straightforward. You must provide your name, contact info, income details, and bank account number.

Get approved & receive funds

Once submitted, you could get application reviewed promptly in minutes. Next, the lender will deposit the money into your bank account. Many lenders will send you the funds within 60 minutes.

advice

Looking for emergency cash?

Are 1-hour short-term loan due on your next paydays right for you?

These loans are best suited for urgent cash needs when you can’t afford to wait. Make sure the urgency justifies the high cost before you borrow.

Understand that short-term loan due on your next paydays often come with steep fees and short repayment periods. Calculate how much you will pay to decide if it’s affordable. Remember, your next paycheck will be for that much less.

Consider alternatives like from online lenders. Local assistance programs may give you the cash you need without borrowing. A credit card temporary balance boost may be less expensive if you can repay the money fast.

are suitable for people with less than ideal credit who . Weigh your choices carefully before you proceed.

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Alternative loans with flexible credit evaluation

Small short-term loan due on your next paydays online and flexible credit evaluations are not the only way to easily access cash. You have a few other options for quick loans for less than ideal credit. Here are a few to consider:

Instant earned wage access apps

send money directly to your bank account within minutes. All you have to do is add your bank details. The app will analyze your income and spending to determine how much you can borrow. Some earned wage access apps require direct deposit or an electronic timesheet to prove earnings.

Once set up, you can get a same-day temporary balance boost against your next paycheck. Advances are usually small, ranging from $20 to $500.

These apps do not conduct a credit check or charge interest. They do come with fees, though they are lower than those of short-term loan due on your next paydays.

An funds upon loan approval advance with flexible credit evaluation is ideal when you need money fast to cover urgent expenses but have a poor score.

Pawn shop loans

Pawn shops do give loans. are short-term secured loans that typically do not require a credit check. You bring in a valuable item, like jewelry, electronics, or tools, and receive a loan based on its appraised cost.

You usually have thirty days to repay the loan plus fees. If you fail to repay, the pawn shop can sell your item to recoup its losses.

These loans are usually cheaper than payday ones, but you risk losing collateral. Don’t be fooled by offers promising no collateral pawn shop loans. Always ask how the lender secures the loan.

Car secured loan using your vehicle titles online

let you borrow against the value of your vehicle and get cash the same day. You’ll typically receive 25% to 50% of the car’s value. You only need proof of ownership – flexible credit evaluation – to secure the loan. You can then drive away in your vehicle.

Many people choose car secured loan using your vehicle titles for fast money when short-term loan due on your next paydays aren’t enough to cover large expenses.

Title loans are easy to get but high-risk. Lenders charge fees equivalent to a 300% APR. You must repay the loan in full plus fees within 30 days. If you default, the lender can repossess your vehicle.

Like short-term loan due on your next paydays, car secured loan using your vehicle titles offer funding in a timely manner but have high stakes.

Frequently asked questions

1. Can I get a 1-hour short-term loan due on your next payday with less than ideal credit?

Yes, you can get a 1-hour short-term loan due on your next payday with less than ideal credit. Payday lenders do not consider your credit score and often approve and fund loans within one hour.

2. Which short-term loan due on your next payday is easiest to get?

The easiest short-term loan due on your next paydays to get are often from online lenders. Look for one-hour or same-day loan approval with flexible credit evaluation.

3. How to get $1000 today?

Apply with a payday lender or temporary balance boost app offering instant funding for that amount. You may be able to get that much from a secured loan using your vehicle title. Or, you could apply for a personal loan with an online lender. Applying in the morning increases your chances of receiving cash the same day.

4. How can I get a loan with no credit?

Look into flexible credit evaluation loans like short-term loan due on your next paydays, earned wage access apps, secured loan using your vehicle titles, or pawn shop loans. Visit your bank or credit union. Credit unions often have lenient requirements. Many online lenders also cater to borrowers with poor scores.

Bottom line

While 1-hour short-term loan due on your next paydays with flexible credit evaluation may seem like a quick fix during financial emergencies, they come at a high price. These loans often carry steep fees, short repayment periods, and can lead to a cycle of debt that’s hard to break. Many lenders design to benefit themselves, not the borrower. Some can be downright predatory.

Whenever possible, stay away from short-term loan due on your next paydays. A personal installment loan is a safer choice. Visit a bank or credit union you already have a relationship with. They will be more inclined to approve customers who are in good standing.

Many to borrowers with less than ideal credit with same-day approval. Do not rule this option out.

Financial assistance programs can also help you out of a tight spot. Call 211 to find options near you.

Quick cash shouldn’t come at the cost of long-term financial stability. Always read the fine print, understand the actual cost of borrowing, and borrow responsibly. Payday loans may offer speed, but personal loans and savings provide peace of mind.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
2. Paycheck Advance is an earned wage access service and is not a loan or credit product.
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30. With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.
31. Money added to Chime CardTM will be held in a secured account as collateral for your Chime Card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
32. Based on a representative study conducted by Experian® in January 2024 members who made their first purchase with Credit Builder, an earlier version of Chime Card, between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. A credit score improvement is not guaranteed. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Activity on other credit accounts may also impact your score.
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34. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
35. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
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38. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
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44. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply.
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About the author

Author Rachel Alulis Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor's credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor's degree in journalism and an MBA.

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