How to Get 1-Hour Payday Loans with No Credit Check

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Key takeaways

1-hour payday loans 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 cash advance apps are often better choices.

Emergencies can happen at any time. Knowing how to get cash fast can make a significant difference.

One quick fix when you have bad credit is a payday loan. Payday lenders often approve and fund applicants within one hour. All without a credit check. If you’re in a pinch, learning how to get $200 fast can make all the difference.

While convenient, payday loans 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 payday loans and alternatives to consider.

What are 1-hour payday loans?

A 1-hour payday loan is an unsecured loan that provides funding within 60 minutes. Regular personal loans from banks can take days or weeks to process. 1-hour payday loans 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, you may be able to get unemployment payday loans 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 $255 payday loans online the same day or offers for a $500 payday loan guaranteed. Be cautious of lenders that promise approval without verifying your ability to repay.

While payday loans 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 payday loans 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 payday loans: no credit check

When time is tight and options are limited, urgent loans with no credit check can be a lifesaver. You can apply online for a $700 loan with no credit check and receive approval within minutes.

Minimal credit requirements

A low credit score can be a significant barrier to borrowing. A major advantage of payday loans 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 bad 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 instant cash 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 instant cash loan may be an ideal solution for unexpected expenses.

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 $100 borrowed.

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.

Scammers are everywhere!

Watch out for these common traps!

Applying for a 1-hour payday loan with a direct lender

Getting a 1-hour payday loan 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 payday loans 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 easy to qualify for, 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 instant approval in minutes. Next, the lender will deposit the money into your bank account. Many lenders will send you the funds within 60 minutes.

Looking for emergency cash?

Click here for the best emergency loans of the year!

Are 1-hour payday loans no credit check right for you?

Before applying for instant payday loans online with guaranteed approval, consider your financial situation carefully. 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 payday loans 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 personal loans for bad credit from online lenders. Local assistance programs may give you the cash you need without borrowing. A credit card cash advance may be less expensive if you can repay the money fast.

Payday loans online with no credit check and instant approval are suitable for people with bad credit who need quick cash. Weigh your choices carefully before you proceed.

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Alternative loans with no credit check

Small payday loans online and no credit checks are not the only way to easily access cash. You have a few other options for quick loans for bad credit. Here are a few to consider:

Instant cash advance apps

Instant cash advance 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 cash advance apps require direct deposit or an electronic timesheet to prove earnings.

Once set up, you can get a same-day cash advance 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 payday loans.

An instant cash advance with no credit check is ideal when you need money fast to cover urgent expenses but have a poor score.

Pawn shop loans

Pawn shops do give loans. Pawn shop 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 title loans online

Emergency car title loans 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 – no credit check – to secure the loan. You can then drive away in your vehicle.

Many people choose car title loans for fast money when payday loans 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 payday loans, car title loans offer fast funding but have high stakes.

Frequently asked questions

1. Can I get a 1-hour payday loan with bad credit?

Yes, you can get a 1-hour payday loan with bad credit. Payday lenders do not consider your credit score and often approve and fund loans within one hour.

2. Which payday loan is easiest to get?

The easiest payday loans to get are often from online lenders. Look for one-hour or same-day loan approval with no credit check.

3. How to get $1000 today?

Apply with a payday lender or cash advance app offering instant funding for that amount. You may be able to get that much from a title loan. 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 no credit check loans like payday loans, cash advance apps, title loans, 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 payday loans with no credit check 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 no credit check loans to benefit themselves, not the borrower. Some can be downright predatory.

Whenever possible, stay away from payday loans. 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 online lenders offer personal loans to borrowers with bad 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.

3. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees. Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

6. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

7. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

8. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

9. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.

10. 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.

11. 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.

12. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

13. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.

14. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

15. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.

16. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

17. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

18. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

19. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

20. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

22. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

23. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

24. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

25. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

26. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

27. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

28. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

29. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

30. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

31. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

32. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

33. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

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.

36. Tipping or not tipping has no impact on your eligibility for SpotMe®.

37. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

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.

39. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

40. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

41. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

42. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

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.

How to Get 1-Hour Payday Loans with No Credit Check

Key takeaways

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What are 1-hour payday loans?