One Hour Payday Loans with No Credit Check and Instant Approval
- Easy Application Process
- Fast Approval & Funding
- Bad Credit Is Accepted
- Trusted Direct Lenders
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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Get your Payday Loan in One Hour
1F Cash Advance allows you to access much-needed financial assistance in a flash when you face a financial emergency. You're welcome to apply in minutes from the comfort of your home and receive an approval decision within 1 hour or less. Loans offered through 1F Cash Advance are always safe, fast, and easy to get. There's no hard credit check, paperwork, faxing, and phone calls involved in the process.
What Are 1 Hour Payday Loans?
1 hour payday loans are short-term financing options that allow you to get an approval decision within an hour of applying. If approved, the loan amount is deposited directly into your bank account on the same or the next business day. These loans let you borrow between $50 and $1,000, depending on your state, income, and creditworthiness. The repayment is made in one lump sum in 2 to 4 weeks, with the due date tied to your next paycheck.
When May I Need a Payday Loan in One Hour?
A payday loan is commonly used for minor emergencies that require you to act quickly. Here are the most common uses:
- Car repairs,
- Medical bills,
- Home improvement projects,
- Credit card payments,
- Rent or utility bills,
- Urgent unexpected expenses.
Requirements for a Payday Loan from a Direct Lender
When you deal with 1F Cash Advance, the basic requirements you need to meet are minimal. Here are some common criteria:
- Be of legal age in your state;
- Provide proof of citizenship and identity (ID, driver's license, passport);
- Have an active bank account in your name;
- Have a steady source of income of at least $1,000 per month.
Additionally, you will be asked to fill out a simple application form and provide your personal and financial details. Some lenders may also ask you for employment verification.
Benefits of 1 Hour Payday Loans
Major benefits of 1 hour payday loans include:
Almost instant loan decision
You are most likely to get a response within 15 minutes to 1 hour.
No hard credit checks
Loans via 1F Cash Advance come with no traditional inquiries, making the process quick and safe for your credit score.
Any credit is considered
You don't need to demonstrate good credit to qualify.
Fast funding
Approved borrowers get their loan funds within 1 business day, often on the same day of applying.
How to Apply for a 1 Hour Payday Loan Online?
An online application process is smooth and convenient when you deal with 1F Cash Advance. Here are the following three steps to take:
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Fill out an online form. You can request a loan in just 5 minutes by completing a simple form on the website. We're here for you 24/7.
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Get a loan decision. A soft credit check typically takes about 15 minutes, so you will get an answer shortly after. If approved, review your loan terms carefully and e-sign the agreement if they suit you.
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Receive the funds. The money will be deposited into your bank account within 1 business day of approval. Same-day funding is usually possible for applicants who get approved before 10:30 AM on weekdays.
Why Choose 1F Cash Advance for Your Loans
1F Cash Advance is an automated platform that helps people with any credit find a suitable loan option from trusted direct lenders. Our core goal is to assist borrowers in improving their financial health and reach a better future. You’re welcome to apply online 24/7 or visit one of our 81 stores for a personalized approach. Request a loan in just 5 minutes and get up to $1,000 within one business day.
FAQs
How Much Do 1 Hour Payday Loans Cost?
An average 1 hour payday loan usually costs between $10 and $30 for each $100 borrowed, which results in an APR of 121.7% to 365% for a 30-day loan. The cost you will be offered depends on the lender, your state of residence, and your credit score. Extra fees for processing and late payments may be applied.
Can I Get a 1 Hour Direct Deposit for Loans with No Credit Check?
As no credit check loans involve no hard inquiries via major credit bureaus, most borrowers get their approval decisions within 1 hour. However, the money is usually deposited on the next business day. Same-day deposit may be offered for applicants approved before 10:30 AM on weekdays.
Is It Possible to Get a 1 Hour Payday Loan with Bad Credit?
Sure! At 1F Cash Advance, we set no minimum credit score requirements. Applicants with any credit can qualify as long as they meet basic requirements regarding their age, citizenship, and income.
Do You Offer Loans with No Employment Verification?
Some loans offered through 1F Cash Advance may be available with no employment verification. Still, a borrower needs to provide proof of an alternative source of income, such as bank statements or a 1099 form.
Do 1 Hour Payday Loans Help Build Credit?
Most payday loans are not reported to major credit bureaus, so they don't help build credit. They may even reduce your score if you default, and your account will be sold to a collection agency.
Can I Get Payday Loans by Phone in 1 Hour?
To get a loan over the phone, call us at (720) 428-2247. Our manager will help you navigate the application process. Then, you will get an approval decision via email in 1 hour. If approved, the money will reach your bank account within 24 business hours.
How Will I Repay My 1 Hour Loan?
The repayment is typically an automatic process. As you provide a lender with access to your bank account, they will withdraw money from it electronically on the due date. You only need to ensure the balance is sufficient to avoid NSF or overdraft fees.