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1 Hour Loans - the Fastest Type of Online Payday Loans

Sometimes things go wrong, so you can’t sort them out on your own. This is especially the case when you have a sudden expense that needs to be covered here and now but you have no money to do it. In such a situation, a cash loan in 1 hour can be of great value. This is probably the faster form of funding you can find on the market.

Private funders like HartLoan offer 1 hour payday loans under reasonable terms. So, when you need money to pay your tuition fee or mobile phone bill, you can have a good option at your disposal. Below, you will find some more details about fast funds.

Definition of 1 Hour Loan

Bad Credit Loans

The name of one hour loans online speaks for itself. It is a short-term type of borrowing that usually doesn’t exceed $1,000 and needs to be paid off within 30 days. It mainly comes in an unsecured format, which doesn’t need you to provide any collateral. Upon approval, the requested funds are transferred to your bank account instantly.

A fast type of borrowing is commonly used for emergency needs. These can be:

  • Medical treatment;
  • Urgent repairs to your home or vehicle;
  • Household items or appliances
  • Various fines
  • Holiday expenses;
  • Work-related equipment, and so on.

One hour loans don’t pay much attention to your credit score due to limited timeframes. So, credit checks are not going to disturb you. However, the funds will be approved along with high interests. You then have the flexibility to cover your debt in 30 days. Some funders allow you to spread your debt into fixed installments over 6,9 or 12 months.

Features of 1 Hour Loan

Similar to any other type of borrowing, 1 hour payday loans with no credit check have certain features. Every funding company like Hart Loan tries to make these features part of their offer. Primary points are as follows:

  • Instant decision - Things are taken fast when you apply for one-hour funds. You submit an online application and wait for a response. It doesn’t take long for a funding company to announce its decision. If your application is declined, you can refer to a different funder. If it is approved, you carry on with actual funding to your account.
  • Fast processing – From the moment you send a loan request till the moment you get money to your checking account, it’s going to take up to one hour. With no in-depth credit check and a few documents involved, a funder might take a look at your monthly income and employment status. Also, you shouldn’t expect to take out a huge amount of money. An average one hour loan ranges from $100 to $1,000.
  • No credit check – Considering the fast nature of one hour payday loans from direct lenders, it doesn’t leave space for extra precautions. A funding company may have insufficient time for checking an applicant’s credit past. Even if it does, it is going to be a soft check without getting into details.

Standard Requirements for 1 Hour Loan

Before you go for a one hour online payday loan, it is crucial to qualify for it. Here are the standard requirements established by a direct lender:

  • Low age requirements (18 years old);
  • Valid national ID document or residence permit;
  • Proof of regular income;
  • Active bank account;
  • Valid email and/or phone number.

Some funder may have some additional requirements. This is why it is important for an average borrower to check everything well in advance. The application, approval, and disbursement of funds are managed in an online format. The repayment period of 1 hour direct deposit loans consists of 30 days, although there can be some exceptions.

Application for 1 Hour Loan Online

To take out cash loans wired in 1 hour at, you will need to go through a relatively standard procedure. Once you ensure that you qualify for financial support, take the following steps:

Prepare all the necessary documents. To get one of the 1 hour loans online, you need to specify some personal and financial details. These include a copy of your ID card, proof of income, and bank depositing record.

  • Fill in an online form. On the funder’s website, you will complete an online form by specifying some personal and financial details. In the end, you will attach the above-mentioned documents.
  • Wait for the decision. To process your request, a funder may need a few minutes. In some cases, it takes up to one hour to make a reasonable decision. If your credit history has some gaps, you might need to provide some additional documents. Once everything is taken into account, a funder will inform you about its final decision.
  • Get funding. If your information and documents don’t bring out any questions for a funding company, you will get approval. Then, the requested sum of money will lend to your bank account almost instantly.

If you expect to get fast loans in 1 hour, you won’t be disappointed. Of course, there can be some unusual circumstances when a funding company requires more time for processing your request.

1 Hour Loan for Bad Credit Holders with No Credit Check

Emergency expenses are not a rare issue. Many people find themselves in a situation when they have no money but a bill needs to be paid asap. Quick cash loans have already saved many people’s lives. But what if your credit background has some unpleasant flaws? Banks and credit unions usually refuse to have anything to do with such customers. Credit bureaus are less radical in their orientations.

Over the last decade, 1 hour payday loans with no credit check from direct lenders have turned into a popular solution to financial issues. They become possible due to a number of reasons.

  • First, a funder has no time to examine your credit past. As long as you are employed or/and have a stable source of income, you can already qualify for a 1 hour loan for bad credit holders.
  • Second, a funder will set certain limits for risky customers. You won’t be able to borrow more than $1,000 at once. In some cases, this limit can be slightly higher.
  • Finally, a funder will impose higher interest rates to keep itself from potential dangers. If you won’t be able to cover a debt on time, you will have to make a compensation by paying additional charges.

After all, a 1 hour loan from a direct lender must be your last resort. So you must do your best to stay away from borrowing money online. However, if an upsetting consequence appears and you cannot handle it without a quick loan, then try a short-term one.


How can I get a loan for 1 hour?

Some funders offer this option by issuing small loans for a short period of time. With a soft credit check and a few documents to demand, they manage to process loan applications within one hour.

Can I get an instant loan in 1 hour?

Yes, you can. You can find an online funder that offers one-hour loans. The name speaks for itself. You will be able to take out a small amount of money in this short period of time.

Can I get a bad credit loan in 1 hour?

Yes, you can. You can take out a small borrowing from a private funding company. While your credit past is not taken into account, you will manage to complete the whole procedure in one hour.

How big a one hour loan can be?

A one-hour loan is a type of borrowing that ranges from $100 to $1,000. Some funders have slightly different limits. You need to check this detail before submitting your application.