What are 1-hour payday loans?

A 1-hour payday loan refers to the time it takes to complete your loan request form, get a decision from a lender, and if approved, review the documents and terms and conditions of your loan. One hour payday loans do not refer to the time it takes to get your loan money. Approved loans are deposited in your bank account in one business day in almost every case.

Have some credit issues? No worries, 1-hour payday loans have an incredibly fast, secure, and easy process.

When you need cash in a hurry, 1-hour payday loans are probably your best choice.

One hour payday loans are primarily for those with lower incomes and/or bad credit that need help now. Emergency financial situations occur to more than half of all Americans every year and these loans can be a quick solution. They are fee-based loans which means you pay a set fee per $100 loaned to you. Fees vary from state to state based on the laws enacted in the state you reside in.

One hour payday loans are not for non-essential spending. They are there to assist in times of critical need. You may have medical expenses, checks that may bounce @ $35 per check, utility bills due, and you need to avoid penalties - deposits - restart fees. Whatever the reason, 1-hour payday loans from a direct lender can be a lifesaver.

Traditional loans are cheaper but take much more time to get and are not a solution for those with bad credit. And traditional loans will not get you money the next business day!

In one-hour payday loans no credit check, payday lenders do not use the 3 credit bureaus to check your credit score. Instead, they look to verify your income to ensure you can pay back your loan. This is a much better indicator and they use it as the primary qualifier for a loan. Of course, other factors come into play, but having a steady income is the most important factor. So, no credit checks here.

Because each state has its own lending laws, there is a wide variety of stipulations depending on where you live. You can check your state website to find out how your state regulates payday loans. Here are a few of the qualifications that apply to almost every state:

  • You must be 18 years of age or older
  • You must have a working phone (cell is good) and email address
  • You must have an open bank account (for depositing your cash loan)
  • You must have a valid form of ID
  • You must have a steady form of income (your job or other income e.g. disability)

CashOne has been in business for more than a decade and assisted over 500,000 Americans to get emergency cash with a one-hour payday loan no credit check. Why look anywhere else? Our short loan application is easy to complete, just be sure all the information you enter is accurate. Inaccuracies can cause your request to be rejected.

We have more than 120+ direct payday lenders working to get your business, so you do not have to drive from one storefront to another wasting your gas, money, and time.

Fast, easy, and secure. Get started by completing our short loan request form.


You can complete the loan request form and get an answer (80% of the time it is yes) in under an hour. If you are one of the many who are approved, you will get your loan in the bank in one business day.

Yes, you can get 1-hour payday loans even with bad credit. Payday lenders do not do normal credit checks but rely on other databases as well as verification of your income to determine your eligibility. Bad credit is common with those requesting a one-hour payday loan.

Work with a proven industry leader like CashOne. Avoid the newcomers with no proven track record and history. We have been helping people coast to coast for more than 10 years, so you know we can help if anyone can.

You are here, CashOne! No need to look any further, just get started with our easy-to-complete loan request form and get an answer after you submit it in as little as 10 seconds.