1 Hour Payday Loans No Credit Check

Loan disapproved! This could be disturbingly familiar if you have a low FICO score. There is some good news, however. iPaydayLoans can help you with a 1-hour payday loan and quickly too, even if you have bad credit. Apply today!

Want to borrow more than $5,000? Click here!

What Are 1-Hour Payday Loans?

Most budget advocates will tell you how important it is to make room for unexpected expenses in your budget. What they never tell you is what to do if your paycheck’s value doesn’t even give room for contingency plans. If you live paycheck to paycheck, chances are that you may never have a budget for miscellaneous expenses. What do you do then?

One option is to get a side gig. Another is to borrow from friends and families. But these options sometimes fail. Other times, they just don’t get you enough cash in time to settle those emergency bills.

Get a loan if you fall into this category. You can secure a loan without a hard credit check with iPaydayLoans. 1-hour payday loans will get you set. They are quickly-disbursed loans borrowed to sort emergency expenses and to be repaid by the next payday.

How Legit Are One-Hour Loans?

Now, to the question on many minds. Is it legit? How easy is it to process a loan quickly, considering that loan processing takes old, established institutions like banks, days, and weeks? It’s quite simple.

Banks provide loans to applicants from investors and bank customers’ monies. To minimize risks as much as possible, they run several checks on the borrower and go through many procedures to process funding.

In contrast, a payday loan is basically direct or person-to-person lending. All it takes is convincing online lenders to lend you some money for some interest, and voila; you have a ready sponsor. This is what makes the one-hour funding very possible.

The payday loan lending structure is another thing that gives credence to the near-instant funding claim. Since these loans are designed for mostly cash emergencies, the loanable amounts are usually small. This lowers the risk for lenders and makes them more at ease with releasing the money.

The interest rates are usually higher than traditional loans too. But they are within reason though. Consider it as a little token in exchange for the swiftness, security, accessibility, and saving of your day in short.

In conclusion, 1-hour payday loans are quite real. They are fast and easy, yes. They can be accessed without hard credit checks, another yes. But that’s not without high-interest rates. This tells you that unlike scams they are not too good to be true.

Is It Possible to Get a 1-Hour Payday Loans With No Credit Check?

Not absolutely. But you can get a 1-hour payday loan with no hard credit checks. Let’s establish the basics. Credit checks are a lending requirement by the Consumer Financial Protection Bureau and other US financial regulators. Hence, all lenders must run these checks on borrowers.

However, the footprints on your credit profile you so fear only appear when these checks are reported to the major credit bureaus like Experian, TransUnion, etc. So, loan broker services like iPaydayLoans ensure their users are connected to only lenders who do not report these checks. These are called soft credit checks and they are as good as no credit checks.

default imgWhy Us
How much can I borrow?$50-$35,000No hidden fees or charges
I have bad credit. Can I apply?YesBad credit is considered
Over how long can I spread the repayments?1-36 monthsFast decisions
Are credit checks involved?YesSoft credit checks only
Chances of getting approvalsGood256-bit encryption protocol
How to apply?Apply onlineEasy application
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Why I Might Need a 1-Hour Payday Loan?

There are several financial tight spots that you could be in that would need you to get a loan, more so, a 1-hour payday loan. Here are some of the reasons why you might need a 1-hour payday loan:

Not-so-healthy credit

Banks and many traditional lending institutions are often reluctant to give loans to people who are not considered creditworthy by virtue of their credit profile. But you still need some credit, don’t you? Online loan lenders usually do not discredit borrowers based on their credit scores. They give them the benefit of the doubt by looking at their income value and then offering them a good loan amount.

Long application process

The bank loan application process is very tedious. When you need small cash for a short-term emergency, going through that process and risking not getting approved in the end is just not worth it. But when applying for a 1-hour payday loan, all you need is to submit a loan request form straight to fill the comfort of your home.


If you need a loan for purchases and expenses that can wait, then a bank loan would be just fine. But in an emergency? You need to act quickly. Only online lenders can give you this, and a 1-hour payday loan is one great offer they have available.

How Can I Get 1 Hour Payday Loans With Instant Approval?

Getting loans with iPaydayLoans is easy, fast, and paperwork-free. Here’s how to request a loan with instant approval through iPaydayLoans:

  • Go to the application page and provide answers to the questions asked. Just expect the basics like your name, email, contact information, credit score, and loan purpose. This should take less than five minutes.
  • Submit, and you will be paired with lenders who have loan offers designed for your financial needs. They will run soft credit and affordability checks on your profile and approve you for a loan in no time.
  • Go through the offers you get, pick the one whose conditions are the best fit for you and close the deal by signing it.
  • Then, wait it out. Not to worry, you won’t have to wait for too long. All things being equal, you should be paid quickly, post-approval, or at the most.

How much would you like?


Characteristics of 1-Hour Payday Loans

Zero credit checks

Credit checks are a requirement for every lender and lending institution. However, some lenders opt for soft credit checks to curb the dip in credit scores that multiple hard credit checks cause. The lenders in the network of iPaydayLoans do not report these checks to the major credit bureaus. Therefore, they cannot hurt your credit.

Near-instant approval

Borrowers can expect to get approved within a few minutes when they make a loan request through established loan broker service names. iPaydayLoans, in particular, connects you with lenders who can approve you for a loan in as quickly as five minutes.

Easily accessible to all and sundry

1-hour payday loans are accessible to nearly everyone since the basic requirements are so easy to get past. The usual more difficult requirements to meet, like good credit score, etc, are not required here.

No faxing

The entire process can be done in less than thirty minutes, a time frame alien to fax-dependent processes. Borrowers do not need to fax any documents either via an office or electronically. In a few, simple steps, you are done.

Quick disbursement

1-hour payday loans are about the quickest loans you can get. You can get funded anytime from when you have been approved for the loan. So you may just want to keep calm or keep your mind busy with more important things.

Is Getting a 1-Hour Loan a Great Option?

It depends on your viewpoint. It is a great option if you look at it from the bad credit borrower’s perspective. So also is it if you looked at it from the standpoint of someone who needs to sort out an emergency. But your position might be a little shaky if you consider the interest rates. The interest rates on 1-hour payday loans can be quite high. So, you may want to consider it as a last resort.

If you’ve exhausted other options, or these alternatives can’t provide you cash in time for your emergency, then you should get started with the loan request process right away.

What Other Options Do I Have If I Need Money Fast?

Your lending options do not need to have a prefix like “1-hour” or “2-hour” to be quick, do they? These may work too:

Title loans

The concept of title loans is quite simple. Do you have a car and need some extra cash? Of course, online lenders can get you good cash without collateral, co-signers, or a good credit requirement. But if you need higher-than-usual loan amounts and want to cut the interest rates, consider throwing your car title into the mix. You can get higher loan amounts with lower interest rates by using your auto title as collateral.

Installment Loans

Installment loans have one of the most convenient repayment options. They are basically instant cash borrowings that can be repaid in fixed monthly payments known as installments. Good lenders spread the cost of the loan evenly over many months so that the borrower still has some spare cash to attend to their normal monthly financial commitments and obligations.

Borrowing from friends or family

Your family or network of friends can be a good support system when strapped for cash. Write out a list of those who come to mind to see who you can call. Place a call through to them one after the other and ask if they’d be willing to lend you some cash. Be sure not to show any form of entitlement while at it. Also, make sure to repay on time as agreed, or you could risk straining your relationship.


How to Qualify for a 1 Hour Payday Loan?

You must be at least 18 years old to qualify for a 1-hour payday loan, regular income, a government-issued ID, and an active checking account. You may also be required to send proof of identity, income, and nationality.

How Fast Can I Get the Money?

You can get funded as quickly as within the hour after approval, the next, or, at most, the following business day. However, the speed at which you get this cash may depend on several external factors, including your bank’s deposit processing speed.

With Bad Credit, Am I Eligible for 1-Hour Payday Loans?

Yes, you are. Bad credit is no blockade. There are, in fact, bad credit lenders whose loan offers are designed to cater to people with bad credit. Many of these lenders offer 1-hour payday loans and iPaydayLoans can connect you to some of the best in its network of lenders.

Can I Get Unemployment Payday Loans in 1 hour?

They are near-impossible to get. Since there is no fixed income an unemployed borrower is banking on, there is no guarantee or the littlest clue that they can pay back; talk more of payback in time. You may get some funding, but it could take some time.

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Why Get a 1-Hour Payday Loan with iPaydayLoans

Emergencies need quick reactions and we are ready to respond twice as fast. We connect you with lenders who act with a sense of urgency. They also do not burden borrowers with numerous checks and eligibility requirements. Apply right away to take advantage of some of the best loan offers you can find.

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iPaydayLoans is a company committed to connecting borrowers to hundreds of reputable online lenders to apply and get small-dollar payday loans quickly, easily, and securely, helping cope with life emergencies like paying medical bills, home, or car repairs, and so on.

Customer Note: A payday loan is traditionally used to help people borrow a small sum of money until the next upcoming payday. It's a short-term solution to cover unexpected expenses when people have no savings or deep pockets. Those who find themselves in a bind with their budget and want to refill it with credits should seek the advice of a professional financial assistant. A borrower also has to peruse local regulations related to a payday loan.

Availability: The service of this platform may not be accessible to people based in restricted states. Please check the local regulations to find out its availability in the area. Rules of this website are subject to change without notifications.

NOT A LENDER Disclosure: iPaydayLoans is not a lender but a broker and does not charge you any fees for our broker services. The lenders or other broker services we introduce to our customers through this website may pay us commissions if customers enter into a credit agreement with them.

Disclaimer: iPaydayLoans is not a lender, does not take applications or make loans or credit decisions. We are not an agent, representative or broker of any lender. We provide a service to connect you to a lender from our network. We do not control and are not responsible for any lender's actions or decisions.