1 Hour Payday Loans No Credit Check

Bad credit doesn’t have to stop you from getting approved quickly.

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

Sometimes, you need a loan that doesn't have to be for a huge amount of money, and you're okay with any (reasonable) interest rate. What you're interested in most of all is getting cash as quickly as possible.

Being approved for a loan in 1 hour can easily make the difference between an emergency and a disaster. So, whether you're already looking or you just want to understand your options, read on to find out exactly how to get 1 hour payday loans, no credit check involved.

What Is a 1 Hour Payday Loan?

Easy online payday loans are for small amounts and meant to be repaid in a couple of weeks. The first thing to understand is that it isn't always possible to get a cash loan wired in 1 hour with money landing right in your bank account. Look on the bright side, though: the application process for payday loans is very slick, thanks in large part to technology.

1hr loans refer to those which you can apply and be approved for in 60 minutes or less. You'll generally receive the money within 24 hours, especially if you start looking for 1 hour payday loans in the morning. At worst, you should have cash by the next business day. The key point here is that knowing the money will arrive soon enables you to make better plans on how to cope with an emergency.

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

All credit checks aren't equal. “Hard” checks make your credit score drop slightly, which is the last thing you want in a financial emergency. “Soft” credit checks don't affect your score at all.

Most responsible 1 hour loan companies will run a soft credit check, but not a hard one. This is normal and doesn't harm you in any way; mostly, this is just to confirm information you've already sent to the lender.

This step is quick and doesn't affect your chances of being approved for loans in 60 minutes or less. Any company that offers 1 hour payday loans, no credit check either hard or soft, should be treated with suspicion.

Can I Get 1 Hour Payday Loans If I Have Bad Credit?

Hard credit checks like those run by bank loan officers are not only time-consuming but more rigorous. While an in-depth look at your credit history may disqualify you from getting a mortgage or auto loan, easy online payday loans aren't nearly as strict.

Your credit score still matters, especially when it comes to the interest rate you'll have to pay, but a number of other factors are examined as well. How much money you earn, where you live, whether you own a car…all of these can help put your application for a 1 hour loan over the top. In short, almost anyone can be approved for a loan in 1 hour as long as they earn an income from any source.

Why Do I Need a 1 Hour Payday Loan?

The reason most people apply for 1 hour loans boils down to the words “Oh, no!”. In the majority of cases, something unexpected happened that you need extra money to cope with. Common examples are medical expenses, car repairs, unexpectedly high bills, or anything else you didn't see coming.

The problem in this situation is that almost no bank in the world is willing to process applications for an emergency loan in under 60 minutes. It's likely that your credit score will cause them to turn you down, anyway. Luckily, more innovative financial companies do realize that a cash loan wired in 1 hour can sometimes save your financial bacon.

Get a 1 Hour Payday Loan with CocoLoan

Finding affordable payday loans with no bank verification quickly is no easy task, even if you know how the system works. Just getting enough offers to compare and find a good deal will probably take way longer than an hour – if you try to do everything yourself.

A much better alternative is to ask a loan broker like CocoLoan to do the scut work for you. This costs you nothing except 5 minutes or so to fill out their secure online application form. They will then negotiate on your behalf with dozens of companies that offer 1 hour payday loans. No credit check that affects your score has to be done.

How much would you like to borrow?


Why Choose CocoLoan?

The biggest reason is convenience: if you're hoping to get a cash loan wired in 1 hour, you really don't want to spend too much time contacting multiple lenders (each with its own procedure and requirements). Closely related to this is speed. Within a few minutes of information submission with CocoLoan, various loan offers will start landing in your inbox.

Applying, indirectly, to numerous lending companies also improves the odds of being approved for several no bank verification payday loans even with a low credit score.

Finally, there's security. CocoLoan's website is secure as that of most banks, they don't share your information with anyone except lending companies, and they make sure that all of these lenders are properly licensed and regulated.

How Does CocoLoan Compare

default imgWhy Trust CocoLoan?
How much can you get?$50 to $35,000Zero upfront charges
What are the loan terms?1 - 36 monthsEasy repayment
Are credit checks needed?YesMostly soft pulls
Are bad credit accepted?YesAll credit considered
How to apply?Totally onlineSimple and straightforward
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Is It a Good Idea To Borrow a 1-Hour Payday Loan?

Like always when borrowing money, the answer depends on your circumstances. Easy online payday loans always come with high interest rates. If you have another source of quick cash, like a savings account or a loan from a friend, that's probably a better idea. 1hr loans will usually be the last option you try.


Do 1 hour payday loans really exist?

If you mean a cash loan wired in 1 hour to your bank, these are rare. But you can be approved for many loans in 1 hour or less. It usually takes less than a full day to receive the money, and this often happens in only a few hours.

Can I get a 1-hour payday loan if I'm unemployed?

It's possible, but not easy. Instead of your credit score, providers of 1 hour payday loans (no credit check variety) mainly use your monthly income to determine your creditworthiness. This income can be from almost any source: Social Security, unemployment benefits, etc. A regular job is preferred, though.

What are the eligibility criteria for a payday loan?

Each lender has its own requirements, which is why it's so much better to apply to several using CocoLoan. Practically, though, the minimum criteria are that you're a U.S. resident, older than 18, have a bank account, email, and phone number, and earn some kind of income.

Can I get a payday loan with no bank verification?

Some lenders prefer to get access to your bank statements (not the account itself!). If you allow this, you're more likely to be approved for an affordable loan. Other companies are happy to offer payday loans, no bank verification, so shop around if you don't want to share this information.

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Take Out a Quick Payday Loan Today!

In an emergency, a few minutes can make the difference between succeeding and sucking. CocoLoan is your quickest route to finding easy online payday loans.

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