Best 1 Hour Payday Loans That Don’t Require a Credit Check

Andrew Reyes
A person filling out a payday loan application form on their computer.
Reading Time: 6 minutes

A payday loan is a loan granted to the borrower quickly and is meant to get the borrower from one paycheck to the next. Payday loans often have short-term contracts with higher annual percentage rates (APRs). This article will be your guide to finding the best one-hour payday loan without a credit check.

Best Payday Loans That You Can Get in an Hour

Here are the best sites and services that offer one-hour payday loans and don’t require a credit check.

CashUSA.com

CashUSA.com connects borrowers with lenders. Borrowers will fill out a short information form that only asks for basic information such as the requested loan amount, the borrower’s address and Social Security number, and the borrower’s average income.

After completing the form, the borrower can choose from a list of potential lenders.

CashUSA.com is a free service that helps borrowers find a fast, easy payday loan to help them through the week. The loans range from $500 to $10,000 and allow for easy payment customization.

  • Loan amounts: $500 to $10,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about CashUSA today.

BadCreditLoans.com

BadCreditLoans.com is another online site that aims to connect borrowers with lenders likely to approve the borrower’s request.

Many borrowers with poor credit struggle to receive approval for loans, especially when looking for loans on short notice. BadCreditLoans.com offers a service that nearly guarantees the borrower’s approval before applying.

BadCreditLoans.com lets borrowers take out a small loan with a competitive APR. The application process takes less than an hour and connects the borrower immediately with lenders. Borrowers can receive their payday loan within a business day, depending on the lender.

  • Loan amounts: $500 to $10,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: Three years.

Learn more about BadCreditLoans today.

Payoff

The minimum credit score for a borrower using Payoff is 640. If a borrower qualifies for Payoff, the site is a great way to connect with lenders who fit the borrower’s exact needs.  

Payoff has a wide range of loan amounts, from $5,000 to $40,000, and offers a normal APR based on the borrower’s credit score and risk. After a soft credit check, Payoff connects borrowers to lenders and allows the borrower to change the loan’s payment due date twice.

  • Loan amounts: $5,000 to $40,000;
  • APR: 5.99% to 24.99%;
  • Loan terms: Two to five years.

Learn more about Payoff today.

Prosper

Borrowers with a credit score of 640 can use Prosper to get loans between $2,000 and $40,000. The site also offers joint loans to lower the APR and allows borrowers to change the payment date through the loan’s term.

The application process takes minutes, and borrowers are automatically connected to the best lenders who are likely to accept the borrower. There are over one million users who have taken out a loan through Prosper. Lenders will fund loans within one to three business days.

  • Loan amounts: $2,000 to $40,000;
  • APR: 7.95% to 35.99%;
  • Loan terms: Three to five years.

OppLoans

OppLoans skips the credit check and offers small loans and fast funding, but with high rates. The average APR for a borrower with OppLoans is between 59% and 99%, though some report APRs as high as 160%. However, if a borrower has few other options, OppLoans will fund your loan within the same day.

OppLoans aims to improve the credit score of every borrower by reporting monthly to the three major credit bureaus. They also offer financial education aiming to help borrowers boost and maintain their credit.

  • Loan amounts: $500 to $4,000;
  • APR: 59% to 160%;
  • Loan terms: Up to two years.

Learn more about OppLoans today.

OneMain Financial

OneMain Financial requires no minimum credit score but does require a soft credit check to help borrowers get the best rates with lenders through the site. All credit scores qualify borrowers for OneMain Financial’s loans, and the site reports monthly to the credit bureaus.  

OneMain Financial loans are available the same day through multiple lenders, and the site offers more than a simple payday loan. Their APR is higher than average but still affordable.

  • Loan amounts: $1,500 to $20,000;
  • APR: 18% to 35.99%;
  • Loan terms: Two to five years.

Avant

Avant will find loans for borrowers within one business day. The loan process takes less than a single hour and includes a soft credit check. Avant also has a secured loan option for those looking for loans to improve their credit score.

Borrowers with Avant can change their payment date at any time throughout the loan, putting the borrower in control and giving them peace of mind. The site also offers a refinancing option and a wide range of loan options for borrowers in all credit categories.

  • Loan amounts: $2,000 to $35,000;
  • APR: 9.95% to 35.99%;
  • Loan terms: Two to five years.

Upstart

Upstart makes it possible for anyone with a minimum credit score of 600 to get a personal loan or payday loan. After a soft credit check, borrowers pre-qualify for the loans listed on the site. Borrowers can connect with lenders to find the right loan for their situation. Most borrowers can find a loan within the hour.

After the borrower chooses a loan, Upstart will fund the borrower’s account within one business day. Their process is fast, easy, and efficient.  

  • Loan amounts: $1,000 to $50,000;
  • APR: 7.86% to 35.99%;
  • Loan terms:Three to five years.

PersonalLoans.com

PersonalLoans.com connects borrowers with lenders and requires a minimum credit score of 600 and a steady income of $2,000 a month. To verify the credit score, PersonalLoans.com will conduct a soft credit check.

After the credit check, borrowers pre-qualify for many of PersonalLoans.com’s lenders and loans. The entire process can take less than one hour. Once the borrower approves the loan, PersonalLoans.com will deposit the loan into the borrower’s account.

  • Loan amounts: $500 to $35,000;
  • APR: 5.99% to 35.99%;
  • Loan terms:Three to 72 months.

Learn more about PersonalLoans today.

What Are 1 Hour Payday Loans With No Credit Check?

A one-hour payday loan is a short-term loan from a lender that deposits money into the borrower’s account within the same business day. These loans often have high APRs, short payment terms, and little flexibility. One-hour payday loans are meant for emergencies.

The specifics of every one-hour payday loan will depend on the lender. Some lenders will let you borrow as much as $40,000 with a payback period of three years. Others lend $500 with a payback period of one month.  

Finding the best one-hour payday loan depends on your situation and your credit. If you have a low credit score, you’ll lean towards services that look at your income instead of your credit.

However, services that don’t require any credit checks (including soft credit inquiries) often have high APRs. To avoid high APRs, always thoroughly read the loan contract before agreeing to the terms.

How Do I Get 1 Hour Payday Loans With No Credit Check?

Getting a one-hour payday loan online is simple, with slight variations depending on your lender or lending service. Here’s how you can get a one-hour payday loan without a credit check:

  1. Find a lending site that fits your needs. In the section above, you’ll find several options with low rates and high ethical standards.
  2. Fill out the application. The application will require some personal information such as your address, Social Security number, and current income.
  3. Connect with a lender. The site will show you several options for lenders willing to accept your terms. Find the one that suits you.
  4. Read the terms. You’ll want to make sure that the lender is offering exactly what you’re looking for.
  5. Receive your money within one business day.

Because of the inflated rates associated with payday loans, it’s always better to first check your other options.

If your credit score is too low to be considered by other lenders, consider signing with a lending service that reports your payments monthly to credit bureaus. These reports will help increase your credit score and open up more options in the future.

How to Find the Best Provider of 1 Hour Payday Loans With No Credit Check

Finding the right lender for a one-hour payday loan is essential. Here are three things you need to work with a lender that fits your schedule.

Low APR

Payday loans are notorious for high APRs — some borrowers report paying APRs as high as 400%. To avoid high fees, look for a lending service with low APR ranges. Never sign with a lender that has a range higher than 35.99%.  

Fast Deposit 

If you’re looking for payday loans, you need the money fast. Some lenders will get the money deposited into your account the same day you sign the contract. Others may take several days. When looking for a lender, look for someone who deposits the money as quickly as possible.

Flexible Payment Due Date

Typically, borrowers pay back payday loans on their next paycheck. However, not every borrower can work with such a fast timeline. You should find a lender who offers flexible loans with flexible payment dates. Some lenders will allow you to modify the payment after you sign the contract.


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