Cash Loans Wired In 1 Hour


Credit continues to grow in popularity, with the amount of debt owed by Americans doubling between 2015 and 2024. A collective of 20 million Americans has debt that calculates to more than $170 billion, which only accounts for personal loans.

These personal cash loans wired in 1 hour are incredibly useful in cases where you find yourself in urgent need of cash. But sometimes, banking institutes take a long time to provide approval, considering a credit check and other criteria, to payout for these applications.

The instant payday loans can give you access to funds faster, sometimes as soon as just one hour after you get loan approval. These loans no credit check vary in value, and there are different repayment terms to consider.

Online payday loans such as viva payday loans and standard personal loans may qualify for one-hour payouts in some cases even without credit check.

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Cash Loans Wired In 1 Hour: Best Offers

There are different facilities and types of cash loans that you can consider with or without a credit check. We look at some of the most common and appropriate options in this section. 

Personal Loans

Such loans are best for people with a better credit record. There are different best loan places online that offer these services, and the loan terms are usually quite flexible because there is usually no credit check. You do need a clear payment history on your credit report if you choose to opt for a personal loan from direct lender. 

Details Of The Lender

1-hour personal cash loans can be used for a variety of purposes, including home expenses, large purchases, consolidating a payday loan, tuition, and as emergency funds. Compared to payday loans, these cash loans give you better repayment terms, fairer interest rates, and minimal fees. However, qualification for the loan may sometime mean that you need to have good credit. But not all lenders demand credit checks, so you can get thousands of dollars to sort out your financial emergencies even with bad credit.


  • Better repayment terms on cash loans.
  • Wider loan amount


  • May require credit checks



This finance platform has a system that allows you to see if you qualify for a loan without affecting your credit report. There are multiple cash loans available, including car refinance and debt consolidation services. The loan products come with their own range of funds that you can apply for. 

Details Of The Lender

For whatever purpose you need money, you can easily apply for a loan request with Upstart and get your funds ready to be wired in 1 hour. Upstart is one of the loan providers that’s modern technology-driven, applying AI and automating their loan disbursement process.

The lender offers car loan refinance and personal loans up to $50,000. You may have little to no credit worthiness and apply for a loan with the provider, enjoying favorable interest rates and no pre-payment penalty.


  • Wide loan amount.
  • Credit history not required.


  • High interest rates

Read More: Upstart Review

Laurel Road

Laurel Road Loans

Laurel Road offers a digitized system that makes it easy to apply for financial services. There is a major focus on student loans at Laurel Road, but they also offer checking accounts, 1 hour payday loans, mortgages, and instant credit cards approval

Details Of The Lender

Unlike Viva payday loans, this loan officer is a reputable lender offering cash advances to people with credit scores of at least 660. The loan amount offered by the provider is between $5,000 – $45,000.

Laurel Road’s terms are from 5 – 20 years, and they come with a very low APR of 8.99% to 24.25%. You can get your loan in 1 hour after you meet the criteria in the loan request form of the lending company.


  • Loan principal with low interest rates.
  • Long repayment terms.
  • Joint loan options.


  • High minimum loan amount.
  • Finance charges apply
  • A credit check is required



Upgrade provides a range of credit solutions that are often coupled with reward systems. The loans offered by Upgrade provide you with a fast approval process for small amounts. 

Details Of The Lender

Upgrade is one of Upstart’s strongest competitors, offering similar cash loans to credit borrowers. The finance platform gives you a cash advance or loan in the range of $1000 – $50,000, and they come with an APR of 8.24% – 35.97%.

However, you get an origination fee of 1.85% – 8.99% and an extra fee for late payments of $10. But to qualify for cash advances from this provider, you must have a fair credit history with a FICO score of 560 and above to get your loan in 1 hour.


  • Low FICO scores required.
  • Wide loan amount range.


  • High APRs and fees.
  • A credit check is required

Read More: Upgrade Review

Best Egg

Best Egg Loans

With an APR that starts from as low as 8.99%, you can keep your repayment rates low when you need access to fast hour payday loans. Best Egg also has a range of financial health products available, as well as credit card options that you can apply for. 

Details Of The Lender

For unsecured and secured installment loans, Best Egg is the preferable option for a fast loan approval process. The loan service provider runs these personal loans through Blue Ridge Bank and Cross River Bank. You can borrow as little as $2000 and as high as $50,000.

The loan terms range from 36 to 60 months, and you get an APR from 8.99% to 35.99%. To get started with a personal loan from Best Egg, you must have a minimum credit score of 600 and proof of income.


  • Average credit score required.
  • Cash loans start with a low amount of $2000.


  • High interest rates and fees.
  • Credit report is necessary



Fast funding is one of the main principles behind the loan offers by OppLoans. They’re one of the loan providers that provide a simple process and can help you establish a good credit record through the use of its financial services.

Details Of The Lender

If you want an installment loan of a small amount, OppLoans is the best merchant to meet. This online lender gives cash loans from $500 – $4000, and the best part of applying with them is that credit checks are not required.

The annual percentage rate for cash loans on this platform is quite high, ranging from 59% – 160%. Repayment terms also last from 9 – 18 months.


  • Reports to all three major credit bureaus.
  • Get instant cash approval within one hour/
  • No credit checks required from the credit reporting bureaus.


  • High annual percentage rates.

Read More: OppLoans Review 2024

What A Cash Loan Wired In 1 Hour Is

Best Student Loans for Bad Credit in 2022

The 1-hour cash loans are essentially a type of quick financing service that usually provides you access to a small number of funds. These online cash loans typically do not offer approvals for large amounts, which is where a cash advance loan and other conventional financial services come into the picture.

The one hour loans are generally approved and paid out within a period of one hour. When one hour loan is wired to your bank account, it may take a little longer to reflect.

These financial services often come in the form of one hour loans, which means you need to repay the loan, as well as any incurred fees when your salary is paid into your account. The loan market alone reached a value of $4.8 billion by 2021.

How A Cash Loan Wired In 1 Hour Works

There are a couple of steps that form part of the process when you want to access a loan wired in 1 hour with or without credit check:

  • Prepare all of the required documentation that the company may ask when you submit your application. 
  • Decide on your loan request – how much you need and when you can repay the money. 
  • Complete an online application process with your contact information and bank account details, or visit a local branch. 
  • Wait for approval for the online form. If your application process is complete and approved, the loan should be paid to you within an hour. 

Some of the documents that you may need:


In-Branch Application

Online Application

Identity document

Original and copy

Scanned document

Bank statements


Scanned statements




Proof of other income

If applicable

If applicable

Features To Consider While Choosing 1-Hour Cash Loans

While the idea of one hour loans is appealing, it is important to have a full understanding of how these cash loans wired in 1 hour work. You also need to realize that not every 1 hour loan or fast cash loan service is the same.

This is why you should understand the most critical features and eligibility requirements, such as a verifiable email address, phone number, and valid ID,  that you have to focus on when you look for an institute that offers you access to these services. 

Repayment Schedules

The repayment schedule is important. Some companies may require payments on a weekly or monthly basis from your credit card for the one hour loans. This allows you to split the repayment you have to make over a certain period of time.

With 1 hour payday loans, you have to repay the whole amount on your next salary date. Take a closer look at whether the company offers any flexibility in the repayment schedules you can choose from.

The specific schedule options may also depend on the amount you want to borrow from the financial services provider. The repayments on online cash loans may not be the same as with conventional lenders when you apply at this type of lending company. 

Loan Terms

Different terms can be used, depending on the amount you need to lend. The type of loan you need also decides the loan terms. If you cannot repay the entire amount due by the end of the month, look for longer terms. This may include repaying more fees.

It can, however, lower the amount you need to repay at a time. You should also look at the eligibility criteria and whether you need an active checking bank account to initiate one hour loans. 

Fees Charged

Instant cash loans wired in 1 hour come with fees. You pay more back than the original instant loan amount you borrow from the direct lender. You have to carefully assess the fees applied to cash advance loans. They tend to differ between various conventional 97 lenders or other types. Look at all of the fees that the direct lender applies to a loan contract.

The loan request agreement also includes financial details about the interest rate that is applied to the service. Instant cash loans wired in 1 hour often come with higher interest rates than conventional financial products. Take note of admin and service charges that the company asks too. The fees are directly related to the loan amount you apply for.

Loan Amounts

With loan requests, you need to keep in mind how much you need to borrow when you need emergency cash immediately bad credit. Compare this to the range at which the direct lender offers one hour loans. Make sure that the amount you require falls within this specific range. 

Lenders Reputation

The reputation of the direct lender is also something that you should keep in mind. Look for 1 hour lenders that are known for providing quality financial services. You might also want to see if the lender is registered to provide financial services. 

Funding Time

You want a one-hour cash loan, but some lenders may take a bit longer when you want to lend money. Ask the lender about their funding time. There may also be delays once they wire the funds to your bank account, depending on the banks involved in the process.

Read More: Everything You Need To Know About Unsecured Loans

Requirements For 1-Hour Cash Loans?

The requirements for cash loans wired in 1 hour depend on the facility you apply at. You will either fill out a physical or online application form. If you apply for traditional payday loan, then you need to provide certain documentation.

Most one-hour loans require a copy of your identity document, as well as proof of income. This can be in the form of payslips that your employer provides or the latest statements from your bank. You can sometimes send statements from your checking bank account directly to the lender.

The company will usually do soft credit checks. A direct lender approves an application for financial support faster if you have a good credit rating. You may also get the cash wired in less time and find that they charge a lower annual percentage rate. 

A cash advance loan has different requirements and may provide you with funds in your bank account faster, but it still requires a copy of your identity document. With cash advance loans, you may need to provide lateral as a security measure for a scenario where you are unable to make payments on the loan you take out.

You may also be asked about the loan amount and the reason, such as to pay medical expenses like medical bills or cover your debt payments. Some companies may require employment verification. After the employment verification, the financial aid will be paid out on the same business day in many cases.

Will 1-Hour Cash Loans Hurt My Credit?

Whether a short term cash loan will hurt your credit history depends. If you use cash advances and make the payment on time, then it is unlikely to hurt your credit score directly. On the other hand, if you do not make payments on advances or conventional loans, then it will show up on your credit report.

This entire process can cause a reduction in your credit score, making it harder to obtain credit in case of a financial emergency.

If you regularly use cash loans wired in 1 hour, then this may affect your affordability. While this does not have a direct impact on your credit rating itself, it can cause issues when you need access to larger funds in the future. This is why some people use a 1 hour payday loan as a last resort for the best credit decisions.

What Should I Do If My 1-Hour Cash Loan Application Is Denied?

When your application for cash loans wired in 1 hour is declined, there is usually a reason behind this rejection. You should start by contacting the company you applied to get a reason for the decline, as this can provide you with valuable information.

A poor credit history with multiple missed payments is often the reason behind declined one hour loan applications. Some companies may also decline your application to borrow money if they find that you will not be able to afford the installments or pay back the money within the repayment period. 

There are different credit bureaus that take consumer reports, and companies each use a specific set of these bureaus to do a credit check on clients. If you have a bad credit score, it is sometimes worth submitting one more application to a different company to see if they can give you loan approval. With this said, do not make too many applications for a cash advance or any other loan, as this can bring down your credit score.

Can I Get An Instant Cash Loan With Bad Credit?

It depends on how bad your credit is. If you have a very bad credit score, coupled with multiple missed payments in the last few months, then you are unlikely to find a facility that is willing to help you even without a credit check. In these cases, you might need to ask for a cash advance on collateral, such as valuable assets that you hold but do not want to sell.

There are some companies that do deal with customers who have lower credit scores, but there are still specific criteria and requirements to meet when you turn to these financial institutes. Make sure you consider this if you need fast cash loans with bad credit.

Get Approved For 1 Hour Loans With No Credit Check

You can get cash loans wired in 1 hour from many loan service providers online. It should be noted that going to traditional financial institutions like banks and credit unions will take significantly longer before you get your installment loans approved. This can take up to 7 business days.

But if you have urgent money problems that need to be solved within the hour, then you must go to one of the one hour loan providers listed above, whether you’re in Las Vegas or the remaining 49 states.

All you need is to log into the official website, fill out the application form, and submit the necessary documents. If you meet the general and special criteria laid by the provider, you’ll get your request approved and the loan amount wired in 1 hour to your account.

As established, you can get started on this service either with good or bad credit history, depending on the lending company.

Read More: Best Low-Interest Personal Loans in 2024

Pros And Cons Of Loans Wired In 1 Hour

There are both positive and negative factors to keep in mind when you decide to opt for a quick cash loan. When you weigh these factors against each other for these deposit loans, you can determine whether this type of loan agreement is appropriate for your needs.

Here are a few of the pros that come with a 1-hour loan online:

  • You get instant access to funds, such as a cash advance loan, which can be exceptionally useful in cases where you find yourself with a financial emergency. 
  • Some companies may only do minimal credit checks when you apply for a 1 hour loan, especially if you authorize them to do a debit order on your pay date. This can help people who have a bad credit score gain access to funds in their bank account when they are in need. 
  • Since these lenders often do not use hard credit checks, the inquiries the lenders make will not have much of an impact on your credit report. 
  • If you repay the loan on time, you may qualify for a larger amount the next time you need to send through an application. 

There are also cons of these cash loans that we have to keep in mind:

  • These cash loans wired in 1 hour often come with more fees than conventional loans and financial services. 
  • You may need to pay higher interest rates for the viva payday loans. 
  • It is easy to misuse the funds that you obtain through instant payday loans, which could result in over-indebtedness. 

Sources Used in Research for the Article:

  1. Federal Trade Commission, Payday Loans and Cash Advances,
  2. Consumer Financial Protection Bureau, What is a payday loan,
  3. Your Credit History, National Credit Union Administration,


Can I get a quick cash or 1 hour payday loans from my bank?

While some banks do offer services like online payday loans, approval can sometimes still take a while. The bank needs to perform credit checks and determine your affordability. Due to the processing time, you may want to consider an alternative option in financial emergencies, such as companies that specialize in quick online cash loans.

How many cash loans can I have at the same time?

There is no specific limit on the number of cash loans you can have at one time, but there are certain criteria to keep in mind. If you use payday lenders, do not open a loan bank account that accounts for a repayment that is more than you can afford to pay at the end of the month. After credit check, a direct lender may also decline an application if you have too many cash loans on your credit record.

How long does it take for a cash converter loan to be approved?

Some people who want to access a fast cash or 1 hour payday loans online may turn to a cash converter loan. This is usually done in person at a local branch. These quick cash loans are often approved in about half an hour to an hour and don’t need a credit check. Funds are usually also made accessible to the direct lender immediately.

Where to borrow cash or payday loan online wired in 1 hour?

There are different facilities that offer access to a one-hour payday loan. Some examples include Laurel Road, Best Egg, and OppLoans. The ideal facility to use for your 1 hour payday loan depends on how much you need and your current good or poor credit score. If you have a bad credit score, then look for facilities that offer appropriate services.