Best Cash Loans Wired in 1 Hour & How to Get Them

Best Cash Loans Wired in 1 Hour

Life is full of ups and downs. Financial stability is the thing that many people long for, but few actually acquire. Sometimes we get into situations when cash is needed now, but sources to get it from are limited. In fact, over 60% of Americans are living from paycheck to paycheck.

If you’re in such an unpredictable and undesired place and have a bad credit score, chances are high that predatory lenders are already hunting for you. Still, don’t get discouraged. Some good research to compare loan providers and offers can do a lot to get you out! Ultra-quick loans, such as those funding clients in a matter of hours, can be especially great.

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Cash Loans Wired in 1 Hour: Best Offers

Cash Loans Wired in 1 Hour: Best Offers

Getting a loan in one hour can sound crazy and far from the truth. However, we are here to break the myth because there are cash loans wired in 1 hour with good reputations. They work best in emergencies and provide carefree ways to get money. No hard credit checks, lengthy document processing, and many requirements of traditional lenders – this and more make fast cash loans great.

Below is a list of lenders that offer cash loans wired in 1 hour. We handpicked them to show you that it’s not lost and you can use good conditions for your cash loan.

Upstart

Upstart

Best for those seeking instant decisions and 1 hour payday loans, and borrowers with bad credit. 

General description

Whether a big loan for major life events or emergency cash to cover bills, Upstart is a registered provider with loans for everybody. It’s a Trustpilot approved lender with high ratings and no effect on credit. 

Highlights 

  • APR

6.5% to 35.99%.

  • Terms

3 to 5 years.

  • Origination fee 

0% to 8%.

  • Minimum credit requirement

300 (super easy to qualify!).

  • Loan amount

$1.000 to $50.000. 

Requirements

  • Your monthly non-mortgage debt should not exceed 45%-50% of your income (depending on the area of the US). 
  • No bankruptcies in the last year.
  • No delinquent checking account.

Service

Customer support and service at Upstart are rated high and are responsive and fast. 

Pros and cons

Pros Cons
Credit history isn’t asked, as well as credit checks  Origination fee is sometimes needed
Delicate rate check with no impact on credit score Late fees
Funding fast cash loans in 1 business day on average No rate discounts
Many payment options No co-signers allowed
No hard credit check  

Conclusion

Upstart is brilliant when you aim to cover the debt or urgent bill: it is accessible for most people, has many loan features to fit into your situation and let you pay off without stress, and allows flexible repayment. It resembles Viva Payday loans with its loan amounts.

Happy Money

Happy Money

Best for clients seeking to repay credit card debt, unplanned medical expenses, high utility bills, and similar cases. 

General description

Happy Money doesn’t specialize in loans wired in 1 hour. It’s an excellent place to request one. The reason is its loyal terms for payday loans, repayment period, and seamless verification for users with low and fair credit. 

Highlights

  • APR

7.99% to 29.99%. 

  • Terms

24 to 60 months. 

  • Origination fee 

0% to 5%. 

  • Minimum credit requirement

550.

  • Loan amount

$5.000 to $40.000 (minimum amounts vary). 

Requirements

  • Soft credit check. 
  • Basic personal and contact info. 

Service

Support and guidance online stand no rival. 

Pros and cons

Pros Cons
Great APR, lower than most online lenders A 0% to 5% origination fee. 
Soft credit check Restrictions to the consolidation of credit card debts
What is needed to qualify is described online in detail  
Many types of personal loans  

Conclusion

If your expenses are connected to credit cards and medium-size purchases, Happy Money can offer a flexible and loyal loan with competitive APR. No hard credit checks are made.

Laurel Road

Laureal Road Loans

Best for seekers of urgent cash loan offers for education, college loan refinancing, one hour payday loans. 

General description

Laurel Road is willing to be a direct lender for you and help you cover student loan debt. Refinancing student loans seems less stressful, especially with cashback, pleasant bonuses, and continuous support with cash loans wired in 1 hour

Highlights

  • APR

2.5% to 6.9%.

  • Terms

5, 7, 10, 15, and 20 years. 

  • Origination fee 

No. 

  • Minimum credit requirement
  1.  
  • Loan amount

$5.000 and up to $300.000 for taking as one loan. 

Requirements

  • Good credit score.
  • Personal data, contacts.
  • Being a U.S. permanent resident or citizen. 
  • Being a graduate or in the final education term at a college with a Title-IV accreditation. 

Service

Efficient and timely. 

Pros and cons

Pros Cons
Sufficient loan amounts Origination fee is sometimes needed
Good APR Only children of parents with steady incomes or/and impressive savings can qualify
6 month grace period A 5% late fee
A $200 promotion bonus, 2% cashback  
Co-signer available (after 36 months of timely monthly payments)  
A 0.25% autopay discount  
Can include Parent PLUS loan to a student  
No origination fee & application, prepayment penalty  
Academic deferment feature: 3 months. Up to 1 year over the loan’s life  

Conclusion

Laurel Road is a perk-packed option for student loans. It goes beyond standard rules and sprinkles its offers with cashback, bonuses, and discounts. Still, you’ll need to have a decent credit score to apply.

OppLoans

OppLoans

Best for loan online seekers for payday loans with fast funding. 

General description

At OppLoans, you have all chances to get loans wired in 1 hour with no credit checks. If your credit score is okay, it’s not easy to qualify for one hour payday loans

Highlights

  • APR

59% to 160%. 

  • Terms

9 to 18 months. 

  • Origination fee 

No. 

  • Minimum credit requirement

No. 

  • Loan amount

$500 to $4.000. 

Requirements

  • Being a citizen or permanent resident if the US. 
  • Minimum monthly income (gross) $1.500.
  • A bank account with your name with at least 40 days credit history. 

Service

Quick and efficient. 

Pros and cons

Pros Cons
No origination, prepayment, or late fees Very high APR
Repayment date depends on your pay days.  Small payday loan amounts
Help in finding best rates No OppLoans credits available in Washington, D.C.
Assistance in building credit (reports to all 3 key credit bureaus)  

Conclusion

OppLoans is a direct lender belonging to the rare ones that report to all major credit bureaus (letting you increase credit score). One hour payday loans are easy to get here. This means you can build credit through the service.

MyPaydayLoan

MyPaydayLoan

Best for: borrowers who need easy application for 1 hour payday loans and quick funding with no credit check (cash loans wired in 1 hour). 

General description

MyPaydayLoan is a direct lender with a variety of personal loans up to $1.000 with same day funding and 1 hour payday loans for different needs. 

Highlights

  • APR

782% on average payday loans. 

  • Terms

A few weeks for a payday loan. 

  • Origination fee 

Varies. 

  • Minimum credit requirement

No. 

  • Loan amount

$200 to $1.000 for new users and up to $1.500 for return borrowers. 

Requirements

Being a US citizen  Being employed and verifying income Having an active and open bank account

Service

Available through multiple channels, including email and hotline.

Pros and cons

Pros Cons
Quick loan acceptance  Very high APR
100% online  Small loan amounts
Direct lender Advancement fee $30 for every $100 borrowed
Few requirements Late fee $50
Chances to extend loan contract & make loan amount increase Return item fee $25

Conclusion

MyPaydayLoan is quite a fast and secure way to get an instant cash loan. Still, it’s only good if you can put up with high fees and interest rates.

LendingPoint

LendingPoint

Best for: those catching up other loans and consolidating debts, those who need small amounts of fast cash for emergency cases. 

General description

LendingPoint is a good direct lender choice for most Americans, since the instant loan service is accessible in 48 states. 

Highlights

  • APR

7.99% to 35.99% for personal loans. 

  • Terms

24 to 72 months. 

  • Origination fee 

0% to 8%. 

  • Minimum credit requirement
  1.  
  • Loan amount

$2.000 to $36.500. 

Requirements

Proof of income & a minimum income $35.000. Social Security Number. Verified personal bank account. Photo identification with the government issued ID.

Service

Quick response through telephone. 

Pros and cons

Pros Cons
Quick loan acceptance with no credit check  Origination fee 0% to 8%
100% online  Unavailable in Nevada and West Virginia
Direct lender No co-application
Realistic requirements Late fee $50
Looks beyond the credit score and history Return item fee $25

Conclusion

If you look for small, fast cash loans by a direct lender, LendingPoint might be a perfect choice of a one hour payday loans provider.

What is a Cash Loan Wired in 1 Hour?

What is a Cash Loan Wired in 1 Hour

Loans wired in 1 hour (also known as 1 hour payday loans) are fast loans that tend to get loan approval in 1 hour after a client sends an application. These loans are mostly given by direct lenders online. They are designed to support people with bad credit who find themselves in tough situations. 1 hour payday loans allow you to apply quickly and easily.

Besides being gracious to borrowers with poor credit score and equally poor credit history, they often include no credit check. They might require no bankruptcy in the last year, employment verification, and income proof.

One hour loans can have different repayment terms: from several weeks to years, depending on the type. A one hour payday loan will need repayment in less than 1 month.

How Do Cash Loans Wired in 1 Hour Work?

Emergency loans, such as loans wired in 1 hour, as a rule, fund customers in an hour or during one business day and include a simple and no time-consuming application process. A short term cash loan lender may or may not report to credit bureaus and your task is to choose one that will either help you build credit or not.

After sending an application to direct lenders, you’ll see if the 1 hour payday loans lender approves it. One hour loans are usually accepted in 60 minutes.

What to Consider Choosing 1-Hour Cash Loans

If you face the need to choose the best one hour payday loan, please consider the following criteria:

  • Loan Amounts of 1 hour payday loans

A cash advance should match your financial emergencies and not be too hard to repay. Even if you have poor credit, getting a $1.000 to $2.000 loan from a short term cash loan direct lender makes no difficulty these days. 

  • Loan Terms of one hour payday loan

These cash advances have repayment ‘deadlines’, – for payday loans, you’ll pay back in full while personal loans wired in 1 hour may extend the period to a few years. 

  • Fees of online one hour payday loan

Whereas some online cash loans only have origination fees, others include late and prepayment fees. This, together with APR (annual percentage rate) creates the cost of the one hour payday loan. 

  • Lenders Reputation of online cash loans

The level of customer trust is extra important. Does the cash loan service have a secure website, data protection, and safety guarantees? Is it a registered lender in your state? These and other questions should be asked beforehand. 

What Are The Requirements For 1-hour Cash Loans?

To borrow money from a 1 hour payday lender, you don’t need a lot. Meet these eligibility criteria to get loans in 1 h wired:

  • Valid ID
  • Being 18 y.o. and older
  • Active checking account
  • Proof of income & employment verification 

Meeting requirements for one hour loan, you’re eligible for one hour loans (unless other is stated by payday lenders).

Application Process for Cash Loans Wired in 1 Hour

Follow several steps to get a cash loan in the necessary size wired in 1 hour. 

Decide on Loan Amount

Define a comfortable sum to borrow from payday lenders. Make sure there’s an active checking account so that cash loans can be deposited after loan approval. 

Prepare Your Documents

Get everything that you may need to specify personal and financial details at hand. 

Complete the Application Form

Make a loan request for a cash loan wired in 1 hour by filling out an online application form. In the online form, mention personal data and contacts, and attach all the necessary documents for this cash advance

Can I Get Cash Loans Wired In 1 Hour if I’m Unemployed?

Yes, you can get approved for cash loans wired in 1 hour if you have other sources of income than a monthly salary. Employment verification isn’t a must. Its proof might be needed as well. Just mention all details in the online form, be transparent about your financial state, and being approved for payday loans wired in 1 hour won’t take long.

Advantages and Disadvantages of Cash Loans Wired In 1 Hour

Pros

  • Unsecured loans.

Since no collateral is required for this type of cash advance, anyone can qualify for just cash loans and get urgent financial aid.

  • Lots of use cases.

Loans wired in 1 hour are often given without asking where you’ll put the money. For instance, you can take out online payday loans to cover medical bills, have emergency cash for home renovation, or compensate for your family members’ medical expenses.

  • Easy online application.

Almost any lending company with one hour loan options allows for an online process, unlike conventional lenders. The entire process takes minutes. Financial support is given once a soft credit check is done or your credit rating and documents are reviewed.

  • You don’t need a good credit rating.

Unlike conventional loans, some companies lend money without considering your credit score. No credit check is also popular in such types of cash advance. Moreover, they lend money 1 hour or one business day after the loan request, even for bad credit and below poor credit scores.

Cons

  • High-interest rates.

Unsecured personal loans are known for higher interest rates; the same is true for loans wired in 1 hour. Especially with 1 hour payday loans, expect sky-high APRs plus fees.

  • Chances of getting into debt traps.

While in contrast to traditional loans, these quick cash loans are simple to obtain (and there’s no credit check), it’s hazardous. Taking out a one hour loan is a breeze, but what about repaying? If you have a bad credit score, this may push you to make a new loan request at a different lending company to repay this one.

FAQs

  • How long will it take to get a cash loan wired in 1 hour?

As a rule, cash loans wired in 1 hour need nearly 10 minutes. Most of the time goes to fill in the application form for a cash advance. 

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

There’s no official info on this, but many payday lenders won’t sign a loan agreement with you if you have a few loans and aren’t paying them off. Besides, taking out many loans at the same time contributes to your bad credit negatively. 

  • Is it possible to take a cash loan in 1 hour?

Yes, lots of cash advance providers can give a loan online in 1 hour. This is possible for a borrower with an excellent to poor credit score in most states of the US.  Just watch out for an interest rate, especially if it’s a payday loan – APR might reach 1000% in such loans. 

  • Should I take a cash loan wired in 1 hour?

Now, it depends on your needs and situation. If it’s the only way to get a no credit check loan, a 1 hour loan is worth it. Such payday advances as 1 hour payday loans can help in emergencies and are much faster than conventional loans.