- Quick, easy and secure!
- Bad credit is considered
- Loans with no credit check*
- No upfront or hidden fees
One Hour Payday Loans - Easy Approval, No Hard Credit Check
You can get simple, fast, and secure payday loans online with Money Zap. Most lenders provide an instant decision, so you can get a cash advance as soon as the next business day.
Get in touch with a direct lender online to get payday loans online with Money Zap.
What Are 1 Hour Payday Loans?
Have a short-term cash emergency? A traditional bank loan could take days or weeks to send you the money - and that’s if you get approved. You can get fast cash with a payday loan.
A payday loan is a short-term loan that can range from $100-$5000, payable within the next paycheck up to 6 months. It requires minimum requirements and allows you to get cash fast.
So if you need the money right here, right now, 1-Hour payday loans are for you.
Payday loans are kind to everyone, even if you have a bad credit history. There are no traditional hard credit checks. With the fast development of technology, borrowers can now quickly get loans online. With almost instant loan approval, one-hour payday loans are accessible to everyone.
Online 1 Hour Payday Loans - Loans for Bad Credit
Bad credit, low FICO score, high-risk borrower, loan disapproved, failed credit check- these sound familiar? Do banks turn at the sight of your low FICO® score, not even reading one line of your loan request? You may feel like because a traditional loan is out of your reach.
Fear not—there's hope! 1 Hour Payday Loans do not need any complicated documents for a credit check because there is not one. Applying for Money Zap online loans will not affect your FICO® score and will not register a credit check with the three primary credit bureaus.
While other lenders might request a full credit report from a primary bureau which can make your credit score go down, this is not the case with Money Zap.
To us, your credit history does no matter- only essential information about your present status. We value your privacy and your ability to repay your loan as you promised.
Online 1 Hour Payday Loans With Money Zap
With traditional loan borrowing, you need to find direct lenders one by one by yourself in the streets. Money Zap makes it more accessible. Money Zap has strong connections with the top payday lenders in the business. Money Zap connects you with the best lender to help you.
Money Zap is available 24 hours, 7 days a week on your phone, tablet, or computer. We offer no fax payday loans, and you only need to fill up one short online application form. You'll get an instant decision, and once approved, your money is withdrawable from your bank account as soon as the same business day.
Is This Legit? How Are One-Hour Loans Possible?
Big Thanks to the Top Direct Lenders
Payday loans are direct lending, person-to-person, with no bank involvement. You only need to convince small-medium scale, online lenders - no hard credit checks. No more pleading large banks run by multi-national corporations and strict credit bureaus! That's how getting a loan within an hour is possible.
Online Loan Banking
A 1-hour loan is now made easier by online banking. The online application processing allows lenders fast application review and loan approval. Once approved, you and your lender can also sign your agreement online, hassle-free.
Payday Loan Lending Structure
Loanable amounts for one-hour payday loans are small. They are for cash emergencies only, not for making big purchases. Your loan is only a small part of your lender's money. This lowers the risk for lenders.
Many people apply for payday loans. The number of loans makes up for the possible losses from the few who fail to pay on time. So although payday loans may be high-risk to lenders, they are still profitable that way. This is why it's not hard for them to give out loans in such a short amount of time.
Payday Loan Interest Rates
Payday loan interest rates are higher than traditional loans—that is true. But the fees are within reason. The fees repay lenders for taking the very high risk of lending even to low credit borrowers that banks would turn away from.
For you, the fees pay for the accessibility, fastness, ease of transaction, and security that payday loans provide in times of dire need. It's like thanking your direct lender for saving the day!
Not a Scam; Legit and Dependable
Payday loans are easy, fast, and secure, but not without consequence; this makes them real and legit. They are not scams because they are not too good to be true.
It makes getting an online payday in one day - on such short notice possible and easy. It does not do hard credit checks on your credit history. No one else does this except payday loans.
It is a convenience that you pay a fee for - not an unbelievable miracle shot down from the sky.
How Can I Get a Loan in One Hour?| Easiest Online Payday Online With Money Zap
- Step 1: Fill up a 5-minute loan request with personal details and account number.
- Step 2: Choose a loan package with a direct lender, and sign a contract or loan agreement.
- Step 3: Wait for cash advance deposit of loan amount within 24-48 hours.
The eligibility criteria for 1-Hour Payday Loans are as follows:
- Must be at least 18 years old.
- Must be a US citizen.
- Must have a steady income (it can also be social security benefits).
- Must have an active bank account or checking account.
- Must have an active email address and phone number.
You don't need good credit to get a 1-hour payday loan with Money Zap. Direct lenders only ask for your basic personal details and proof of income. Your credit history does not weigh in on your application at all.
To request a loan, you will only need:
- A government-issued ID such as your Driver's License, passport, or social security card;
- Proof of income
You can get your 1-hour payday loan as soon as the same business day. You will only need 5 minutes for the online loan application and wait for the loan decision within an hour. Once you get approved, you will receive your cash loan amount as a direct deposit within the day or the next business day.
If you can't repay your short-term loan on time as agreed, some lenders allow you to extend your term period for a fee. But if you're thinking of no paying your direct lender at all, don't. Although your online payday loan is without collateral, do pay on time. Direct lenders have your bank account details. Your lender will collect your debt with the help of either debt collections or court orders.
So be nice, and pay hour helpful lender on time. Okay?
No. Applying does not affect your FICO credit score.
Money Zap offers 1-hour loans with no credit check. Get a loan in less than an hour, receive cash in the account as soon as 24 hours.