How do I qualify for a 1 hour cash payday loan?
Qualifying for a 1 hour cash payday loan is easy with 1 Hour Cash Loan Online. Our lenders do not perform credit checks, so even if you have bad credit, no credit, or a past bankruptcy you can still qualify. These are the general requirements for a cash loan:
- Be currently employed or receive a regularly recurring income.
- Your take home pay cash is at least $1000 per month if employed or $800 per month on a fixed income.
- Your checking account uses direct deposit.
How long does it take to get approved for a 1 hour cash loan?
Customers typically receive payday loan approval within an hour or a few hours of
applying, and receive the cash loan amount via electronic
transfer overnight! In some cases you may receive the cash loan the same day within 1 hour.
Will my credit or bankruptcy hurt me?
1 Hour Cash Loan lenders do not perform credit checks on payday loans.
What about collateral?
Your job and your paycheck are the only collateral you need for your 1 hour cash loan.
Do I need direct deposit?
Yes. Your payday loan can only be processed if your paycheck is direct deposited.
Is there an application fee?
No, you will never be charged an application fee by 1 Hour Cash Loan Online. Be extremely careful
with lenders that try to charge an application fee for your cash payday loan.
Are payday loans available in every state?
At this time we are able to refer lenders from 40 states. This may, from time to time, be amended due to regulatory or other changes.
How often can I get a 1 hour cash loan online payday loan?
1 Hour Cash Loan is here to help anytime you need extra cash between paychecks. We encourage all our clients to keep in mind that a payday cash loan is a only short-term answer to an urgent cash need, and to use these loans responsibly. Pay day cash loans should not be used repeatedly to deal with continuing budgeting issues. If you need additional help with credit, budgeting or debt management, please call the National Foundation for Credit Counseling at 1-800-388-2227.
How is my cash loan amount determined?
State laws generally limit the payday loans to amounts from $100 to $500. Some states may permit cash payday loans of up to $1,500. Your actual 1 hour cash loan amount is determined by various other factors including
take home income.
What are the fees for a payday loan?
Fees vary depending on where you live and the lenders that works in your area. The fees can be expensive and may be up to $30 or for every $100 borrowed. Payday Loans and 1 hour Cash Advances are not intended to solve larger financial commitments. Should you need to borrow money for periods longer than that of your pay period, you may wish to consider seeking the advice of a credit counselling specialist.
When is the loan amount due?
Paycheck cash advance loans are usually due when you receive your next
paycheck via direct deposit. The standard time for loan repayment is
usually no less than seven days and no longer than eighteen days, though some may lend for longer durations. There usually are no penalties if you pay back your loan early, but it is best that you check with your lender to make certain of the terms and conditions of your cash loan and their policies on this and other matters.
What if I can't repay the payday cash loan in full on my due date?
Lenders usually have different payment options available for customers:
1. Paying the loan in full on the maturity date listed on your loan agreement*.
2. Paying the finance fee and a portion of the principle on or before the maturity date*.
3. Paying only the finance fee on the maturity date*.
* Some additional terms and conditions may apply. Please ask your loan consultant about all of the repayment options
1 Hour Cash Loan is here for your short-term payday cash loan needs.
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