1-Hour Payday Loans: Direct Lender, No Credit Check Options Listed

One-hour payday loans are designed to help you cover unexpected bills, repairs, and other emergency expenses that come up between paychecks. You can get a one-hour loan quickly (hence the name) from a number of lenders, even if you have bad credit or are unemployed. The best part about a one-hour payday loan is that you’ll get peace of mind in less than an hour. The following direct lenders offer one-hour payday loans: ACE Cash Express, Advance America, Check City, Check Into Cash, Check ‘n Go, LendNation, MoneyMart, and Speedy Cash.

In This Article

What Are One-Hour Payday Loans?

One-hour payday loans are generally short-term, unsecured loans that you can receive within an hour of applying. Maximum loan amounts vary by lender, but they are typically only up to $1,000 and are set to be repaid within two to four week (or on the day you get paid). If you are unemployed, you will likely need to show proof of some sort of income, but there are a few lenders that do not require employment verification (we’ve listed them below). Most lenders will check your credit before issuing a payday loan, but there are a few no credit check options available (also listed below).

In an emergency situation, a one-hour payday loan could potentially save you money and keep your credit score intact by helping you avoid charges for things like bounced checks, overdraft fees, and credit card interest and late fees. However, payday loans come with high interest rates and their own set of fees — plus charges for not repaying the loan on time. Because of this, payday loans are not recommended as a long-term financial solution.

Where to Get One-Hour Payday Loans (Direct Lender, No Credit Check, No Employment Verification Options)

Here are eight one-hour payday loan direct lenders to investigate when you need quick cash:

Note: Be aware that if you apply online, it may take longer than an hour to see the cash hit your bank account.

1. ACE Cash Express

  • Estimated wait time: If you apply in-store, you will receive your cash within an hour of being approved. If you apply online, your cash will be deposited into your bank account as soon as the next business day, providing you apply before 6 p.m. (CST) Monday through Friday and by 2 p.m. (CST) on Sunday.
  • Credit check required? Yes
  • Minimum credit score: Varies by lender
  • Employment verification required? Yes, although you do not need to be employed to apply.
  • Application requirements: To apply in-store, you’ll need to provide a valid government-issued photo ID, proof of income, and proof of a checking account. To apply online, you’ll need to provide a valid Social Security number or Individual Taxpayer Identification Number; you also need to have a checking or savings account that’s been open for at least one month.
  • Rates and terms: See ACE Cash Express’ state-specific rates and terms 
  • Age requirements and/or restrictions: Must be at least 18
  • Source: Customer service; ACE Cash Express
  • Apply for an ACE Cash Express one-hour payday loan online or find an ACE Cash Express near you to apply in person.

2. Advance America

  • Estimated wait time: If you apply in-store, you will receive your cash within an hour of being approved. If you apply online before 10:30 a.m. (EST) Monday through Friday, your cash will be deposited into your bank account the same day. Applications received between 10:30 a.m. and 8 p.m. are typically deposited the next business day.
  • Credit check required? Yes
  • Minimum credit score: None; approval is based on multiple factors
  • Employment verification required? No
  • Application requirements: To apply in-store, you will need an active checking account, government-issued ID, Social Security number, and proof of income. To apply online, you will need an active checking account, government-issued ID, proof of income, and a valid email address.
  • Rates and terms: See Advance America’s state-specific rates and terms 
  • Age requirements and/or restrictions: Must be at least 18
  • Source: Customer service; Advance America
  • Apply for an Advance America payday loan online or find an Advance America near you to apply in person.

3. Check City

  • Estimated wait time: If you apply in-store, you will receive your cash within an hour of being approved. If you apply online, your cash will be deposited into your bank account as soon as the next business day.
  • Credit check required? No 
  • Minimum credit score: None
  • Employment verification required? Yes
  • Application requirements: You will need a photo ID, a checking account, and proof of income.
  • Rates and terms: See Check City’s state-specific rates and terms 
  • Age requirements and/or restrictions: Must be at least 18
  • Source: Customer service; Check City
  • Apply for a Check City payday loan online or find a Check City near you to apply in person.

4. Check Into Cash

  • Estimated wait time: If you apply in-store, you will receive your cash within 15 minutes of being approved. If you apply online, your cash will be deposited into your bank account as soon as the next business day.
  • Credit check required? Yes
  • Minimum credit score: None; approval is based on multiple factors
  • Employment verification required? Yes
  • Application requirements: To apply in-store, you’ll need a current pay stub or proof of some source of income, a state or federally-issued photo ID, your most recent active checking account statement, and a blank personal check. Oklahoma and Indiana residents must also provide a Social Security number. To apply online, you’ll need your Social Security number, government-issued driver’s license or photo ID, checking account number, bank routing number, and proof of income.
  • Rates and terms: See Check Into Cash’s state-specific rates and terms 
  • Age requirements and/or restrictions: Must be at least 21;19 in Alabama
  • Source: Customer service; Check Into Cash
  • Apply for a Check Into Cash payday loan online or find a Check Into Cash near you to apply in person.

5. Check ‘n Go

  • Estimated wait time: If you apply in-store, you will receive your cash within an hour. If you apply online, you may receive your cash the same day if you qualify for instant funding. Otherwise, your cash will be deposited into your bank account as soon as the next business day.
  • Credit check required? Yes
  • Minimum credit score: None; approval is based on multiple factors
  • Employment verification required? Yes
  • Application requirements: You will need proof of income, a government-issued photo ID, an active checking account, your checkbook, your most recent pay stub or your most recent bank statement, and a valid phone number.
  • Rates and terms: See Check ‘n Go’s state-specific rates and terms 
  • Age requirements and/or restrictions: Must be at least 18
  • Source: Check ‘n Go
  • Apply for a Check ‘n Go payday loan online or find a Check ‘n Go near you to apply in person.

6. LendNation

  • Estimated wait time: If you apply in-store, you will receive your cash within an hour of applying. If you apply online, your cash will be deposited into your bank account within one business day, unless you choose to pick it up in-store the same day.
  • Credit check required? Yes
  • Minimum credit score: None
  • Employment verification required? Yes
  • Application requirements: To apply in-store, you will need a government-issued photo ID, a verifiable source of income, an active checking account, and two references. To apply online, you will need an active checking account, a verifiable source of income, a valid telephone number, and an email address.
  • Rates and terms: See LendNation’s state-specific rates and terms 
  • Age requirements and/or restrictions: Must be at least 18
  • Source: Customer service; LendNation
  • Apply for a LendNation payday loan online or find a LendNation near you to apply in person.

7. Money Mart

  • Estimated wait time: If you apply in-store, you will receive your cash within an hour of applying. If you apply online, your cash will be deposited into your bank account within 48 hours.
  • Credit check required? No
  • Minimum credit score: None
  • Employment verification required? No
  • Application requirements: To apply in-store, you will need a valid checking account, a government-issued photo ID, proof of income, an email address, and an active phone number. To apply online, you’ll need to reside in California, Hawaii, Kansas, or Louisiana, and provide proof of income, a checking account bank statement, a personal check, and a valid email address.
  • Rates and terms: See Money Mart’s state-specific rates and terms
  • Age requirements and/or restrictions: Must be at least 18
  • Source: Customer service; Money Mart
  • Apply for a Money Mart payday loan online or find a Money Mart near you to apply in person.

8. Speedy Cash

  • Estimated wait time: If you apply in-store, you will receive your cash within an hour of applying. If you apply online or over the phone, your cash will be deposited into your bank account within 24 business hours — unless you choose to pick it up in-store.
  • Credit check required? Yes
  • Minimum credit score: Varies by lender
  • Employment verification required? Varies by lender
  • Application requirements: You will need a valid phone number, an active checking account, and proof of income.
  • Rates and terms: See Speedy Cash’s state-specific rates and terms
  • Age requirements and/or restrictions: Must be at least 18; 19 in Alabama and Delaware; 21 in Mississippi
  • Source: Speedy Cash
  • Apply for a Speedy Cash payday loan online or find a Speedy Cash near you to apply in person.

In Summary

One-hour payday loans are a short-term solution to help you cover unexpected bills, repairs, and other emergency expenses. They could potentially save you money, providing you pay back the loan and interest charges in full on-time. Some lenders offer one-hour payday loans with no credit check, and not all lenders require proof of employment — but you’ll likely need to provide some sort of proof of income. Keep in mind, applying online typically results in a longer wait time than applying in-store. Loan terms and conditions vary by state, so be sure to check out your state’s requirements before applying.

If none of these options are alluring to you, see our article about Same Day Bad Credit Loans You Can Get In-store or Online.

 If bad credit or lack of income is still an obstacle, see our article: Need a Loan, Been Refused Everywhere? Here’s What to Try Next.

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