Cash Loans Wired In 1 Hour


1-hour payday loans are technically the ideal loan option during emergencies—you receive feedback instantly on your application and get funded within an hour, in most cases.

However, you’ll need to see the value in how much time you save when comparing 1-hour loans to conventional ones.

For example, traditional lenders will force you to queue and submit an application followed by waiting for weeks for approval—with a possibility that the approval time taking longer.

Traditional lenders have a high rejection rate, while payday lenders such as Viva Payday Loans have the highest approval rates.

Cash inadequacy can endanger your financial stability at any time. As a result, the ability to obtain payday loans in 1 hour is a true blessing—so what are the best loans wired in 1 hour?

Best Cash Loans Wired in 1 Hour – Quick Pick

There are many cash loans wired in 1 hour, but choosing from a huge list can be a daunting process. That is why we have a list of the top five cash loans wired in one hour. So instead of choosing the best, below are the leading online loan platforms stack up against one another:

  • Viva Payday Loans – Fastest loans wired in 1 hour of approval
  • Credit Clock – Best for lower loan amounts (up to $500)
  • Money Lender Squad – Best for wide range of lender options
  • Very Merry Loans – Best for no credit history required
  • Heart Paydays – Best for instant decisions

How To Get Quick Cash Loans Wired In 1 Hour – Quick 4-Step Guide

A one-hour loan guaranteed approval is not always the case, but you can submit your application and receive a cash advance on the same day using the following steps:

Step 1. Visit a Reputable Loan Provider – Go to Viva Payday Loans and navigate to the top right corner of your screen and click “Apply Now.”

Step 2. Complete The Application Form – In the online application form, fill in your name and personal details, such as the income rates, banking details, and your monthly expenses.

Step 3. Get Your Decision – The approval process takes only two minutes, so don’t leave your screen while you’re waiting for feedback. If you don’t meet the thresholds for the loan, you’ll receive a message informing you of this.

Step 4. Receive Your Loan – If your loan application goes through successfully, you’ll receive the terms and conditions to scrutinize and sign, and it is essential that you fully understand them. The agreed cash amount will be deposited in your prefered bank account after submitting the signed agreement form.

What Are Cash Loans?

A cash loan is a short-term funding solution for customers—generally under $5,000 with a loan term of no more than two years. People apply for cash loans to meet various needs, and in most cases, lenders want to know the purpose of the loan before accepting your application. However, what’s more critical to them is the borrower’s ability to pay off the loan within the agreed timeframe.

That said, there’re restrictions; for instance, stating that you need the loan for gambling will most likely disqualify you for the loan. Cash loans purposes must be reasonable, such as medical costs, paying off bills, dental expenses, a small car, school fees, a house bond, travel costs, moving costs, debt consolidation, and so on. These loans are super-flexible, making them so popular and widely used throughout Australia.

Cash loans are consumer loans received from licensed institutions, and to operate in this field, lending firms must have the necessary licensing in place. The compulsory license is known as an Australian Credit License, and it is usually accompanied by a six-digit number, such as 440 312.

The license number must be displayed somewhere on the website of all lenders. It is critical to only deal with lenders with a credit license and showcase their license number on their websites. If you can’t find it on their webpage, you should search elsewhere.

When transacting with a licensed company, you rest assured that the loan being offered to you is legal and has the correct terms according to the government regulation. This is critical because a credit license requires lenders to observe maximum interest rates, fees charged, and responsible lending instructions. This protects you against being overcharged and other risks.

Best Cash Loans Wired in 1 Hour – Fully Reviewed

1. Viva Payday Loans

Viva Payday Loans tops the bad credit payday loan online platform. It provides borrowers with a variety of payday loans bad credit ranging from $200 to $5,000 within a period ranging from two to 24 months. This site requires you to fill a quick online application form and receive feedback in less than two minutes to know whether you’ve been approved or rejected.

If your application is accepted, you will be transferred to bad credit direct lenders to provide the fund for the payday loans. They will also ask for additional information from you, such as bank statements, proof of address, and proof of income (pay stubs).

After verifying your documents, the lender will draft and issue you with a loan agreement. If you accept the terms and conditions and sign the agreement form, will send your loan via direct bank deposit shortly. You will repay the loan through automatic monthly debit.

The interest rate depends on the lender, but most platforms offer around 5.99 % to 35.99 %. These loans do not expend on offer, but they offer their clients payday loans—the unemployed, benefits recipients, among other parties.


  • You’ll receive your payout on the same day
  • They offer loans from $200 to $5,000
  • Application and process takes a little time—5-minute application process and 2-minute approval


  • Only available in few states

2. Credit Clock

Credit Clock is a short-term loan broker that provides payday, personal, and bad credit loans ranging from $200 to $5,000. The portal is famous for its quick application and approval process—taking only five minutes with the approval in just a few minutes.

The eligibility is determined by affordability, age (at least 18 years), and proving income and address. Credit Clock’s approval process is straightforward, and those with bad credit can apply if they pass the $1,000 monthly income requirement and meet other thresholds. However, please note that this loan portal only provides loans to permanent US citizens.


  • Bad credit borrowers are eligible
  • The application process is quick—just two minutes
  • Cash is paid out in 24 hours


  • You must earn at least $1,000 a month

3. Money Lender Squad

Money Lender Squad offers low-interest, no-guarantor loans to borrowers. This platform provides payday loans and instant approval for people with bad credit. Additionally, this platform can help you find a personal loan with no credit check for up to 24 months or a quick payday loan for up to 60 days. Interest rates can range from 36% APR to over 400% APR, making it one of the best borrowers’ options.

Borrowers simply fill out an online form with their personal information and provide supporting documents to apply for a loan. There is no complicated credit check because the Money Lender Squad is primarily concerned with affordability.

Applying for payday loans with bad credit through the Money Lender Squad only takes a few minutes. All you need to do is fill out an online form with personal information, then click “Submit.” The loan application is then routed through an automated system to lenders likely to approve their loan requests.

Lenders will decide whether or not to service your request. If one of the lenders on Money Lender Squad’s panel can help, you will be directed to their website to complete the process. The lender will deposit the money into your account on the next business day after completing the registration process and signing the agreement.


  • This platform has extended loan terms
  • Fast application process
  • You don’t need a guarantor


  • A lower credit score attracts higher interest rates

4. Very Merry Loans

Very Merry Loans is an online lending portal that connects borrowers with top lenders in the United States. The portal provides access to payday loans, bad credit instant approval loans, and same-day loans that can be applied for in a few minutes and paid out in about 60 minutes.

In most cases, you’ll receive your loan from this platform in 24 hours. The broker parades a panel of the most popular lenders in the US and picks one that matches the applicant likely to satisfy their loan needs.

Their loans range from $200 to $5,000 and allow the applicants to choose a loan term that best suits their financial needs. Often borrowers pay off loans up to $2,000 (payday loans) over seven to 31 days—although extended loan repayment terms ranging from two to 24 months are also available for more significant amounts.

Interest rates differ from one lender to the next, but most offers range from 5.99% to 35.99%. To be eligible, you must be at least 18 years, an American citizen, monthly income of at least  $1,000 from a traditional job.


  • Bad credit borrowers are also eligible
  • There are extended repayment schemes
  • Loans range from $200 to $5,000


  • 30-day loans attract high interest

5. Heart Paydays

Heart Paydays payday loan platform offers full-service online loans, thereby stamping out the inconveniences of storefront loan applications. This platform’s loan application process is quick and simple.

Heart Payday completes loan disbursement of payday loans online in 60 minutes (24 hours at most) and is famous for providing loans to people who other lending platforms have turned down.

You can get a loan from Heart Payday even if you have bad credit, are unemployed, receive government benefits, or simply need a cash boost to get you to your next payday. While the platform’s primary focus is on payday loans for amounts between $200 and $2,000 typically paid off within 60 days, borrowers can receive loans up to $5,000 with a payback period of 24 months.

Furthermore, Heart Paydays is well-known for offering low APRs, particularly on short-term loans. Most lenders offering loans through the portal keep their rates competitive, with maximum APRs reaching 35.99%.


  • There are no phone calls or paperwork involved
  • Less than an hour disbursement
  • At most 24 hours to payout


  • Fees on specific loan offer that could be pretty high

Features of Cash Advance Loans

1. Easy to apply

The most crucial aspect of payday loans is their ease of availability and the application process. Several lenders believe it’s possible to offer cash in as little as 24 hours, known as quick approval payday loans, and unlike a traditional loan, payday loans don’t do a credit check.

2. Flexible Loan Amounts

To fulfil your customers’ needs, several online payday loans offer quick cash loans from $100 to $5,000.

Although it varies per lender, companies such as guarantee to match a user with a suitable lender who can handle their unique loan application.

That said, borrow according to your needs—even if it may be tempting to seek the most significant amount possible.

3. Quick Borrowing Decision

Traditional loan applicants must wait a long time for their loan approval. On the other hand,  the online system at Viva Payday Loans provides consumers with an almost immediate answer to their credit application. It’s just a matter of minutes after completing your application before you can receive the amount borrowed.

4. Fewer requirements

Most check payday loans without credit have fewer application requirements than traditional personal loans. In most cases, they demand evidence of income, an existing, legitimate bank account, personal information such as Identity proof, and age proof to obtain fast authorization.

5. No credit check

Payday loans, unlike traditional loans, do not require a credit check. And because they do not look at your credit record, there will be no complicated credit queries, which can lower your credit score by a few percent. Except in a few exceptional cases, payday loans does not help customers build their credit for the future.

Advantages and Disadvantages of Cash Loans

If you’re considering getting a payday loan with bad credit rather than a traditional loan, you might be wondering what the benefits and drawbacks are.


  • Cash loans just take a few minutes to complete—customers have their loan approvals in two minutes
  • There is no need for phone calls or papers
  • Loan sums ranging from $200 to $5,000 are available
  • There is no credit check necessary
  • Borrowers with terrible credit, no credit, or who are jobless can apply for loans.
  • There is a direct lender service design Payout on the same day, and you don’t need to wait for cash.


  • Certain loan offers may have potentially hefty costs.

Eligibility Criteria

You must fulfil the following requirements to qualify to apply for payday loans bad credit online through any of the portals mentioned above:

  • You must be eighteen years of age
  • You must possess a government-issued Identification
  • Obtain proof of a monthly income of at least $1,000
  • Must have supporting documents such as bank statements, salary stubs, and proof of address.
  • Must obtain citizen of the United States or a registered  permanent resident of the United States
  • You must have an active bank account.

Viva Payday Loans Application Process

Obtaining a benefits loan should not be a time-consuming or complicated process. Do you have a lot on your mind and would like to settle your financial situation as quickly as possible?

You have a quick and easy benefit loan application method design that only takes a few minutes. Here are the simple steps for applying for a personal loan.

Step 1- Select How Much to Borrow


Fill out the form on this page to specify how much you’d like to borrow and how long you want to pay it back. Viva Payday Loans offer loans of up to $5000 for 3 – 6 months. Make sure that you are reasonable when choosing your loan requirements and that you can pay back on time.

Step 2 – Provide Additional Information

After you’ve determined the amount you want to borrow, you’ll have to supply some more information so that the lender can decide whether or not you’re eligible for a loan. All information you submit will be kept strictly secret and never shared with anyone other than your lender and us.

Step 3 – Wait for a Decision

After completing filling the form, you will receive a verdict on whether or not your loan will be granted within two minutes. Irrespective of credit records, the majority of individuals are easily linked with a third-party independent lender. Funds are accessible as soon as the following business day if you are connected with a third-party independent lender, and further instructions will be supplied.


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About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.

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