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1-Hour Payday Loans for Bad Credit in 2021 – Blog

Traditional loan lenders can take days or even weeks to approve a loan, not to mention the tiring paperwork that adds to the stress. But with online money lending platforms, you no longer have to run after lenders to get your loan approved in times of need.

The countless perks of opting for these platforms include hassle-free loan request submission from the comfort of your home, fast transfer of funds, multiple loan offers, no credit check (for 1-hour payday loans), a fixed APR range, free-of-cost service, and much more.

In this article, we have compiled a list of reputable and trustworthy loan lending companies that have several potential lenders in their network. With these platforms, you can find a prompt solution to your problem without any further delay.

However, it is pertinent to mention the companies reviewed below only serve as a bridge between the borrower and lender and do not lend the money themselves. Therefore, once the platform performs its job, it steps aside.

1-Hour Payday Loans for Bad Credit Online [Full Reviews]

  1. MoneyMutual
  2. CashUSA
  3. BadCreditLoans
  4. Personal Loans

For more details on how each of these companies works, keep reading.

#1. MoneyMutual

When it comes to the fast transfer of funds, MoneyMutual takes the number one spot. However, there are numerous other reasons why we consider this platform the best.

First of all, with MoneyMutual, you will never run out of options, as it has more than 60 potential lenders in its network. They can lend you up to $5,000 on short notice.

To date, MoneyMutual has helped more than two million people get out of financial trouble, which proves the reputability and trustworthiness of this platform. This is further evidenced by the fact that many have left customer reviews vouching for their free-of-cost service.


This site is the best option for those looking for a one-hour payday loan, as it has numerous short-term lenders willing to lend the amount required without any unnecessary hassle or a credit check pull.

Therefore, if you are over the age of 18, are a U.S. citizen, have proof of steady income, and have an active checking account in your name, you are eligible for a loan with MoneyMutual.

The process starts with filling out the application form that initially requires information about your residency, employment, and ability to repay the loan. Now, with all of the personal and financial details you will have to provide, you may have concerns of the safety of your information.

However, you have nothing to worry about with Money Mutual, as it uses a fool-proof security system — “256-bit encryption from Norton Secured” — to ensure your information stays private and secure.

As soon as you hit “submit,” the platform starts performing its job. Your request is circulated among the lenders available, and in no time, you will start receiving offers. Once you receive an offer that fits your requirement description, feel free to take your time reviewing all of the terms and conditions in detail.

If, after going through the offer, you do not find it suitable, you can turn it down without penalty.

However, if you find it coincides with your needs and you accept it, you will then be redirected to the lender’s website for further proceedings. At this point, the lender might ask for some additional information and, finally, your e-signature.

After finalizing things, you will receive your loan money within 24 hours directly in your bank account. Then, you will have to pay back the amount over the term decided by you and your lender.


  • Fast transfer of funds
  • Vast network of lenders
  • Loans up to $5,000
  • No credit check required
  • Quick loan approval


  • Not a direct lender, so loans are not guaranteed

Customer Feedback

Users of this platform have had a lot to say in support of MoneyMutual. Customer reviews from several sources also confirm MoneyMutual is a legit source that can save you from falling prey to predatory lenders out there.

⇒ Visit the Official Website of MoneyMutual

#2. CashUSA

CashUSA is mainly known for providing personal loans of up to $10,000 to people in need. However, this platform has no limitation to its resources when it comes to helping people out in urgent times.

With its vast network of trustworthy lenders and external marketing partners, it always comes up with a suitable solution for your financial needs.

While other traditional lenders can be costly, CashUSA ensures the lenders in its network charge you with the given APR range — 5.99% to 35.99%. Therefore, no matter what fluctuations take place in the market, you will not be affected.

Moreover, the loan request submission process is quite simple, and it will not take more than five minutes of your time.


To get started with your loan application, you will have to visit CashUSA’s official website, where you will be asked to fill out a simple form.

The very first page will ask you about the amount you want to borrow, and the following pages will require information, such as proof of U.S. citizenship, your social security number, a steady income source, your locality, and date of birth, among other things.

You do not need to worry about the protection of the details you provide, as your personal information is in safe hands. CashUSA has employed industry-standard encryption to protect your data from slipping into the wrong hands.

This whole process may seem lengthy, but you will be finished with submitting your request in a matter of a few minutes. Then, you can relax and wait for the offers to come in from different lenders.

Once you receive the offer of your choice, you can finalize it by reviewing the T&C’s and signing the agreement to get your funds within a day.

In the case that no offers are given, a small portion of your personal data will be transferred to third-party agencies by CashUSA to provide you with an alternative solution, such as debt relief or bad credit repair.

You can also benefit from the education center provided by CashUSA to get a better insight into credit, financing, banking, and debt issues. When we visited that section, we found some pretty helpful articles on how you can manage your budget, loans, and debts.


  • Fast transfer of funds
  • Easy repayment of the loan
  • Free of cost service
  • Education center contains useful articles
  • Auto payment options offered


Customer Reviews

We looked through various credible sources to ensure we were right to recommend CashUSA, and it added to our confidence, as it provided multiple reasons to trust this platform.

Therefore, consider the information verified, and feel free to take a step ahead and trust CashUSA with your money needs.

⇒ Visit the Official Website of CashUSA

#3. BadCreditLoans

If you have been searching for the best short-term loans, look no further than BadCreditLoans. During emergencies, this platform can lend you a helping hand by requiring the minimum amount of personal information.

BadCreditLoans is well-praised for providing uncomplicated loans in record timing. In addition, its easy-to-use website makes it straightforward to apply for a loan and attain financial support as quickly as possible.

Scams are inevitable in online dealings, but luckily, the company seems well-aware of the issues. On its official website, it has already confined an entire section to alert you about several scams to ensure “easy, fast, and secure loans.”

Loan lending can be quite tricky, but here, you are again offered free of cost help in the form of a detailed guide, which is not only about securing a loan but also about spending it wisely and returning it in a timely manner.


It is quite easy to apply for a loan from the official website of BadCreditLoans. Simply fill in the online form and provide the information regarding your age, citizenship, and source of income, among other things. Soon, you will enter into the extensive network of many payday lenders and banks who will offer you loans despite your bad credit.

You can get loans as quick as one business day by qualifying for the eligibility criteria. Most likely, you will be approached by various lenders with loan offers in just a few minutes. Choose the one which is the most suitable for you in terms of interest rates and repayment schedules.

The different lenders will have varying terms and conditions and fees, and you will be entitled to them once you accept any offer by providing your e-signature. The repayment schedule is different for every company, while the loan term may vary between 3 to 36 months.

It has whatever you need for all of your monetary issues, offering from $500 to $10,000. Depending on your circumstances, you can go for smaller or larger loans. When you are barred by other lenders due to bad credit-related issues, BadCreditLoans can be your way out.

Moreover, you are under no obligation to accept any offer which does not match your needs. However, once you sign a contract, you are obliged to that lending company’s terms and conditions. So, we always put high emphasis on comparing and reviewing different companies to make the best decision.


  • Honest platform for comparing rates
  • Offers loans to bad credit holders
  • Well-informed blog posts offered


Customer Reviews

BadCreditLoans has been helpful to people with poor credit histories, as evidenced by their customer reviews. Their customer service is also remarkable and praised by everyone.

Although the interest rate may be higher, you are never rejected because of your credit history, as the company goes to every extent to provide you with a loan.

⇒ Visit the Official Website of BadCreditLoans

#4. Personal Loans

As obvious from the name, this loan lending platform mainly focuses on personal loans. From auto-repair to rent and medical bills, Personal Loans has lenders to provide you with immediate assistance.

To help people from falling victim to exorbitant interest rates, the company has fixed an APR range — 5.99% to 35.99%. The lenders in its circle are not allowed to charge more than this, irrespective of market fluctuations and bad credit.

On the official website, the company has also stated examples of how APR will be charged depending upon how much time you take to repay the loan. For example, for an $8,500 loan, the APR charged will be 6.99% if you decide to pay it back within two years. Simply put, the total amount you will have to pay back will be $9,132.68.


You start with the typical loan application, which requires you to submit personal information like your age/date of birth, employment history, last four digits of your SSN, and your email address. It will also ask if you are an active military member or not.

The good thing we noticed about Personal Loans is that its website is full of useful information, and for everything asked, a solid reason is stated. This makes you confident that whatever information you are providing is for loan lending purposes only.

On submitting your request, lenders will start sending you offers. Now comes the step that requires most of your attention. You may think you will simply have to read the agreement and finalize it; however, you should look at all aspects critically before signing the offer.

For example, if a lender has sent you an offer with short repayment terms, you should ask yourself if you have the sources to pay it back that soon. Also, you may want more time, and a loan with an extended repayment period will help with that.

Personal Loans‘ lender community is generous enough to offer flexible repayment terms. Therefore, if you are afraid you will not be able to pay back the amount on the due date, feel free to state the situation to your lender and request a later courtesy due date. This will save you from negatively impacting your credit.


  • Trusted by numerous customers
  • Offers larger loan amounts
  • Flexible repayments terms
  • Easy-to-navigate website


  • No one-hour payday loans available

Customer Reviews

Personal Loans’ customers have emphasized how reasonable the APR is compared to the other big banks. Many of them have also appreciated that everything was according to the agreement, and there were no hidden fees.

⇒ Visit the Official Website of Personal Loans

#5. Bills Happen

As the name suggests, this is the platform that understands that, inevitably, bills happen, and they do not care whether you have a budget or not.

So, if something sudden and unfortunate has impacted your monthly budget and you need cash immediately without any hassle, Bills Happen is the option for you. It is yet another platform on our list that links borrowers with potential payday lenders from its network that can lend up to $5,000, irrespective of having bad credit.


With Bills Happen, you can save a lot of time and effort, as all it takes is submitting a simple loan application from the comfort of your home.

So, no matter where you live (within the 50 states of the U.S.) and what time it is, you can log on to Bills Happen’s official website and request a loan. The basic requirements of the platform to qualify for a loan include your state driver’s license, SSN, phone number, a personal bank account, home address, and income source (to know you will be able to pay back the loan amount). You must also be 18 years old or above.

The rest of the process is similar to other loan lending platforms, as discussed before. You start with providing all of the information required and then wait for lenders to contact you. On receiving the desired offer, you finalize by signing the contract. Then, the funds are transferred to your account within one business day.

A fixed range of interest rates is not specified by the platform. Therefore, it will vary depending upon the condition of bad credit history. However, do not worry about any hard credit pulls, as the company ensures only a soft credit inquiry will be performed once you have approved terms and conditions.


  • Welcomes people with all sorts of credit scores
  • Funds transferred within a day
  • Extensive lender network


  • Not a direct lender
  • Insufficient customer reviews online

Customer Reviews

As we checked through the web, we realized reviews about Bills Happen are scarce. However, one thing that adds to its credibility is that many reputable sources have been seen promoting it. Also, the platform is yet to be accredited by the Better Business Bureau as well.

⇒ Visit the Official Website of Bills Happen

#6. Credit Loan

With numerous positive feedback, Credit Loan is one of the best options to consider for a personal loan of up to $40,000. But, that is for excellent credit holders only. The community we are addressing, particularly in this article, might not fit in this category.

However, there is no need to worry, as Credit Loan also has a section explicitly made for bad credit holders. Therefore, no matter what the condition of your credit report is, lenders from the Credit Loan community will help you. However, the limitation is that you can not borrow more than $5,000 with bad credit.

Many reputable names have vouched for this platform, which ensures its credibility. In addition, Credit Loan provides financial assistance in the form of loans, but it also educates its visitors as to how they can achieve financial freedom and, consequently, peace of mind.

Since 1998, more than 33 million people have benefitted from the free-of-cost service the platform has been tirelessly providing.


The process is quite simple and smooth. You start with applying for a loan online through the official website, where you are initially asked about your state and residency, your age, and your source of income — details like when and how often you are paid and whether it is benefits you are living on or a permanent job.

However, please note that if you reside in New York or Connecticut, your application might not be entertained.

Once you have provided all of the required information, the platform does the rest of the work. The next step is to review the proposals sent by the lenders. If you find a suitable bid, you can accept the terms and conditions of the loan. Then, you are directly engaged with the lender, and the platform steps aside.

However, remember that before you proceed with anything, you should read the agreement carefully.  A few customers have complained about the interest rate and fees charged by the lender. However, the lender had mentioned everything beforehand. So, this happens when you do not pay close attention to what you are signing up for.

After you have signed the contract, your funds are sent to your bank account within 24 hours. Sometimes, it might take more than 24 hours, depending on the mode of transfer chosen by your lender.


  • Reputable source
  • BBB accredited
  • Trusted by millions of customers
  • Secure site


  • Does not accept applicants with any history of bankruptcy
  • Not a direct lender

Customer Reviews

When it comes to customer reviews and expert opinions, Credit Loan leaves everyone behind. It has a sterling A+ Better Business Bureau rating with no complaints filed to date. It has also been featured on Forbes, the New York Times, CNBC, and

Numerous verified positive reviews on its official website can also be seen. Overall, we can confidently recommend Credit Loan to those in dire need of financial assistance.

⇒ Visit the Official Website of Credit Loan

#7. Cash Advance USA

Are you in a hurry? Do you need cash-in-hand immediately without having to go through the harsh credit checks? Then, Cash Advance is the unquestionable solution for you.

This company has been in the business since 1997 and has helped multiple people in times of need. The lenders from Cash Advance can give you up to $1,000 without asking for your credit score. However, remember that such loans come at a higher interest rate.


Since lenders of this platform do not make you wait for the money, they expect the same back from you too. How? They do this by obliging you to return the loan money back within two to four weeks, inclusive of the interest rate and in full.

While your emergencies might propel you to go for this option, we would recommend you reconsider your decision and ask yourself if you will be able to pay it back in time.

If you are 100% sure it is suitable for you from all aspects, then fill out the form, wait for the offers to come in, accept the best one, and get your money.


  • No credit check
  • Fast transfer of funds
  • Free of cost service
  • Secure site.


  • High-interest rates
  • Not a direct lender

Customer Reviews

Although there is a lack of reviews regarding this platform, a few people have been found to appreciate their fast and straightforward service.

⇒ Visit the Official Website of Cash Advance USA

Things to Consider Before Taking Out a 1-Hour Emergency Loan 

Like everything else in the market, loans come in various types and sizes, which may make the task of setting out to apply for one pretty daunting.

So, to help you choose, we have put together a list of six essential things you need to consider before taking a loan. This way, you will have a clear idea of what to expect and know exactly what you are looking for.

  • Do You Really Need a Loan?

First, you need to assess the situation and ask yourself whether you really need a loan at all. Is it possible you can get by without taking one? Are you taking one to splurge on unnecessary luxuries? Are you hasty, and could a couple more months of savings do the job? These questions are essential and require consideration before taking a loan.

  • What Are the Interest Rates?

As you already know, when buying something readily available, it is always a good idea to peruse the market and purchase the best deal offered.

Likewise, one should assess the different interest rates offered by different lenders, and select the one with the lowest rates. This means you will not have to pay a larger, extra sum of money on top of what you already owe the lender.

  • Which Type of Loan Will You Be Taking?

You will find various types of loans available at your disposal; therefore, you must select the one most suitable to your situation. This depends on many reasons, the most significant being what you intend to do with the money. If you want to buy a car, you will need a personal loan, but you can go for payday personal loans if you have some immediate small bills to pay.

The type of loan you choose also plays a part in the amount of interest. For example, payday and personal loans have higher interest rates than mortgages. It is understandable to feel intimidated by all of the choices. But, you can always seek help from financial advisors that can guide you in the right direction.

  • Will You Be Able to Repay the Loan?

As obvious as it may seem, we still have to remind you that the significant factor to consider before taking the loan is your financial situation. Will you be able to pay the installments on time without adding pressure to your finances or yourself? Do you have a steady income that will last? It is better to take on a smaller loan and pay it comfortably than a larger one.

  • What Is Your Credit Score?

This plays a massive role when you apply for a loan, because money lenders use this score to conclude whether or not you will be able to pay the loan. A good credit score results in a good outcome and higher chances of your loan getting approved with low APR, whereas a bad credit report puts you at a disadvantage.

  • What Is the Length of Your Loan?

Your repayment period determines the total cost of the loan and the amount you will be repaying per month. The longer the length of your loan, the less you will have to pay per month and vice versa. So, one must responsibly pay their dues each month on time, as penalties are applied otherwise.

Alternatives to Payday Loans for Bad Credit Holders

Payday personal loans are expensive because of high-interest rates and associated expenses. Rather than resolving your difficulties, they may possibly push you deeper into debt.

However, like with anything, everything has a solution, and there are several worthwhile options if you do not want to go for a payday loan.

It is always a good idea to save some money every month for emergency situations. If you encounter one, it is preferable to use your savings rather than go for expensive payday personal loans. This is because in the long run, these loans will always leave you in more financial problems.

It is quite improbable that you can ever make more interest on your savings than you would on a loan. That means spending your resources will almost always be less expensive than borrowing money, particularly a payday personal loan.

  • Take Out a Loan from a Credit Union

If you are a credit union member, you already have a good option readily available. If not, you can apply for a membership with easy terms. Credit unions consider factors other than your poor credit score when determining your eligibility for a loan.

They consider your relationship with the firm, your earnings, and your credit history. However, it may take a few days to a week for the credit union to grant you a loan.

  • Ask Your Friends and Family

Moreover, you can seek assistance from close friends and relatives to pay for outstanding expenses or car repairs. You and your partner can agree on simple terms and conditions and select whether to pay in full or in installments. Additionally, as a thoughtful gesture, you can tell your pals you will assist them in their times of need.

  • Ask for an Advance Paycheck

Another option is to request an advance paycheck from your employer. Unless you have claimed benefits and are expecting payment, you can ask your employer for a short-term advance, which is often returned from your income. However, it is critical you manage your expenses following the deduction from your next month’s salary.

  • Look for Alternative Money-Making Opportunities

Always explore an alternative source of income before applying for a payday personal loan. For instance, you can sell your clothing, shoes, decorative goods, or other non-essential items around the house.

If you require a significant amount, you can also sell your jewelry. In this manner, you can avoid the harmful process of repaying a large sum under the guise of a payday personal loan.

FAQs: 1-Hour Payday Loans

Q. Why Are Payday Loans Not a Good Idea?

Payday personal loans may be able to supply you with rapid infusions of cash that will allow you to make it until your next payday. However, because of the high fees and interest rates associated with these loans, consumers may be financially crippled in the long term and find themselves in a “cycle of debt.”

Q. Is It Possible to Obtain a Payday Loan from Two Distinct Places?

If you already have a payday personal loan, you are permitted to request another. However, this does not guarantee a lender will grant you a second loan. Prior to a lender giving you a loan, you will have to allow them to run credit checks on your application for a loan, which might affect your credit score.

Q. How Do Payday Loans Work?

The funds are sent immediately into your checking account after you meet all basic requirements. Then, you pay back in full at the end of the month, including interest and fees. However, now you can borrow for an extended period of time, like three months, and you can repay in installments.

Q. Is It Possible for Payday Loan Companies to Sue?

Yes. If you fail to pay your debt, a payday lending company may sue you in civil court. To bring you to court, you must be behind on your payments and in breach of the terms of your loan arrangement.

Q. What Are the Drawbacks of Bad Credit Payday Loans?

Bad credit payday loans are problematic because they have extremely high interest rates and costs, trapping consumers in a destructive spiral of financial difficulties. Numerous payday lenders are exploitative, and consumers struggle to repay them, becoming trapped in an endless debt cycle.

Q. What Happens if You Default on Your Payday Loan Repayment?

A delay on payment loans can result in bank overdraft costs, collection calls, credit penalties, a day in court, and paycheck confiscation. So, if you feel like you can never refund an online payday loan because your bills are excessive, it is time you should consider expert financial assistance.

Q. What Factors Do Payday Loan Lenders Consider?

Lenders only check if you have a steady source of income. Most of them do not consider running a credit check, making bad credit payday loans a favorable option for those with either no credit history or a bad credit score. Identification, a bank account, and a stable paycheck are usually the basic requirements.


Not everything goes according to our plans. Sometimes, unforeseen events upset our budget and require us to get immediate financial assistance. In such circumstances, one-hour loans can come in handy.

However, finding a trustworthy lender is also a tiring job. But, this is not the case anymore. As long as we have these online loan lending platforms, getting funds in time is just a click away. So, stop running after different lenders tirelessly, as now you can get it all done from the comfort of your home.

Especially if it is your first time looking for a loan, you might find it a bit daunting. Thoughts like “what if my personal information is used for wrong purposes?” might lurk in your mind, but you do not need to worry. We have only added those platforms to our list that are secured with the help of the latest technologies.

So, feel free to go through our FAQ section to find answers to your other related questions.

Source: on 2021-09-15 15:07:30

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