Rating based on 40 reviews

1 Hour Loans

  • Bad credit loans up to $10,000
  • Low-interest starting from 12%
  • Repayment up to 24 months

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Author 1 Hour Loans. Screenshot of 1 Hour Loans website.
[Accessed May 3, 2023]

1-Hour Loans - Fast loan payouts

They have received a lot of remarks about their name. Some people have praised them for showing such a high level of confidence while some people taught they were biting a little more than they can chew. Essentially, they have let their clients be the judge because they are the most important people they are seeking to help after all.

They have made getting a bad credit loan within an hour look like the easiest task and although people call them magicians, they are simply professionals that are made of efficient and effective team members that respect the time and help clients.

They can help you

When you are stranded and in need of financial assistance, you are not in the mood to hear disappointments or what you think is an excuse. Instead, you are expecting to work with people who will go above and beyond to help you through your financial difficulty.

Bad credit

They have made people happy and have made a lot of dreams come true with their reliable personal loans. Therefore, it is only fair that they do the same with people who have a bad credit history. Bad credit can happen to the most careful people.

This just shows that anyone can go through financial difficulty but that shouldn’t give them the right to judge their ways or choices. Essentially, lenders are more concerned about how you pay at the current moment as opposed to how you used to pay your debts in the past. The most important thing is what steps you take after you have seen that you were once in a bad financial space.

Loans approved within an hour

Before accepting what is written in black and white, it is important that you get yourself acquainted with what is expected of you. If you can’t fulfil the terms and conditions, don’t take the loan.

Clients are expected to fill in an online loan application where they will state all their personal details. The application is not an approval of your loan, it is the first step. They want to know a bit more about their client and their financial and employment details.


The bad credit loan can only be granted if all the supporting documents are in line with their terms and conditions as well as their policies and procedures. Should you not meet their criteria and your loan application has been declined, they will give you the reasons why they had to turn down your application. However, you are welcome to apply at a later stage.


In order to qualify for a quick cash loan at 1 Hour Loans, clients need to be:

  • 18 years and older
  • Employed and not rely on Centre link benefits only
  • Australian citizen
  • Active bank account

There are other requirements that they look for but these may be subject to the client that they are dealing with as they all have different needs and expectations themselves.

1 Hour Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 1248% p/a
  • Loan Amount up to $10,000
  • Repayment 13 months to 24 months

Benefits of 1 Hour Loans

  • Loans for bad credit history
  • Bad credit loans
  • Personal loans for blacklisted
  • Quick online cash loans
  • Unsecured cash loans

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

1 Hour Loans - Fast unsecured loans

Clients are welcome to apply anytime for their service and they will gladly help.

Unsecured loans

There is no collateral for the loans done by their clients. This has raised concerns such as clients failing to meet their financial obligations for a long period of time. However, they trust their clients enough to not hold anything from them. They believe by doing this, their customers will see the relationship they are trying to build with them is one of good rapport and consistency. Having said that, they will ensure that they stay in good spirits with them so that they can help them in the future. Remember, when you create a bad relationship with them, you will be shooting yourself in the foot because you will make it a tad bit difficult for them to help when you need financial assistance with a blacklisted loan in the future.

Bad credit rating

No stain is too big for them to fix. They welcome clients with bad credit ratings because they believe they deserve another chance. There are a few pre-conditions you have to meet and after that, you may qualify for a long or short-term loan with them.

Agreed payment dates

The contract normally stipulates everything you have to know regarding your loan. Therefore, you won’t have to worry about remembering anything because they make sure that a client also has a copy of his own contract. The payment dates are normally dates that have been approved by the actual client, they don’t make that decision for you. Therefore, seeing that you have decided on such dates, you have to ensure that you stick by them.

Clients shouldn’t set dates they know they won’t be able to fulfil. Although they normally understand when clients are having financial challenges meeting their obligations, if it is something that is going to be happening on a frequent basis, they may have to take you to the credit bureau. Therefore, since you don’t want your name being mixed with the wrong crowd, clients need to ensure they will be more than capable to pay their bad credit loans off.

Customer Reviews & Testimonials

June 2018

I was happy to see that it only took a few hours for me to get the funds after my loan application was approved.

Thomas S
— Sydney —

November 2018

1 Hour Loans uses a convenient way of applying for credit. It takes only a few minutes to complete the application.

James W
— Albany —

June 2019

The service that the agents of 1 Hour Loans provide is out of this world. I am truly a happy customer!

Amelia A
— Newcastle —

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