Rating based on 24 reviews

1 Hour Loans

  • Payday loans up to $1,500
  • Repayment up to 4 weeks

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

1 Hour Loans - Get a payday advance today

1 Hour Loans is a self-explanatory credit service provider. They aim to give you a response on your loan application within an hour.

It is not every day that you will find such a confident financial services provider that aims to deliver on payday loan applications within 60 minutes. Having said that, they aim to please by giving their clients them a quick, easy and convenient loan process. So much so that they have made the application to be effortlessly comprehensible to anyone who will be applying whether they are young or old.

Preconditions for a loan

There is a certain criterion, applicants will need to meet in order to be considered for a loan. It is only after this process that they will determine if the online loan application can proceed or not. Unfortunately, if you don’t meet the precondition requirements, your loan application will not be accessed any further. Essentially, they do everything they can to ensure that clients get their loan applications approved, but when they have been declined, they will always outline the reasons and how the clients can improve their credit scores.

No discrimination

At 1 Hour Loans, they don’t believe there are “good and bad” clients. Everyone is treated with the same grace, respect and care. Regardless of the good or bad credit history, you may apply for a good or bad credit loan, you are all seen in the same light and preference.

Fast payday loan services

Seeing that there is no documentation needed for your short-term loan application, this will fast-track the process for you and you will have a response in no time.

In order to qualify for a credit advance at 1 Hour Loan, you have to be an Australian citizen, 18 years old and have a constant salary that has been deposited into your bank account. In addition, you also have to give them documentation that will prove to them that you are genuinely from Australia.

Correct information

Clients need to submit an online application and ensure that they fill in the online application correctly. In addition, they need to ensure that they have furnished them with the correct information.

Lying about your details or exaggerating certain information will eventually come back to bite you. That said, the sooner you bring forward the correct and accurate information, the faster your payday loan application will be.

You must be an Australian citizen

One of the criteria that have been set to qualify for a short-term loan is that you are an Australian citizen.

There are a lot of reasons why they only assist Australian people, but the common motive would be the obvious reason for ease. People that are not from Australia tend to be difficult to trace in terms of exact home address, current location and credit history.

1 Hour Loans – Payday loan

  • Loan Type Payday loans
  • Loan Amount up to $1,500
  • Repayment 2 weeks to 4 weeks

Benefits of 1 Hour Loans

  • Payday loans
  • Quick cash loans
  • Same-day loans
  • 1-hr loans
  • Personal loans

Payday loan calculator

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

1 hour Loans - fast payday loans, hassle free

They welcome people with bad credit. Having a bad credit history will not stop them from approving your quick cash loan.

In fact, repaying your current loan timeously will slowly give you a good name. That said, the more you maintain good repaying methods, the quicker your record will be rectified.

Let them know your needs

The loan application is free and therefore, there are no charges due from the client because they are seeking to help their customers in the best way they know how. They basically want their clients to let them know what is it that they want and they then do everything they can to meet their clients halfway.


They expect all their clients to pay their loans on time. Should they not be able to repay back their loan, they need to tell them as soon as possible. Regardless of the client telling them that they will not be able to pay on the agreed date, there will be incurred fees. However, it is advisable that you don’t apply for a personal loan if you know you will not be able to pay back on time.

Privacy for their clients

Seeing that nobody wants anyone to know about their private details, it made sense to them why they had to guard their client’s details with all that they have. This way, they will be able to trust them with their information while they trust them with their money.

The clients that they assist know how much they prioritise their privacy. Having said that, they will never divulge any kind of information to anybody. In fact, their customer’s information is in safe and reliable hands.

Should you be contacted and are requested to confirm any certain private details for your emergency loan, please be advised that this will not be 1 Hour Loans and don’t divulge your information to anyone.

Terms and conditions

The terms and conditions are the prerequisites you will have to abide by if you want to be considered for a payday cash loan. Failure to do so will hinder your loan application process and won’t be regarded in their policies and procedures.

They try their level best to ensure that the terms and conditions are fair and easy to understand. There are no hidden figures and no surprises, you will see once you have taken the loan. Everything you need to know will be attached to the loan contract you applied for and accepted.

Customer Reviews & Testimonials

I heard about them through a friend and when I needed the help to get a loan they didn’t hesitate to help me get the loan that I needed.

Carmen J
— Perth —

I recommend them just for the service that they offer you. you can not go wrong.

Joan C
— Brisbane —

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