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 April 7, 2021]

1 Hour Loans - Get a payday advance today

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

It is not every day where you will find such a confident financial services provider that aims to deliver on payday loan applications within 60 minutes. Having said that, we aim to please by giving our clients a quick, easy and convenient loan process. So much so that we 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 where we will determine if the online loan application can proceed or not. Unfortunately, if you don’t meet the preconditions requirements, your loan application will not be accessed any further. Essentially, we do everything we can to ensure that clients get their loan applications approved, but when they have been declined, we will always outline the reasons and how the clients can improve their credit score.

No discrimination

At 1 Hour Loans, we 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 us documentation that will prove to us 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 us 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’s 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 we 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 loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

1 hour Loans - fast payday loans, hassle free

We welcome people with bad credit. Having a bad credit history will not stop us 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 us know your needs

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


We expect all our clients to pay their loans on time. Should they not be able to repay back their loan, they need to tell us as soon as possible. Regardless of the client telling us 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 the personal loan if you know you will not be able to pay back on time.

Privacy for our clients

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

The clients that we assist know how much we prioritize their privacy. Having said that, we will never divulge any kind of information to anybody. In fact, our 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 with 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 our policies and procedures.

We try our 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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