1 Hour Loans

Ascin.Com offers emergency payday loans with 1 hour decision! Guaranteed response! START NOW!

What Are 1 Hour Loans?

One-hour loans are short-term cash advances that a borrower gets from a direct lender. A one-hour loan is an emergency loan that can help you solve a short-term issue, such as paying the bills, covering for medical expenses, financing car or house repair works.

Contrary to popular belief, a one-hour loan doesn’t necessarily mean that you will receive the cash in one hour. With this type of loan, you may receive a same-day deposit if you are eligible, but that is not guaranteed. However, payday lenders will give you a loan decision within one hour for this type of loan. If the answer is positive and you got it by noon, you have chances of receiving a direct deposit on the same day. If you receive loan approval later, your loan will be processed in one business day. To obtain the money in one hour, try a storefront loan at a nearby location.

What Options Do I Have for a Fast Loan?

If applying for traditional loans is a time-consuming process, and you are after a one-hour loan, you can consider one of the options below.

Cash advances. You can apply for these loans online, in-store, or via apps. Applying for payday loans online is fast and easy. All you need is a computer, a laptop, or a smartphone. If you apply through a referral service such as ASCIN, you reach out to a network of payday lenders. That means your application reaches an entire network of lenders, thus maximizing your chances of getting approved. Applying to payday loans in-store has its advantages. First of all, face-to-face communication will get your questions answered sooner. Secondly, you could walk out with the loan, provided that you get approval from the lender. Some companies have apps through which you can request a small-dollar loan amount until your next paycheck.

Pawnshop loans can be considered fast loans. They are similar to payday loans as far as speed and verification are concerned. To take a loan from a pawnshop, you need to use a valuable item as collateral. The bigger the object’s value, the easier it will be for you to obtain a loan that is half of its retail price.

Title loans use your vehicle title as collateral. The vehicle must be entirely paid off when you apply for the loan. The most common examples include cars, boats, motorcycles, and trucks. There is usually a fee for the service, and the repayment terms are within 30 days. If you encounter difficulties repaying the loan according to the terms, the lender has legal rights over your vehicle.

Borrowing from friends or family is rarely a good idea. If you go down this path, make sure you set up clear expectations and pay back the loan on time. While family members perform no credit check, it would be a pity to ruin your relationships because of a loan.

When Should I Take a 1-Hour Loan?

A short-term loan is a sensible solution when you are dealing with a financial emergency. For example, when your bills are higher than expected and you don’t want debt to pile up, a payday loan could be the right option. Another situation could be your car breaking down. If you need the vehicle to drive to work and pick up your children from school, it makes sense to take a loan and finance the car repair. If you need to change some rusty pipes to avoid a plumbing issue, a 1-hour loan could save the day. Borrowing money to pay the rent and avoid being evicted is another serious reason to consider a payday loan.

Payday loans are not recommended as long-term solutions due to their relatively high cost. They were created for short-term emergencies and should be used accordingly. Traditional loans are cheaper, but the process of obtaining a loan is more time-consuming. Borrowers resort to payday loans when the timing is sensitive, and they need money as soon as possible.

You might want to consider one-hour payday loans if you have a bad credit history. Traditional financial institutions rely on credit scores to decide whether you are eligible for a loan. Payday lenders are more relaxed from this point of view. If you need a loan and traditional institutions rejected your application, you may have a second chance with a payday loan.

What is the Best Loan for Poor Credit?

Payday loans are the most accessible choice for people with bad credit. If you have poor credit, banks and credit unions will most probably not approve your loan application. They would be more open to considering a loan secured by collateral or one in which a co-signer would vouch for you. Cash advances are easier to get approved for, even with a low credit score.

The most significant difference between traditional financial institutions and payday loans is the way they check your credit history. Banks pull your entire credit history from the three main credit bureaus. They also report back that you have applied for a loan, which affects your credit score more. Payday lenders only perform a soft credit check. That means they do not typically pull reports from the three credit bureaus, nor do they report back to them whenever you apply for a loan.

The ease of access comes at a cost. Payday loans come with a flat fee between $15 and $30 for every $100 borrowed. Thus, for a $300 loan at an interest rate of $15, you would have to pay back $345. Lenders expect the full amount in one lump sum as soon as you get your next paycheck. The repayment terms for payday loans are from two to four weeks.

Why Apply for a 1-Hour Loan with ASCIN?

ASCIN is an online referral service that connects borrowers with a trustworthy network of direct lenders. As a result, one application reaches hundreds of lenders, thus improving your chances to get approved. This fact puts more pressure on the lenders, which means that they compete for your business. As a result, they process applications faster and keep improving their services.

With ASCIN, you can apply for a loan online. All you need is a personal computer, a laptop or a smartphone, and an internet connection. We ensure a secure connection at no additional cost. That means your personal data is safe throughout the entire process. Applying online will save you time and effort.

Direct lenders go through requests fast. As a result, you will typically receive an almost instant decision on your application. The process is optimized for online processing, and no faxing is needed. If you get approved, and everything runs smoothly, you can receive the funds the next business day.

What Are the Requirements for a 1-hour Loan?

To qualify for a 1-hour payday loan, you must meet some minimal requirements:

  • Be at least 18 years old;
  • Be a US citizen or permanent resident;
  • Show proof of employment or steady monthly income;
  • Have a valid checking account. The lender will transfer the money to the bank account that you provide at this stage. Make sure the details are accurate;
  • Provide contact details: an active phone number and email address.

Unemployed people can also apply for one-hour payday loans as long as they have a steady source of income. If an applicant receives monthly benefits, alimony, regular income from investments, they may get approval.

Please note that some states may impose additional requirements or limitations as far as payday loans are concerned. All direct lenders must act according to state laws.

I Need Quick Cash. How Do I Apply for Same-Day Funding?

Applying through the ASCIN website is easy and safe. There are three main steps:

  1. Fill out the request and submit it. Complete the amount you need and your details.
  2. Wait for a reply. The lenders evaluate your qualification for the loan at this stage. If one of them approves your request, they will get in contact with you. During working hours, you should have an answer in 60 minutes tops. Make sure you read the loan agreement before signing it.
  3. In case of approval, get the deposit in your bank account on the next business day.

Before applying, estimate precisely how much money you need and evaluate if it’s comfortable for you to repay the entire amount within a short time frame.


Apply for a one-hour payday loan. Direct lenders will only do a soft credit check, which will not take long and will not affect your credit score.

Your credit score is not usually a decisive factor when applying for a cash advance. Lenders will, first of all, consider your regular source of income and your eligibility. There are no specific requirements regarding your credit score.

Direct lenders typically charge between $15 and $30 for each $100 that you borrow.

Yes, you have good chances to get approved, even with bad credit, provided that you qualify on all other counts.

Get a Loan Decision in 1 Hour and Receive Your Money Fast!