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1 Hour Cash Loans Very Quick Funds Australia No Credit Check

1. What Are 1 Hour Loans?

As their name suggests, 1 hour loans 24/7 are those that are given out within 1-hour of having your loan application approved and are available everyday, all year round. These emergency cash loans in one hour are most suitable for situations when you are in urgent need of funds, similar with the emergency loans. Although many 1 hour cash advance direct lenders in Australia claim to provide same-day funding on their loans, there are some that are able to disburse your loan amount within one hour of approving your loan application online.

2. Types Of 1-Hour Loans Including 1-Hour Loans For Centrelink

On one hand, there are two types of 1-hour loans available in Australia, including quick cash loans, and payday loans. Although both these loan types are pretty similar in nature, payday loans tend to be more expensive than short-term loans. On the other hand there are the 1 hour cash loans no credit check, which are the type of loan that people get when seeking for "1 hour cash loans very quick funds Australia no credit check" and are primarly designed for people with no credit history or bad credit, as well as people looking for Centrelink Loans.

3. Instant Cash Loan in 1 hour - How It Works

1-hour loans operate just like any other loan, except they are given by loan providers that have a very efficient process. The documentation requirements for 1-hour loans are typically less compared to personal loans, usually basing decisions on readily available factors such as the borrower’s credit history, age, residential status, and income.

Since these factors don’t require much assessment, lenders are able to approve your loan very quickly, and the loan funds are instantly released to your bank account. Some lenders might also provide 1-hour loans in cash, so you can instantly access the funds.

4. Eligibility Criteria

To be eligible for a 1-hour loan, applicants must

Be over the age of 18.

Have a valid residential status in Australia, such as permanent residence or citizenship.

Have a reasonable credit score.

Provide sufficient proof of income that shows affordability for the loan.

*For eligibility and details for applicants residing in South Africa, go to Viva Payday Loans South Africa.

5. Examples Of 1-Hour Loans and Centrelink 1-Hour Loans

The following lenders are providing 1-hour loans in Australia.


Max Loan Amount

Loan Term

Loan Disbursement Time

Fortnightly Repayment (assuming a $1,500 loan)

Sunshine Loans


Nine to fourteen weeks

Around 30 minutes, provided conditions are met


Nimble Loans


Up to nine months

One hour, provided conditions are met


6. Advantages and Disadvantages

There are a few advantages and disadvantages of subscribing to a 1-hour loan.


Quick Funds Disbursement

Once your loan amount is approved, the funds should arrive in your bank account within one hour of approval, allowing you to make urgent payments.

Easy Application Process

The documentation required to apply for a 1-hour loan can be easily provided, either online or in-person. Also, 1-hour loan providers usually operate an online application process, which is both fast and convenient.


High Cost

It’s not uncommon for fast cash loans such as 1-hour loans to have a high cost of interest. Many lenders providing 1-hour loans disregard the borrower’s credit score, and rather focus on the applicant’s affordability based on current income and expenses. Since past borrowing behaviour is ignored, the risk for the lender is high, and this results in a higher interest expense for these loans.

7. Application Process

To apply for a 1-hour loan, follow these steps.

Step 1 - Submit the online application form

Applicants must log onto the lender’s website and fill out the online application form, providing any documents that are required during the process.

Step 2 - Get approved

If your application is approved, the lender will immediately release the loan funds in your bank account within one hour.

8. FAQ's

What is the maximum I can borrow under a 1-hour loan?

Usually, the maximum amount allowed under fast loans is capped at $2,000.

Are 1-hour loans expensive?

Yes, however, they are not any more expensive than most payday loans and/or short-term loans.

Can I apply for a 1-hour loan with bad credit?

Yes, the loan approval assessment is usually done based on the current financial condition as far as 1-hour loans are concerned.

How much would you like to borrow?

  • Quick
  • Smart
  • Secure

100% Safe and secure. Apply with confidence, your privacy is always protected.