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One Hour Loans

Quick and simple application and cash within an hour if approved

One Hour Loans Australia

Life is unpredictable and that’s why even though you might have a good financial plan, you might find yourself in need of financial assistance. One Hour loans can come in handy, especially if you need to quickly cater to your financial deficit. These types of loans are usually processed quickly and you can get your money within 60 minutes.

If you are looking for a quick source of cash, then you can use our One Hour Loan services. We are the top Australian-based finance broker for small cash loans. We can conveniently lend you between $300 and $10,000 and our delivery is unmatched.





Our Loan Types

We offer three types of loans:

Small Loans

Range: $300-$2,000

Loan term: 12 months

Establishment fee: 20% of the principal amount

Monthly loan rate: 4% of the principal per month

Medium Loans

Range: $2,100-$4,900

Loan term: 13-24 months

Establishment fee: $400

Annual percentage rate (APR): 48%

Comparison rate per annum: 67.41%

Large Loans

Range: $5,000-$10,000

Loan term: 13-24 months

Establishment fee: $0

Annual percentage rate (APR): 21.24%

Comparison rate per annum: 48%

Our Loan Application Process

Are you looking for a quick way to get a loan? We offer affordable and accessible quick online loans. You can get as high as $10,000 when you apply for our One Hour loans and it’s paid within just 60 minutes.

The loan application process is simple and straightforward. To apply for it:

  • Select the amount you would like to borrow
  • Select the purpose of the loan
  • Choose your title (Mr, Mrs, Miss, and Ms)
  • Fill in your first and last name
  • Fill in your date of birth
  • Enter your email address
  • Input your mobile number (it should start with either 04 or 05)
  • Enter your address (street number, street, city, state, and postcode)
  • Select your residential status (renting, homeowner, or living with family/friends)
  • Select the period you have been living at your address
  • Select your employment status
  • Select the period you have been employed, unemployed, or on benefits
  • Select your monthly income
  • Choose how often you get paid
  • Select your next pay date
  • Agree to the terms and conditions

Thereafter, you need to connect to your bank. This helps to reduce the total times it takes to review and deliver the outcome of your application. Remember to put in your valid banking credentials and then submit the application. Everything is encrypted and so the information you submit will be securely processed.

Differences between One Hour Loans and Personal Loans

One Hour loans are usually offered online based on streamlined applications that promote faster execution and access to cash. On the other hand, personal bank loans are usually availed based on a stipulated arrangement. The lenders usually work within the usual business hours and their arrangement is more challenging

One Hour loans are ideal for those who want to spread the repayment amount over a short period. Personal loans don’t have the option of repaying small amounts of money over short periods.

With a personal loan, you need to commit for a year or two at a minimum. One Hour loans lenders can allow you to commit for as long as you need.

Your credit report isn’t a critical determinant for the qualification of One Hour loans. Lenders usually consider your ability to effectively pay your loan back. Personal loans by banks are mainly based on your credit history. A bad history may disqualify you.

What Makes Our Services Different?

We offer responsible loan lending services in Australia. Our services are great and we are here to simply assist find the best loan in an easy and convenient high. Here are some of the factors that make us stand out.

Easier Application Process

Finding the right lender can be a daunting task. Mores, most lenders usually have demanding applications process that would make you quickly give up.

From start to finish, everything has been simplified for you. In fact, you can apply for our loans while you are on the move. This is because it takes just a couple of clicks to select and fill in your personal details. There are no hassles or complicated details that are unnecessary.

Note that you can even go back and easily change your details in case you make a mistake or want to modify your personal details.

We Offer Online Services

We want to help as many Australians as we can. There are no physical barriers when it comes to our services since we offer everything online. We have implemented an effective online model that can be accessed and used from anywhere.

We understand that our country is vast but as long as you are in Australia, you can apply and submit your application regardless of your state. What matters to us are your qualifications and not your location?

We Have the Right Loan for You

We have streamlined our services and divided our loan into three categories to suit the different needs of our customers. You can borrow as little as $300 and as high as $10,000. It doesn’t matter what you need the loan for. It could be for your next vacation, education purposes, to pay an existing loan, etc.

Safe and Secure

Your privacy is guaranteed during the application process until you submit your personal details. We understand the importance of data protection and the need to effectively safeguard personal details. As a result, our site runs on a system that uses encrypted 256-bit security. There are zero chances that we could get hacked or your information accessed by malicious 3rd-parties.

Faster Access to Funds

If we review your application and we establish that you qualify for the loan, then you will receive your funds the same day. Note that you can get your money within 60 minutes because we work consistently around the clock to ensure that you get the right feedback as soon as possible.

High Level of Transparency

If you are interested in using our services, understand that we love transparency. Nothing is hidden and there are no hidden charges that you should be stressed about.

We are licenced and legitimate lenders who do right by our customers. All aspects of our service delivery involve the highest level of professionalism. We have a well-outlined contract that clearly indicates the loan fees, rates, and all the other charges involved.

Benefits of One Hour Loans

One hour loans provide a good way to access money when handling certain projects. You may face an expected or unexpected financial crisis but that doesn’t mean that you can’t outsource financial help somewhere. The top benefits of One Hour loans include:


Australians seek one-hour loans because of the convenience they offer. You can apply for a loan from anywhere and get awarded. You don’t have to physically visit the lender since the application process is normally online. You simply need to fill in the right loan details and then wait for the appropriate response.


Just like the name suggests, One Hour loans are usually assessed in a hurry. Lenders quickie receive such applications, give you the right feedback, and then start to process the loan if you qualify. The fact that the whole process is done online makes its execution easy and quick.

Are One Hour Loans Interest Rates High?

If you qualify for a one hour loan you are probably worried about the interest rates. Does quicker and easier access to a loan mean that you will pay higher interest rates?

Financial needs are critical aspects of life and that’s why our interest rates are cost-effective. You don’t have to worry about digging deeper into your pockets to repay the loan. Affordability is one of the factors that we consider when granting our customers loans. Everything has been well-researched and designed to meet your needs.

Understand that banks usually don’t lend borrowers less than $5,000 and their loan repayment periods usually take between 2-7 years. At the end of all those years, you would have paid a significantly high amount.

You can conveniently borrow any amount between $300 and $10,000 and repay it as soon as possible. You can do this within 16 days or simply stretch the repayment period to two full years. In the end, the total repayment won’t be extremely high. We don’t want to tie you so that you spend years repaying for a loan that you are capable of paying within a couple of months.

Loan Application Requirements

We need documents that verify you are an adult Australian citizen or resident who is capable of paying the loan. Our eligibility criteria include the following:

  • 18 years old or over
  • An Australian citizen or resident
  • Be free from over two cash loan commitments in the last 90 days.
  • Have a regular source of income for the last three months or more.
  • The borrower should be self-employed, working full-time or part-time, or is receiving benefits.
  • Documents Required During the Application Process
  • Proof of ID i.e. government-issued ID card, passport, or driving license
  • Proof of address: mobile phone bill or utility bill
  • Payslip (if you are employed) or centre link income statement (if you are on a benefits scheme)
  • A bank statement for the last three months
  • Medicare card

How Can You Use One Hour Loans?

One hour’s loans can be used for emergencies as well as planned tasks. Generally, the loan providers don’t place a limit on how you should use the money. So, you are free to use it how you deem fit.

Generally, most Australians use such types of loans to cater to their emergency repair needs. But there are also those who use it to make emergency purchases including impulse shoppers. You have seen that appliance that you always want is on a discount but you don’t have enough money right now? Well, you can get using a one-hour loan before it quickly gets sold out.

There are many things that you can use with a one-hour loan including purchasing designer outfits to booking special holiday bargains.

The world is a highly dynamic place and technology has changed the way business is done. With e-commerce and the easy availability of internet services, a lot of things can be purchased and paid for over the internet within a couple of minutes. This means that sometimes you might be forced to search for instant funds.

People can use One Hour loans for the following purposes:

  • Repaying an existing debt
  • Entertainment
  • Furniture and household appliances
  • Home maintenance and repair
  • Vacations
  • Normal utility bills
  • Motoring fines and other
  • Personal care
  • Everyday living
  • Medical expenses
  • Luxury purchases
  • Training/education

We offer all qualified Australians One Hour loans to cater to their different needs. We treat every client differently based on their unique needs. The essence of our service delivery is to get you out of financial issues as soon as possible and with little hassle. That’s why we process all loans applications quickly and at affordable rates. So, if you need a quick financial boost, don’t hesitate to contact us.


Q: Who Qualifies for One-Hour Loans?

A: Anyone above the age of 18 years can apply for this type of loan. However, there are still other requirements that the adult needs to possess. They include:

  • An Australian citizen or a permanent resident of Australia
  • An internet banking account where the money can be deposited into.
  • At least 90 days bank statement which can be from the same or different bank accounts
  • Have regular and consistent income that normally goes straight to the bank

In case you meet the above requirements, then your chances of getting the loan are higher. Understand that every application is treated differently based on individual needs.

Q: Why Are One Hour Loans Popular?

A: They have a high level of ease of access. These loans are usually accessible to a wide range of individuals regardless of their financial status. As long as you fulfil the basic requirements that you can expect to be given a loan.

Besides that, the process is usually settled online. This makes its execution from application to getting the feedback effortless. You simply have to set a few minutes aside to fill the application form.

Q: How Many Types of One Hour Loans Do You Offer?

A: Our One Hour loans are divided into three categories with three ranges. We have small loans where you can get any amount between $300 and $2,000. However, you only have a loan term of 12 months and the principle is usually 4% per month.

In case you need a medium amount, then we have medium loans that range between $2,100 and$4,900. You have a loan term ranging between 13 and 24 months and the annual percentage rate is 48%.

If you need a large amount, large loans are available and they range between $5,000 and $10,000. Their loan term is 13 to 24 months with an annual percentage rate of 21.24%.

Q: How Do I Apply for the Loan?

A: It’s a straightforward and simple process. We have been in this industry for quite a long and we normally want our clients to experience an effortless application process. It takes a couple of minutes to apply for the loan.

Since this is a paperless transaction, you can apply for the loan from the comfort of your home or work. Depending on your application and needs, we can access everything and give you feedback within 60 minutes!

Q: Can I Qualify for a Loan If I Have a Bad Credit History?

A: Yes. This is because we treat every application differently. We use credit checks for formality purposes. While they are important to consider for the benefit of responsible lending, there’s more to your credit score’s history that we often look at.

What is very important to us is the current relationship you have with money. What’s the relationship between your income and expense? If we establish that you have perfectly balanced your expenses and income, then you will definitely be awarded the loan. We use credit history checks to ensure that you can fully afford the one hour loan.

Q: What Other Factors Are Considered During the Application Process?

A: Based on responsible lending policies, other essential factors that we normally consider include:

  • Income stability and amount
  • Loan history
  • Dishonour percentage

Q: How Much Can I Borrow?

A: Our One Hour loans usually range between $300 and $10,000. You can apply for any amount in between.

We normally advise our clients to only apply for the amount that they need at the moment. That way, you will minimize overspending. Besides that, you won’t end up with high repayments.

Q: How Will I Make the Repayments?

A: We require our customers to have internet banking accounts and a consistent source of income. This makes it better to deposit money into their accounts and facilitates the repayment process.

All repayments are usually made through direct debit based on your pay or income cycle. As a result, all repayments will automatically get dedicated from your account after every end of the cycle. But in case you want to make changes, then you can always contact us to make the appropriate changes.

Apply in 60 seconds!

Fill in our super simple application and you’ll have an answer within one hour