Fast Online

One Hour Loans

Quick Simple Application

Cash within an hour if approved

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.

About Us

One Hour Loans

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.

Loan Types

We Offer three types of Loan

Small Loans

Range: $300-$2,000

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

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

Large Loans

Range: $5,000-$10,000

Loan term: 13-48 months

Establishment fee: $0

Annual percentage rate (APR): 21.24% Comparison rate per annum: 48%

You Need to Know Why You Should Choose Us

Features

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:

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.

Features

What Makes Our Services Different?

 

We offer responsible loan lending services in Australia that truly stand out from the crowd. Our aim is simple – to assist you in finding the best loan in an easy and convenient manner. Here are some key factors that set us apart:


1. Easier Application Process

Finding the right lender can be daunting, especially when faced with demanding application processes. Unlike many lenders, we have simplified every step:

  • Simple Application: Apply for our loans on the move with just a couple of clicks.
  • Easy Data Entry: Fill in your personal details quickly with no unnecessary complications.
  • Flexible Editing: Easily go back and modify your details if you make a mistake.

2. We Offer Online Services

Our online model ensures that no matter where you are in Australia, you can access our services. The convenience of our online process means:

  • Nationwide Access: Whether you’re in a metropolitan area or a remote location, as long as you’re in Australia, you can apply.
  • Effortless Applications: Complete your application online without physical barriers.
  • Focus on Qualifications: What matters most to us are your qualifications, not your location.

3. We Have the Right Loan for You

Our loans have been streamlined into three distinct categories to cater to your different needs:

  • Flexible Amounts: Borrow as little as $300 or as high as $10,000.
  • Varied Uses: Whether it’s for a holiday, education, or to pay an existing loan, we have the right solution.

4. Safe and Secure

Your privacy is paramount throughout our application process. We ensure:

  • Data Protection: Your personal details remain secure until submission.
  • Encrypted Security: Our site operates on a system with encrypted 256-bit security, minimising any risks of unauthorised access.

5. Faster Access to Funds

Once your application is reviewed and approved, you receive your funds the same day:

  • Quick Processing: Funds can be available within 60 minutes.
  • Around-the-Clock Service: We work continuously to provide prompt feedback and funding.

6. High Level of Transparency

We believe in clear communication and honesty:

  • No Hidden Charges: All fees, rates, and charges are clearly outlined in our well-documented contract.
  • Legitimate Lending: As a licenced lender, we maintain the highest levels of professionalism throughout our service delivery.

7. Benefits of One Hour Loans

One Hour Loans offer an ideal solution when you need money quickly. Key benefits include:

Convenience

  • Online Application: Apply from anywhere without needing to visit a branch.
  • Quick Approval: Fast processing means you get feedback swiftly.

Speed

  • Rapid Assessment: Our online process ensures that your application is reviewed and processed quickly.
  • Immediate Funds: Once approved, you can access your funds without delay.

8. Are One Hour Loans Interest Rates High?

Rest assured, our interest rates are designed to be cost-effective:

  • Affordable Repayments: Unlike traditional banks that often lend only large amounts with long repayment periods (2–7 years), we offer loans that are easier to repay.
  • Flexible Terms: Choose to repay within 16 days or extend up to two years, ensuring that the total repayment remains manageable.

9. Loan Application Requirements

Before applying, ensure you meet our eligibility criteria:

  • Age: 18 years or over.
  • Residency: An Australian citizen or resident.
  • Loan Commitments: Free from more than two cash loan commitments in the last 90 days.
  • Income: A regular source of income for the last three months or more (be it self-employment, full-time, part-time, or benefits).

Documents Required:

  • Proof of ID: Government-issued ID card, passport, or driving licence.
  • Proof of Address: Mobile phone bill or utility bill.
  • Income Verification: Payslip or centrelink income statement.
  • Bank Statement: Last three months of bank statements.
  • Medicare Card.

10. How Can You Use One Hour Loans?

One Hour Loans are versatile and can be used for a variety of purposes, including:

  • Repaying an Existing Debt
  • Home Maintenance and Repairs
  • Vacations
  • Everyday Living Expenses
  • Medical Expenses
  • Luxury Purchases
  • Education or Training

No matter your needs, we’re here to help you get the financial boost you require.


FAQs

Q: Who Qualifies for One-Hour Loans?

A:
Anyone above the age of 18 can apply. You also need to be:

  • An Australian citizen or permanent resident.
  • In possession of an internet banking account.
  • Able to provide at least a 90-day bank statement.
  • Demonstrating regular, consistent income.

Q: Why Are One Hour Loans Popular?

A:
Their popularity is due to:

  • Ease of Access: Available to a wide range of individuals.
  • Online Processing: The entire application is completed online, making it effortless.

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

A:
We offer three categories:

  • Small Loans: $300 to $2,000 with a 12-month term at 4% per month.
  • Medium Loans: $2,100 to $4,900 with a 13- to 24-month term at an annual percentage rate of 48%.
  • Large Loans: $5,000 to $10,000 with a 13- to 24-month term at an annual percentage rate of 21.24%.

Q: How Do I Apply for the Loan?

A:
Our application process is straightforward:

  • Paperless Process: Apply online from the comfort of your home or workplace.
  • Quick Feedback: We can review your application and respond within 60 minutes.

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

A:
Yes, we assess each application individually. While credit checks are part of the process, we also consider:

  • Income versus Expenses: Your current financial stability.
  • Balanced Finances: A balanced relationship between income and expenses can improve your chances.

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

A:
We consider:

  • Income Stability and Amount
  • Loan History
  • Dishonour Percentage

Q: How Much Can I Borrow?

A:
Our One Hour Loans range between $300 and $10,000. We advise you to borrow only what you need to avoid overspending.

Q: How Will I Make the Repayments?

A:
Repayments are made through direct debit from your internet banking account, ensuring:

  • Automated Payments: Scheduled deductions based on your income cycle.
  • Flexible Arrangements: Contact us if you need any changes to your repayment plan.

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All Loans are subject to an assessment of suitability and affordability.
Disclaimer: We are a Licensed Finance Broker. We do not provide any kind of credit facilities. Your request will be referred to a third party that you can deal directly with. You will be advised of the 3rd party lenders fees and charges before signing your contract. We may receive a small fee (amount unascertainable) from these third parties for the referral. It is recommended that you take independent legal and financial advice before taking up any products that you are referred to.

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