Frequently Asked Questions and Answers

A Payday Loan is a short-term loan until your next payday. When the loan is due, you may: a) Pay the interest to extend the loan until your next payday. b) Pay the loan in full. It's always your choice.
Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.

1 Hour Payday Advance is here to help you find a payday loan lender. We present your completed application to our premier network of lenders and allow them to compete for your business. By searching for a payday loan through 1 Hour Payday Advance, you can be sure that your application will be matched to the best solution to your personal needs.

What What is an Auto Title Loan?

A 1 Hour Payday Advance Auto Title Loan is a 30-day loan that is secured by your paid off vehicle. We place a lien on your vehicle and you continue to drive it. When the loan is due, you may:

Pay the interest to extended the loan until your next payday.
Pay the loan in full. It's always your choice.

How do I get started?

You can start the process immediately by calling toll free (800) 810-5690 or by CLICKING HERE NOW!

Once you are matched with a lender, you may be required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and apply again to find a different lender.

Typically the proceeds of your loan will be electronically deposited into your bank account the next business day. You will typically have the ability to choose the payment option that works best for you. All payments are made by electronic transfer from your bank account.

What are the requirements for a payday loan?

The minimum requirements for a payday loan are:

You must be at least 18 years of age
Have a job (or other regular source of income)
You must have an active open bank account

To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your application and determine whether you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.

Once you submit your completed loan application, you will be connected instantly with a payday lender, who will evaluate your information. Your assigned lender may contact you directly and ask for additional information in order to approve the application. Payday lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your application matches their criteria.

In order to increase your chances of getting matched with a lender and ultimately approved for a loan, please be sure to fill out our application with honest verifiable information. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified.

We do our best to find a lender for you, but unfortunately there's no guarantee that your loan application will be accepted.

What do I need to qualify for a 1 Hour Payday Advance Title Loan?

You must own a Paid Off Vehicle with a Clear Title, be 18 years of age, have at least $1,000 per month, steady verifiable income, and have a current permanent residence.

How much money can I have advanced to me with a payday loan?

The loan amount is based upon your monthly income and your stability at your job and residence.

Your lender may offer you a smaller loan until you establish a payment history with them.

Call now to get a quick quote in less than 5 minutes over the phone. (800) 810-5690

How much money can I borrow with an auto title loan?

The auto title loan amount is based upon the value of your vehicle and your monthly income.

What if I only have a savings account?

We have several lenders in our network that can lend you money even if you only have a savings account. Please contact your bank to get the routing number. This is needed in order to electronically transfer the loan funds to your account.

Do I need a Checking or Savings Account for an auto title loan?

No. However, you may qualify for more money if you have a checking account.

Do I need to have good credit to get a payday loan?

No.

I have bad credit can I get approved for an auto title loan?

We approve auto title loans for people with bad credit, slow credit and no credit. Virtually anyone with a paid off vehicle can be approved for an Auto Title Loan.

How quickly can I get my payday loan money?

Payday lenders typically process the loan immediately so that it will be available in your account the following business day after the loan is approved. Some lenders can wire the money to your bank account immediately. If you apply on a weekend or holiday, the money will be sent to you by your lender the next business day.

How fast can I get the auto title loan?

We usually can have you approved within an hour after taking your application with the money deposited directly in your bank account the next bank business day.

Does your company do credit checks?

1 Hour Payday Advance is not a lender and we do not perform any type of credit check. We try to match your application to lenders in our network in order to find the right loan for you. Most of our lenders do not do traditional credit checks, however, they may query various consumer databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your past payday loan history.

What are the payday loan fees for the payday cash advance?

1 Hour Payday Advance works with a network of lenders whose cash advance fees are among the lowest in the payday loan industry. The fees will vary depending on which lender you are matched with.

How much will this auto title loan cost me?

1 Hour Payday Advance works with a network of lenders whose title loan fees are among the lowest in the auto title loan industry. The fees will vary depending on which lender you are matched with.

How long do I have to pay back the paday loan?

Your loan is normally due on your next pay date. However, most lenders will allow you to extend your loan by paying a fee.

Once matched with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due. You typically have the following options:

Do nothing and your loan will auto-finance
Pay off the loan in full
Renew the loan and pay interest and fees only
Renew the loan and pay interest and part of the principal

Please contact us at (800) 810-5690 if you have repayment questions.

How long is the term of an auto title Loan?

The term of a 1 Hour Payday Advance Title Loan is 30 days. When the loan comes due, you may pay only the interest to extend the loan until your next payday or you may pay off the loan. It is always your choice.

Do the bills have to be in my name for an auto title loan?

No. The bills do not have to be in your name, they just need to be from the residence where you are currently living.

Can I pay off the auto title loan at any time?

Yes. As long as you pay only the interest when the loan comes due, you can continue to extend the title loan term until the next payday. It is always your choice.

Is there a penalty if I pay the loan off early?

No, we never charge a penalty should you decide you want to pay your title loan off early.

Do I get to keep my car with an auto title loan?

Yes, you continue to drive your vehicle. We place a lien on the vehicle until you pay off your loan.

How do I receive my cash?

The payday loan / cash advance is wired directly into your bank account by your lender. 1 Hour Payday Advance works with a network of lenders, some of which can have money in your bank account in as little as the next business day!

What hours is your service available?

We accept applications 24 hours a day, every day of the year.

However, once your application is provided to a lender, sometimes its procedures require additional verification which can only be done during normal business hours. Please keep in mind that the lenders can only electronically deposit money to your bank account on days when your bank is open.

You can submit your loan application to us at any time 24 hours a day 7 days a week. However, since we only match you with lenders who are available to help you in real time you may be more likely to find a lender during normal business hours (Mon-Fri 8 am – 5 pm EST) since not all lenders operate on weekends and holidays.

How do bank holidays affect my loan? The following bank holidays are observed by Federal Banks and their branches:

New Years Day
Martin Luther King, Jr. Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Day
Christmas Day

For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.

If your loan is approved on a weekend or bank holiday, your funds will be sent the next business day. You should contact the lender directly to confirm when the money will be deposited and the ACH department of your bank to verify that the funds have been credited to your account.

What if I do not get approved by the lender you matched me with?

While we have the largest network of qualified payday lenders on the internet, we cannot guarantee that you will receive the loan you need. We do our best to match your application with a lender likely to provide you with a loan. However, payday lenders utilize proprietary criteria to evaluate applicants and may not approve all accepted applicants.

1 Hour Payday Advance is not involved in the loan approval process and therefore we do not have knowledge of the status of your loan. Please contact your lender directly for loan approval status.

If you do not get approved for a loan with the lender you were assigned to, you may re-apply by going to the Returning Customers link on this website. We will attempt to match you with another lender.

What if my application is not matched with a lender?

While we have the largest network of qualified payday lenders on the internet, we cannot guarantee that we can find a lender for you. If you are not matched with a lender, here are a few suggestions to improve your chances if you chose to re-apply:

Time of Day: Many lenders do not accept applications outside of normal business hours. You may want to re-apply during regular business hours – Monday through Friday 8 AM to 5 PM EST.
Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and re-apply.
Outstanding Payday Loans: Many lenders will not issue payday loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and re-apply.

What if I have a fixed income or benefits?

As long as you have a steady stream of income, our lenders can provide a loan to you. Enter your benefit provider as your Employer. If you do not have the telephone number of your benefit provider, enter your own telephone number. Enter the number of months you have been receiving benefits for the Months Employed.

What if I do not have a driver’s license or state ID?

If you do not have a driver’s license or a state ID, please enter your passport number or social security number.

Is this site secure?

You can submit your application securely by clicking "Secure Application".

Do I need to fax any information?

No, the application process does not require faxed documents. However, your lender may ask you to fax over certain information, such as a paystub, if they are unable to verify information in your application.

I am ready to get a payday loan / cash advance / auto title loan! Where do I go to apply?

Great! You can go to our online loan application and sign up today!

Click Here to Apply Now!

I still have questions. How can I contact a representative?

If you have any question not answered here, Call (800) 810-5690 for immediate assistance.

Or call us Toll Free at: (800) 810-5690

FREQUENTLY ASKED QUESTIONS

Start your payday advance loan application now!