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Frequently Asked Questions

1) How Long Do I Have to Pay Off My Loan?
Typically, borrowers have between 8 and 25 days to pay off a loan, but there is no standard time period - it depends on a number of factors, including the lender, the state and local loan laws, the amount borrowed and other factors. In most cases, the repayment period is based on the borrower's pay periods at his or her place of employment.

Most lenders will send an email 1-2 days prior to your due date reminding you when your payment is due. If your bank account doesn't have the money available to pay for the loan in full, you may be able to contact your lender directly to discuss possible loan repayment options. You'll be given your loan due date when you initially take out the loan.

2) When Will I Know If My Loan Has Been Approved?
Once approved at 1Hour-Advance.com, we will always direct you straight to the lender's website that is offering you the BEST loan option available. However, if for some reason you are NOT directed to a lender website, check your email (including SPAM folders) for an approval confirmation email. Our lenders will ALWAYS send confirmation emails directly to their approved clients that will detail next steps for processing your loan.

3) Am I Eligible for a Personal Loan If I Have BAD Credit?
Yes! At 1Hour-Advance.com, we approve 4 out of 5 of ALL of our applicants, many of them with bad credit. So Apply Now and get approved today!

4) How Much Money Can I Receive with a Payday Loan?
Typically payday loans range from $250 to $1,000. However, we do partner with lenders that can loan higher amounts . Loan amounts are based on the information you submitted in your loan application and are subjected to lender requirements and varying state regulation.

5) When Will I Have Access to My Funds?
Once you have accepted a loan from one of our lending partners, most lenders will deposit funds within 24 hours into your account, or on the next business day.

6) What If I Don't Have the Money to Pay Off the Loan?
If your loan due date arrives and you don't have the available funds in your bank account, contact your lender immediately. Only by discussing your repayment options with your lender will you be able to keep your loan in good standing. The options available to you depend on your lender, your state and local laws and other factors.

7) How Soon Can I Apply for Another Loan?
Cash Advance Loans should be utilized with CAUTION. Most people use payday loans in case of an emergency and we recommend starting an emergency fund in lieu of another payday loan. However, after successful repayment of your first loan, you may reapply at 1Hour-Advance.com for another loan at anytime. Keep in mind it takes approximately 48 hours for any payment to post to a lender's accounts as paid in full.

8) I Applied for a Higher Loan Amount, Why Wasn't I Approved?
Typically payday lenders will NOT extend more than $500 CASH to any individual for their FIRST payday loan, however; we have seen loans granted up to $1,000, but this is NOT typical. Regrettably, loan amounts are up to the discretion of individual lenders based on the information you submitted and applicable state laws. NOTE: If you have or do successfully take out a loan and pay it back on time, many of our lenders will UP their lending amount on your next loan.

9) Why Do You Need My Social Security Number and Banking Information?
Social Security and bank accounts information is required for YOUR safety. They are used to verify you are INDEED the person taking out the loan as well as, ensuring the money gets directly deposited into the CORRECT bank account IMMEDIATELY. We understand hesitation in submitting this valuable data, but we want you to know that your personal data is secured by Thawte, an industry standard in Internet security.

Personal Security Protection

At 1Hour-Advance.com, we work to protect YOUR information and privacy. We utilize cutting-edge encryption technology to ensure that your valuable personal data is exchanged and read ONLY by our confidential and trusted lending partners. Personal information like social security and bank information is protected by strict industry protocols so that it cannot be accessed by any outside parties during or after data transfer.

1Hour-Advance offers simple easy short term loans with no Faxing Required. Apply today and get a bigger payday Loan. You can use our cash advance loans to catch up on bills and avoid costly NSF and late fees.
Our program is automated, instant and fast. Offering up to $1000** Cash in as little as 1 Hour!