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Maximum charges: 20% Establishment fee and 4% monthly fee (Comparison rate 199.43%) based on $1000 repaid over 6 months. Illustrative example: Loan amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly instalments of $57.60. Maximum charges: 20% Establishment Fee & 4% Monthly Fee. In comparison rate terms, the maximum comparison rate may be as high as 199.43%.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower's credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.
Viva Payday Loans > 1 Hour Cash Loans Quick Funds Online

1 Hour Cash Loans Quick Funds Online

If you’ve found yourself strapped for cash, it can be pretty challenging finding lenders who will transfer you funds in an hour or less. However, it isn’t impossible. can connect you with lenders who provide 1-hour loans, and it won’t cost you a thing!

Here’s everything you need to know about one-hour loans in Australia.

What Are 1 Hour Loans And How Do They Work?

As the name suggests, one-hour loans are types of personal loans that are processed, approved, and paid out within an hour of making your application. They provide you with instant cash when you need emergency funding to cover unexpected expenses.

Lenders at understand that emergencies can’t wait, and no one wants to waste time waiting for funds. Unlike traditional lenders, who may take days or even a week to approve and pay out a loan, you’ll get a lending decision within minutes at Viva Payday Loans.

The entire loan process is streamlined and online, from application to payout. With 1-hour loans, you can say goodbye to tedious and frustrating loan application processes. The best lenders in Australia are now online, and you can apply for a one-hour loan with the touch of a button or a tap on the screen.

Simply decide on the loan amount you need, fill in the easy-to-follow online application form, and we’ll connect you to a suitable lender within 2 minutes to finalize the process. Lenders at are very swift with payouts, and once you e-sign the loans agreement, they’ll disburse the funds to your account within 60 minutes!

You can borrow from $100 to $5,000, and the funds are suitable for medical bills, repairs, urgent renovations, cash to bridge you to your next payday, or close a deal you can’t miss. 1-hour loans at are flexible and suitable for everyday Australians. You can get a fair deal with a few simple clicks, no matter your needs, budget, or occasion!

Types Of One Hour Loans

One Hour Payday Loans

When you’re faced with sudden or minor emergencies and expenses that can’t wait until your next payday, one hour payday loans can come to the rescue. They’re short-term breather loans meant to help you get through to your next payday.

One hour payday loans are like an advance of your next paycheck and are suitable when you need a fast loan. They’re quickly approved, and you have to pay the amount back on the day you get paid.

You don’t have to be formally employed to qualify for one-hour payday loans. Payday can be the day you receive funds from any alternative income source, including benefits, dividends, rental income, child support or allowances.

They’re usually small and easy to repay, ranging from $100 to $1000. However, you can qualify for up to $5,000, depending on your affordability and get a repayment period of 7 to 30 days.

One Hour Loans With Bad Credit

It can be very challenging to get approved for loans with bad credit, especially among traditional lenders like banks. However, some lenders specialize in helping borrowers with bad credit get the funding they need, and Viva Payday Loans connects you to them free of charge!

You can find lenders who offer 1-hour loans with bad credit at They’ll treat you as an individual and assess you based on your current situation and affordability instead of concentrating on your past financial issues.

If you’re eligible and can afford to repay, lenders will readily advance you a bad credit loan. Such affordability is determined by your current cash flow or monthly income and expenses. Best of all, they’re small and easy to repay, which can help you improve your credit score in no time!

One Hour Loans With No Credit Check

If you don’t want lenders snooping around your credit history with hard credit checks, then 1-hour loans with no credit check are an excellent choice. They’re suited to borrowers with a bad or poor credit score or those with no credit history.

With 1-hour loans with no credit check, your loan request is approved without a credit check. It expedites the process because no time is wasted going through your credit history.

Only your affordability based on your monthly income and expenditures is considered for approval, so you don’t have to worry about non-existent bad credit history. The interest rate can be higher because of the higher risk involved, but it can be worth it because you get fast cash without worrying about a credit check.

One Hour Loans For The Unemployed

Gone are the days when your employment status determined whether or not you get approved for a loan. With Viva Payday Loans, you can get 1-hour loans for unemployed borrowers who don’t have formal employment.

As long as you have an alternate source of income, lenders at will readily offer you 1-hour loans based on your affordability. They accept all kinds of income, making it easy for everyday Aussies to borrow money online.

Acceptable income sources include monthly benefits, allowances, child support and alimony, rental income, freelance earnings, dividends, and many more. You need to show you get at least $350 in your account every week from any source and can borrow from $100 to $5,000 with 2 to 24 months to repay.

Features Of Loans in One Hour Australia

Trustworthy Lenders

Viva Payday Loans only works with Australia’s most reputable, transparent, licensed lenders. They’re transparent with their terms and fees, and if they promise you something, you can rely on them to deliver. Your peace of mind is guaranteed at all times, and they’ll never try to hoodwink you or coerce you into a bad deal. Their contact information is readily available, and you can easily find reviews from previous and current customers.

Affordable, Flexible Loans

The last thing you want is to take out loan amounts too much for you to repay. Lenders at Viva Payday Loans offer flexible loan amounts, and you can borrow from as low as $100 to as high as $5,000. This ensures you only borrow the amount you can comfortably repay based on your budget and affordability.

Reasonable Interest Rates

The interest rate you get is an integral part of any loan because it affects the total amount you repay. Through, you get access to lenders who offer Australia’s most reasonable interest rates. You can expect loans in one hour to have interest rates ranging from 5.99% to 35.99%. The rate you get will depend on the lender, the amount and term you choose and your risk profile.

Repayment Flexibility

Unlike other lenders with strict repayment terms and schedules, lenders at Viva Payday Loans allow you to choose a suitable repayment schedule based on your budget and the day you get funds. You can select several months or a few weeks and weekly, fortnightly or monthly repayments schedules.


Rest assured, all lenders at Viva Payday Loans are transparent about their charges, and you’ll not find any hidden fees. You’ll be informed about the total cost of loans in one hour from the beginning as you enter into a loan’s agreement. Depending on the lender, you may pay an establishment fee that comes off the top. It can vary between lenders or be capped at a specific limit. You should also inquire about late, early, or overpayment fees from the lender.

Examples Of 1 Hour Loans

Lender Max Loan Loan Term Disbursement
Credit24 $2,000 3-12 months Same day
Sunshine Loans $2,000 9-14 weeks 60 Minutes
Ferratum Money $1,900 3-12 months Same day

Advantages And Disadvantages


  • One Hour Loans

With one-hour loans, you get quick funds when you need money in a hurry. The online system is designed to provide you with an instant outcome on your application within minutes. Once you’re approved, you don’t have to wait around to get funded, with lenders disbursing the funds within 60 minutes!

  • Borrow Money Online

One-hour loans allow you to borrow money through your phone or computer with a few simple clicks. You can access quick funds from wherever you are in Australia without leaving the comfort of your home or office. Say goodbye to making endless phone calls or looking for storefronts to apply for a loan.

  • All Credit Scores Welcome

Viva Payday Loans connects you with understanding lenders who help Australians with all kinds of credit scores. Whether your credit score is terrible, poor or non-existent, Viva Payday Loans matches you to a suitable lender whose likely to approve your request for free! You’re guaranteed your application will never be automatically denied or rejected because of your credit score.

  • Access To A Wide Pool Of Lenders

Viva Payday Loans provides you with free access to a vast pool of reputable lenders in Australia when you’re looking for one-hour loans. The extensive panel ensures you have better chances of getting matched with a lender who will likely approve your request regardless of your employment status or credit score. No matter your urgency, needs or financial situation, you’ll find understanding lenders who will work with you to help you get the funding you need.


  • Costly

Compared to other loan options, 1-hour loans are usually a bit costly. They pose a higher risk for the lender because they’re generally unsecured and don’t consider your credit score. Lenders charge higher interest rates to mitigate such risks based on your risk profile.

Eligibility Criteria

Although each lender uses their criteria when assessing 1-hour loan applications, some standard requirements include:

  • Being 18 years of age and above.
  • Being an Australian citizen or permanent resident.
  • Having a regular income of at least $350 weekly to repay the loan.
  • Having an email address and personal phone number.
  • Having a home address in Australia.
  • Having valid identification.
  • Have a bank account in your name.

Application Process

Follow the following easy steps to apply for 1-hour loans at

Step 1: Gather Verification Documents

All reputable lenders in Australia will need to verify your information and details before paying out the loan. Having the required documents ready as you apply ensures the process moves faster without delays. Such documents include:

  • Proof of identification like a Medicare card or driver’s license.
  • Proof of income from the last three months.
  • Proof of address or residence.

Step 2: Fill In The Online Form

The next step is to carefully enter your details in the online application form at Select the amount you wish to borrow and a suitable repayment period, then fill in your personal and financial information, plus income and monthly expenditure. Accuracy is vital to ensure you don’t get declined or rejected because of avoidable mistakes.

Step 3: Application Review

Once you’ve filled in the form and submitted it, you’ll receive feedback within 2 minutes! Once your application is approved, you’ll be connected directly to a third-party lender to complete the process. They’ll ask for verification documents and if everything is in order, send you a loan agreement to review and accept.

Ensure you read it carefully and any questions you may have. Once you’re satisfied with the terms and conditions, simply e-sign and return it to the lender.

Step 4: Get Funded

After you’ve signed and returned the agreement, you can expect to get funded within hours without fail.


Where Can I Get 1 Hour Loans In Australia?

You can get 1-hour loans in Australia among lenders at Our lenders are swift, and you can expect to get funded within 60 minutes after you sign the loans agreement.

Can I Get A 1 Hour Loan With No Job?

Yes! You don’t need formal employment to qualify for one-hour loans. Our lenders can provide you with a loan if you have alternate income sources like rental income, dividends, benefits, allowances, trust proceeds, or freelance earnings.

How Much Should I Be Earning To Get 1 Hour Loans?

You must be earning at least $350 weekly to qualify for one-hour loans.

How Will I Repay 1 Hour Loans?

Lenders will set up an automatic debit on your account, where the funds are deducted when you get paid. It makes it convenient since you don’t have to worry about missing payments, and the lender gets paid on time.

Can I Get One Hour Loans On Centrelink?

Yes! Specialist lenders at Viva Payday Loans accept Centrelink payments as a form of income, provided you’ve been receiving them for over 90 days.