One Hour Payday Loans are very simple to use. You just fill in a short application form, receive a speedy decision, accept the lender's terms and conditions and then receive the money if you've been accepted. You pay it back in one go after you've received your salary. It's easy and convenient to apply for and can even work out cheaper than some other emergency forms of credit. You can apply with no obligations.

Payday Loans - Easy, Quick and Convenient

Borrowing up to £1,000 is an easy process, and you have until after you've been paid to repay it.

What to do to apply

Most of the information you need to apply will be information you already know. It will also be useful to have to hand:

• Your contact details including your mobile phone number and how long you've been living at your current address
• Your employment details, including your monthly salary and payday, how long you've worked there and a contact number (this will only be for verification, as your loan will not be discussed with anyone other than you)
• Your bank account details, including the account number and sort code

Receiving your loan

Once you’ve applied, you'll get a decision within minutes. If you are successful, you'll be sent a loan offer which clearly details the lender's terms and conditions, the amount you need to repay and the repayment date. You will be under no obligation to accept this. You can accept it online.

The loan will then be transferred to your account. Most loans take around 24 hours, and some can take up to 48 hours, depending on the lender, although a lot do happen the same hour. Any charges will be clearly explained to you before you are under any obligation.

Qualifying for a Payday Loan

One Hour Payday Loans are available to apply for if you're in full time employment, at least 18, and live in the UK with a UK bank account.

One Hour Loan Repayment

You will usually be required to repay the loan within around 28 days, after your next payday. As part of your application, you supply your debit card and the repayment date when you apply, so there's no need to worry about setting up direct debits, cheques or phone calls to repay. All you have to do is make sure the cash is in your account, and the rest is set up for your convenience.

It should be remembered that payday loans are not a long term solution. Please only borrow what you can comfortably repay. See our Responsible Lending page for more information.