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1 Hour Cash Advance: Your Quick Fix to Financial Woes

1 Hour Cash Advance
In times of financial trouble, most people look for is a quick fix to get the relief they need. A lot of people can relate to the fact that it is hard making ends meet while keeping up with all the daily expenses. A weak economy, financial crisis, and the rising prices of commodities are just some factors that can affect how one fares financially.

Eventually, there comes a time when even the money you have set aside as savings is not enough to cover emergency expenses. Thankfully, there is such a thing as a 1 hour cash advance. 

What is an online cash advance and how does it work?

An online cash advance is basically the same as an online payday loan. It is a small, short term financial loan (usually between $100 and $1,500) that answers the need to have quick cash on hand. It is often used to cover for immediate and emergency expenses, like medical expenses, hospital bills, car repairs, house repairs, tuition fees, utility bills, or even debts.

Specifically, a 1 hour cash advance is a payday loan that you can get within an hour of your application. It seems too good to be true, but there are legitimate payday loan companies and lenders that do offer this kind of service.  

What are the requirements to get a 1 hour cash advance?

One hour cash advance lenders and payday loan companies may differ in some requirements, but they all share these basic requirements:

  1. The borrower or applicant must be 18 years of age and a citizen
  2. The applicant must have a stable job with a stable income or fixed monthly salary
  3. The borrower must have a valid and active bank account in his or her name

Some lenders may request to peruse your financial and credit track records before approving your loan, but most online payday loan companies do not perform strict credit checks. This is different from a bank loan because even with bad or unreliable credit, a history of bankruptcy or bouncing checks, you can get approved.

This is mainly the reason why an online cash advance is the resort of people in desperate need of instant cash. The payday loan company only needs your personal contact details and other relevant information, plus your bank account number so they can electronically wire the amount you loaned directly into your bank account. 

How do I apply for a cash advance?

Companies offering 1 hour cash advance services are all over the Internet. Just browse through them and choose one you think is the best and most reliable. After you have chosen, fill out the online application form and click submit.

Once you submit your application, your request is forwarded to a network of lenders. You are then matched with a lender that is willing and ready to secure your loan. All of this is done in real time and takes only a few minutes. As soon as you have a lender, you will be contacted via email to review and sign the terms of the loan. However, if you are not satisfied with the lender’s terms, you are under no obligation to accept it.

Why should I get a cash advance?

Important Documents
As a quick fix to money problems, a 1 hour cash advance is quite ideal because your loan has a chance for approval. With a traditional bank loan, your application is instantly denied when you do not meet even just one of their many strict requirements.

As soon as you submit your cash advance application, processing starts immediately and takes only a few minutes, provided that a match with a lender is made for you. From among the huge network of lenders online, there is bound to be one who can supply your loan.

A major attraction of a 1 hour cash advance is that your credit score is not checked. This makes it easier for virtually anyone to get an online cash advance. Also, there are no immediate upfront costs.

Most lenders work on a faxless payday loan option. There is no need to fax important documents because the whole transaction is an online process. Most lenders are also highly regulated, and they have a privacy policy regarding their clients’ personal data and information, which makes sense since they would want to have a reliable reputation among potential and present clients.

Once your application has been approved, you will receive your loan money directly from your bank account. There is no need to get it from an over-the-counter loan outlet. 

Why shouldn’t I get a cash advance?

Many people may be so distracted by their financial burden that they fail to see the disadvantages to a cash advance. However, it is very important to consider all aspects of getting a loan to ensure that you do not fall into further debt.

A 1 hour cash advance is a perfect solution to your emergency money problems only if you can afford to repay it immediately on your next payday. If you cannot, you can choose to defer your loan to the following payday and the next, until you can finally pay for it.

The trouble begins with the loan rollovers because you also get accumulated fees (interest) which are high (some lenders charge fees of $10-$20 and up). You then end up paying for much more than you have bargained for, and your financial problems will only get much worse if you are unable to pay the whole. Your first cash advance may be borne out of a valid need, but next time, think about it first before delving further into financial nightmare.  

Hopefully, you can wisely decide for yourself if the pros of a 1 hour cash advance outweigh the cons or not. If you are in a tight spot and have an expense that you need to account for immediately, then a 1 hour cash advance can be your last resort.

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