How to Get Cash Loans in 1 Hour with Instant Decision

Despite carefully planning for all your routine expenses and saving some for emergencies, you may be left high and dry financially one day. A payday loan is your best option if you need cash quickly. If you have poor credit, you may still be able to get one of these loans.

Here are the best fintech firms to get cash loans with an immediate decision in less than an hour:

1. Viva Payday Loans

In Australia, Viva Payday Loans is the most trusted online lending platform, offering short-term loans of up to $5,000 with flexible payback terms ranging from 16 days to a whole year. Even if you rely on Centrelink or have a bad credit score, you may still qualify for one of their fantastic loan options.

The startup charge for a Viva payday loan is 20% for loans under $2,000. The origination cost for loans exceeding $2000 is $400, resulting in an APR between 20% and 199.43%. There is a monthly fee of 4% for using Viva Payday Loans.

The application procedure is straightforward, and if approved, the funds will be sent into your account as soon as you sign the agreement. Borrowers can access 1 hour cash loans very quick funds Australia no credit check 24/7 to sustain them until their next paycheck.

They will quickly link you with their top lending providers, who will provide an offer to you for a loan. You must sign the terms and conditions before they credit your account.


  • No security is required
  • Simple application procedure
  • You can qualify for the loan even with bad credit history
  • Centrelink beneficiaries are welcomed


  • Charges high rates

2. Pronto Paydays

The company known as Pronto Paydays helps individuals strapped for cash to get payday loans promptly and efficiently, making this kind of credit an excellent choice for use in times of crisis.

Learn their terms and conditions before applying for a payday loan. Payday loans are frequently relatively small sums of money and should be fully paid with the borrower's next payday. Sometimes, you are required to pay additional fees and interest.


  • Important information is communicated quickly
  • Fast-tracking of compliance and audit procedures
  • Analytics provide operational understanding.
  • No collateral security is required.
  • Income determines the loan amount


  • High-interest rates
  • Lessening of consumer protection and openness
  • High monthly charges of about 4%
  • They charge a 20% setup fee for their loans

3. Gday Loans

Gday Loans is another reputable lending site that links its customers with reputable lenders that provide first-rate loan services. This loan brokerage company has partnered with several leading Australian direct lenders to ensure their customers acquire the best loans, even with an adverse credit background.

The Gday Loans are here to help you if you're having trouble making ends meet and need money to tide you over till your next payday or to keep your company running. The best thing is that you can quickly and easily obtain their services online because of how quickly they respond.


  • Once they accept your application, they will release the funds to you within 24 hours of their business hours.
  • They have several loans available, ranging from $200 to $5000
  • The application and approval processes are both swifts.


  • The interest rates are not stated

4. Fair Go Finance Small Loan

Fair Go provides unsecured loans between $2,000 and $10,000, with their smallest loan being for just $2,000. Those with strong and weak credit are treated equally regarding loan approval. You may apply even if you have a bad credit score as long as you haven't filed for bankruptcy in the last year. Small loans have durations of up to 12 months, medium loans of up to 24 months, and personal loans of up to 36 months. All the fees and interest on these loans add up to a hefty total.

Fair Go lenders welcome borrowers with less-than-ideal credit since they help such customers find more suitable financing options. A 20% origination fee is charged for loans with fixed monthly payments between $18 and $400. Therefore, these loans should be used only after all other choices have been exhausted.


  • Has favorable loan terms, one to twenty-four months
  • Large loans between $300 and $2,000
  • Easy and fast application process
  • They provide loans without requiring collateral
  • Based on the frequency of your income, the payback schedule changes


Nobody likes being forced to jump through hoops when applying for a loan. You may worry that loan companies would mistreat you if you have poor credit. However, Viva Payday Loans not only approve borrowers with poor credit but also tailor your loan to meet your specific requirements without putting undue strain on your finances.

The lending company will also provide your payment history to all three main credit bureaux. Therefore, if you are in a financial bind, a loan may help you get out of it while also improving your credit rating if you pay it back on time.