If you apply for a loan through Payday in 1 Hour and are accepted, you’ll be given a full and clear break down of the charges without any obligations. It will then be entirely your choice as to whether or not you’re happy with the charges you are offered. It’s transparent at every step. Payday in 1 Hour does not make any other charges. There are no expensive administration charges and no other hidden fees.

We’d love to be able to give you a full break down of the interest charges before you apply, but it’s pretty much impossible to do so, and we wouldn’t be able to give you the accurate amounts. But we understand that you may wonder why we can’t.

It’s partially because of geography. The charges vary from state to state, due to state laws and the lenders in each state. This obviously makes things difficult, because we want to keep your application process as simple as possible, and this would add another level onto it.

However, it becomes more complicated since the loan offer depends on your current circumstances. The more risk involved for the lender, the higher the interest amount on the loan may be, especially the first time you apply.

Put those two points together, and it’s a situation where charges vary depending on your state and your personal circumstances. This means that it would be virtually impossible for us to give you a definite idea of how much your loan would be likely to cost.

This is why we made it part of the process. All you need to do is to apply for the loan. If you’re accepted, you’ll be sent a loan agreement – this will clearly tell you everything you need to know about the finances on the loan available to you. What’s more, you’ll get the decision virtually instantly.

You will not be under any obligation to accept this offer if you are not completely happy with the charges.

Customers should assess carefully their ability to repay the loan before they accept a loan offer. If you are unsure that you will be able to meet the repayment amount at the appropriate date then you must reconsider making your application.

You are eligible to apply for a payday loan if you are at least 18 years old, a US resident, employed and have an active checking account.

When you apply, you will need to enter your contact details for home and work – these are primarily for verification only. You will also need to enter your social security number, paycheck and checking account details (including routing number) and either your driving license or state ID number.

It should only take a few minutes to get a personalized quote as to how much the loan will cost. It’s absolutely free to apply and there are no obligations at all.