Best 1 Hour Cash Loans Services in 2022

 February 21, 2022

By  BC Editorial Team

Sometimes things don’t seem to be working out. You’re hit with emergencies, you haven’t paid your significant bills, or maybe you’ve done it all, and now you’re left with no money in your pocket.

If you’re in this situation, don’t panic. You need an instant cash loan to help you salvage your financial situation, and you need it fast. That’s where online loan platforms that will link you with some of the best lenders in Australia come in.

If you need cash on short notice, you need an online platform that offers a massive sum of money, ignores your credit history, and doesn’t charge ridiculous fees and interest rates.

That’s why in this post, I’ll guide you through some of the best 1-hour cash loans services you need in 2022. Let’s dive right in.

5 Best 1 Hour Cash Loans Services in 2022

1. Gday Loans

Gday Loans is an exciting, quick cash platform that connects you with high-end lenders in Australia. Their lenders have excellent credentials and offer loans that go a long way to ensure you are financially stable.

You’ll only need to apply by filling in the required details. After reviewing your application, they’ll give you a response on whether you qualify. After your application has been approved, you’ll then be linked with a suitable lender who will provide the loan terms and then offer you 1 hour cash loans very quick funds Australia.

Gday Loans has various lenders who offer unemployed, secured and unsecured, personal, short-term, and any other loan you might need to sustain your financial situation.

Gday Loans application system has been simplified to allow you to go through and apply instantly. The system is lender and borrower-friendly as it enables you to interact with their customer service.

To secure a quick loan, you need excellent and fast service, which Gday Loans offers.


  • You can get secured and unsecured loans
  • You don’t need a traditional job to secure a loan
  • Not much paperwork required
  • It connects you with credible lenders


  • It comes with substantial interest rates.

2. Viva Payday Loans

Viva Payday Loans come in handy during financially challenging situations as it connects you with lenders that give loans, regardless of your credit score. Depending on your application, they’ll link you with the best possible lender.

Generally, Viva Payday loan approvals are high as they overlook many aspects that might deny you the loan. Similarly, Viva connects you with high-end lenders that offer you the best possible loan even if you’re on Centrelink.


  • You can secure a loan even if you’re on Centrelink
  • They don’t give loans based on credit scores
  • Cash disbursement is done immediately
  • Students and youths with no jobs can also secure loans


  • Charges high-interest rates

3. Jacaranda Finance Personal Loan

Jacaranda is another excellent platform where borrowers connect to lenders who offer loans between $300-$10,000. What makes it even better is their 9-24 months repayment plan. Note that interest rates will not be charged the same as they will depend more on your previous credit history or credit score.

Jacaranda’s loan application process is quite simple, making it easier for you to apply and their management to reply in time. Once your application is approved, you will receive the loan promptly in your bank account.

Similarly, you can still secure a loan with Jacaranda lenders even if you have a bad credit history or get government benefits. Jacaranda is objective and deals with its customers personally based on their situation and needs, unlike many lending platforms.

However, the platform charges a fee that goes up to $1,000 and has interest rates from 8.69 percent to 48 percent.


  • Easy loan approval
  • You can apply online
  • It gives loans to even those with a bad credit score


  • Have massive APRs.
  • Has ridiculous establishment fee

4. SpeedyMoney Payday Loans

SpeedyMoney is a prolific loan platform based in Sydney that ensures Aussies secure loans from credible lenders that offer up to $2,000. Similarly, according to the lender you attract, they have a one-hour turnaround time based on the information you provide.

If you offer all the information they need on your application form, be sure they’ll reach out as quickly as possible. One of their advantages is that they don’t do an in-depth search on your past credit score. If you pay your loan in good time, you won’t pay additional charges or penalties.


  • Promptly cash access
  • Offers loans to people with poor credit score
  • Offers unsecured loans


  • Has massive interest rates

Has an establishment fee

  • It’s not a long term financial solution

5. Sunshine Short-Term Loans

Sunshine Loans have lenders that provide loans that attract huge charges over a short period. However, they have offered significant loan amounts of $150-$2,000, which is often enough to get you out of a financial jam.

Sunshine’s loan repayment plan ranges from 9-14 weeks, but if you pay early, you don’t pay additional charges. It has a 4% monthly charge with an establishment fee of 20%.

Even if you have a bad credit history, Sunshine will still offer you an opportunity to secure a great deal. However, people with bad credit history usually secured loans with higher interest rates.


  • Fast loan approval
  • The entire process is online.
  • You can get a loan with a bad credit score.


  • Massive APRs

Final Thoughts

Emergencies can happen anytime, but you need to have a fallback plan when they do. The good news is that financial platforms such as Gday Loans will help connect you with high-end lenders when you need them most.

BC Editorial Team


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