What to do if you need some extra cash to solve a problem or take advantage of an opportunity? It's obvious. You need an express loan. Express loans are often called one hour payday loans because the whole process is very fast. You can get the loan, wired to your bank account in as little as one hour. The requirements are simple and online application takes only several minutes, while the approval for one hour payday loans takes just a few seconds. When you don't have many options facing the challenges and you suddenly find a necessity to handle an unforeseen expense, one hour payday loans offer relief. These days the Internet makes it possible for you to apply for a same day cash loan, get it approved, and receive the money. Why is it possible? Because the loan you will apply for doesn't need to have any credit record verification. Credit checks waste much time. Since most payday loans do not need verification of your credit history, you may expect to have the cash before an hour is up. There are no questions asked, there's no faxing that needs to be done, and there's no time wasted when you want a same day cash loan. All you have to do is to give the financial establishment any evidence of your employment, your regular income, your checking account details and your address data. Sometimes you don't even need a valid checking account. A savings account is enough. The only commitment you have to give is that you will repay the money out of your next paycheck. Many financial institutions offer one hour payday loans, and, of course various companies have different rates of interest. You can save money on interest and fees if you compare the charges of some of these companies before you apply for your loan.