Are you in a financial bind and wondering what your quickest payday loan option is? If so, and if you need the money extremely fast, then you need to be careful - even some of the options that appear to work may not, leaving you without the cash that you need in the time frame you need it.

There are a few reasons why what would appear to be a quick payday loan could turn into a longer, more drawn out process. The first reason is that the payday lender doesn't actually offer the loan you need. Most people in this dire of a situation are looking for something along the lines of a 1 hour payday loan, or at least a same-day loan, and many lenders require at least one business day to process the loan. This is not to say that no lenders exist - there are actually quite a few of them that do. You just have to know how to find them and what to look for.

How To Find the Quickest Payday Loans

The first thing you need to look for is if they advertise same day or 1 hour loans. However, be careful here - you will need to then check and see what conditions are required in order to qualify for such a loan. Some times, you will only be able to take out something like a 500 dollar loan or 1000 cash loan in such a short time period.

Second, you need to look for the lending cut-off times. Remember that many lenders will work 'banking hours' even though they are not a bank. Sometime cut off times will be around 3:00 or 4:00 EST, and may be even sooner if you need the loan that day or within the hour. Rememeber they are extending quick loans with bad credit, so you can understand why some lenders would like to have one business day to evaluate the loan and verify the information on the application. Just double check the FAQ section on the website, or ask a supervisor directly the timeframe for getting the loan.

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You also need to remember to ask yourself if you really need the quickest loan available. Take ten or fifteen minutes to sit down, think, and budget and figure out if you really need this loan. Immediate cash loans are generally very expensive and as such need to be evaluated very carefully before you take out the loan.