I am trying to find a an online payday loan site that will allow me to
apply online, without a credit check, and get a payday loan wired to
me the same day. There are a few that offer one hour payday loans, but
I cannot locate them. I think they were called We Give Money, or
something like that.

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Clarification of Question by johnnyb2003-ga on 09 Mar 2005 10:12 PST

circusboy-ga,

To clarify, I am looking for a particular site. The links that you
supplied are affiliate redirects to a company that says they offer
same day service, but not one hour service. Please list any that offer
payday loans in an hour or less. Also please supply a non-affiliate
link, as I am looking for the direct URL.

jack_of_few_trades-ga, as far as payday loans go, how can they be that
bad? It seems odd to equate yearly interest to a short term loan.
Additionally, If I overdraft by even a penny at the bank, they charge
me $30. What is the interest rate on that? It seems that getting the
payday loan is the most logical solution to my needs.

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Clarification of Question by johnnyb2003-ga on 09 Mar 2005 14:14 PST

To clarify:

I am not very interested in the benefits/problems with payday loans, I
am simply trying to find a particular website that I have seen before.
It advertised "payday loans wired in one hour" and was called We Give
Money, or something like that. I simply need someone to do some
advanced searching to find the site as I cannot find it in Google.

Thank for the guidance guys!

Hello johnnyb2003-ga,

I believe this is the site you were looking for. It's WeGiveCash, not
We Give Money.

http://www.wegivecash.com/?CJAID=10358728&CJPID=1198920
WeGiveCash.com can solve your cash crisis with a payday loan today!

Easy 5 Minute Application 
Get Cash Wired To You in 1 Hour 
No Credit Checks 
No Faxing Needed 

Good luck.

~ czh ~

I can definately appreciate the need for immediate cash, however I
strongly urge you to find another source of temporary funds.  The
extremely high charges that you will see with a payday loan make them
far worse than pretty much any other type of loan out there.  Here is
a site detailing the real costs:
http://www.urbanext.uiuc.edu/thriftyliving/tl-payday_loans.html

Notice that the interest rate can easily be well over 300% on these
loans.  If you have literally exhausted every other possibility for
finding money and you are truly in desperate need for the funds... and
you know you won't have to borrow more money during your next pay
period then this isn't a disastrous path to go down.  But it's not a
good path, and it one that many people get stuck in.
People are short on cash so they get a payday loan.  Then paying back
the loan in addition to the high costs they charge put a large burden
on your next paycheck and they find themselves having to borrow again.
 It's a viscious cycle that many are caught in and it's hard to dig
out once you're in.

I do wish you the best in finding a good source to meet your financial needs.

The payday loan gives you a couple weeks use of money.  I'm guessing
you have some pressing bills that will not be paid on time without the
loan.

There are several things I'd do before paying $50 for an extremely short term loan:
1) Check your bills and see what the penalty for not paying them on time is.
Many utilities for instance are heavily regulated and will do nothing
more than tack on a few extra dollars to your next bill for not paying
on time.

2) Get a 1 year personal loan at your bank.  The interest rate will
likely be 12% or so but you will have as long or as little as you want
to pay it back.  If you can in fact pay it all back in a month then
GREAT, you saved yourself $50 minus the very small amount of interest
you owed.  If you can't pay it all back then you'll have a small
payment over the next couple months until you can pay it off and
you'll still owe less total  interest than you would have paid with
the payday loan.  And if you can't pay it off within several months
then how did you expect to pay off your payday loan?

3) Pay for things over the next couple weeks using your credit card
rather than cash so that you will have money left over to pay your
bills.  Then when you get your paycheck send a check directly to your
credit card so that you don't owe much interest.

Any of these will save you most of that $50+ that you would spend on
the payday loan.  And they will help keep you from falling into the
trap that they hope to get you in where you become dependant on them
to pay your bills so they get that $50+ from you every month.

And as I said, the payday loan can be a last resort... but if you're
that bad off then you're very likely to be trapped in that cycle of
being dependant on them and that's when you'll see that 300+% interest
kick in over the long run and you'll be hurting financially for sure
then.

The loan within an hour, mean approval in one hour.  Not money in one
hour.  ACH transfers take over night, and depending on your bank the
transfer may not show in your account for up to 2 days.  (most or next
day)

What state do you live in?  If you need money within one hour, you can
go to the phone book --->look under loans. Most states allow payday
loans or Posted check loans or cash advances or....  Most payday loan
companies require that you have an open and active checking account,
two paystubs etc.  easy stuff.  Be sure to call the company first and
see how much they will loan the first time out. Some will only loan
$100.00 some up to $400.00 depending on how much money you make a
month.

Word to the wise, do NOT do rollovers.  Pay the loan off when it comes
due.  If you need to reborrow - wait until it is needed and then
reborrow.  PAY THE LOAN OFF. Don't rip off these type of companies. 
Payday loan companies use a different type of credit reporting company
than most people are not used to.  If the loan goes bad they report
you - which means that you may not be able to write checks at stores
or get another payday loan.