Payday loans help people get through a financial crisis that happens in the middle of the month. Such a crisis could be one that they have not budgeted for. Besides with the prices of essential commodities getting more expensive day by day, it is difficult for many to save something for a rainy day. In stressful situations, getting payday loans in one hour could be the only way out from a tough situation. These are unsecured loans for any amount ranging between $100 and $1500 and are an advance from your next pay check. One of the conditions of these loans is that you write out a check for the payday loan amount, plus the lender’s fee and submit to the lender who will hold it until your upcoming pay check. To help you get money instantly, opt for the online application. This option does not require you to fax documents or face the horror of credit checks if your credit score is poor.