We all know that when we want to buy a house we can go to the bank and apply for a mortgage. This mortgage will allow you to buy your house through a credit offered by your bank. If you want to finance yourself a car then you can ask for a long or short term credit with any financial institution. But what to do when you need a fast credit, the normal credits offered by banks take days to get approved and you need your cash instantly. Could your bank offer you a 1 hour payday loan? The time constraint of one hour could be difficult for your bank to achieve if you had not made any prior arrangements covering cases like this. It would be possible if you had agreed with your bank that you may take your account into a negative amount or if you had a credit card issued by your bank. company website