Payday Loans That Don't Check Credit

Any unforeseen financial problem can be very stressful, especially if you have bad credit and can't get approved for bank loans or credit cards. That's why so many people search for loans with no credit check.

Fortunately, online payday lenders will fairly assess your application even when they do carry out credit checks, so you still stand a chance of being approved.

Get Started Now

Read on to find answers to all of your questions about loans with no credit checks. If you apply today, you could see money in your account in as fast as one business day - ideal if you need quick cash!

How can I get a payday loan without a credit check?

There is no guarantee that you can find a loan provider that doesn't do credit checks. In fact, websites that make such promises are often misleading you just to get you to apply for a loan.

We work with a network of over 100 payday lenders, who are fully licensed and accredited to issue payday loans throughout the United States.

Using our loan connection tool you can pass your information to these lenders with one click, saving you the time and hassle of applying one-by-one or driving from storefront lender to lender trying to get approved.Using this method you have a higher chance of being connected with a suitable lender regardless of your credit score.

To get started, simply select a loan amount using our tool and we'll guide you through the rest of the application process.

Note: We are not a payday lender ourselves, rather we help connect you with lenders so you can get a loan online. If you are connected you will be transferred to the lender's site where the application is completed. You will always deal with direct lenders - no middle-men make lending decisions on payday loans.

Who is eligible for payday loans online?

As long as you are 18 years or older and a legal resident of the United States, you are eligible to apply for an online payday loan if your state allows them.

The only requirement is that you are earning at least $1,000 per month to ensure you can make repayment. You will also need a bank account in your name, where the loan can be deposited and repayment automatically taken on the agreed date (i.e. a basic checking account).

Those with bad credit are welcome to apply and are routinely approved for reasonable loan amounts, even when a credit check shows a low rating.

Why an online loan?

Getting an online payday loan is a much simpler and faster process than getting a loan from the bank or storefront lender. All you need is a device with a web browser and you are set to carry out a loan application.

There's no need for physical paperwork or waiting in line to talk to someone. The money will be deposited asap after you sign the agreement and you'll usually have access to it the next working day.

Do all payday loans check credit?

The vast majority of payday lenders will carry out some form of credit check before you can get the money, even when they claim not to.

The lenders in our network are upfront about the checks they do, but that doesn't mean you will be automatically rejected if you have a poor credit history.

They will fairly assess your application and make their decision based on numerous factors, including your employment status, income, and other information supplied on the application, not just the credit check.


How does this impact my credit score?

If you are worried about a search being recorded on your credit report after a credit check, a lender may use a soft search, and searches are not always enough to negatively affect your credit score.

A soft check simply means a lender has accessed your credit history via one of big three credit bureaus (Equifax, TransUnion or Experian). Soft checks are only visible to you, not other lenders.

Furthermore, if you do take out a payday loan and successfully repay it, this will help build your credit score, letting other loan providers know you are a trustworthy borrower.

Of course, if you fail to repay the loan this will be recorded on your report and will negatively impact your credit score.

The good thing about using our tool is that your information is passed through a large network of providers, meaning you won't end up with credit check after credit check which can be the case when you apply one-by-one.

Can you get denied a payday loan?

Payday loans are one of the easiest types of loan to get approved for because they are a short-term commitment for a relatively small amount of money that is due to be repaid in one lump sum, usually no more than 30 days after it is issued. That means there is a low risk for a lender as long as you have an income to cover the loan when you next get paid.

That also means you can be approved even with bad credit, making them an ideal solution if you are searching for "loans no credit checks" online.

That being said, each individual lender will have their own internal assessment process and will not always approve an application. We do not make lending decisions and therefore cannot say on an individual basis why you may not be approved.

Why online payday loans are easier

The good news is our loan connection tool can tap you into a network of over 100 payday loan providers, meaning you have a high probability of being connected with one of them.

Most people will know in a matter of minutes if they have been connected and then can go on to complete the application directly on their page (you will only deal with direct payday loans lenders). Before you sign the agreement you will be given a full copy of the terms and conditions, outlining the associated fees, interest rate, repayment date, and other policies.

If you apply during the working week you will typically see the money in your bank account on the next business day.

Are No Credit Check Loans Safe?

All the lenders in our network adhere to federal and local state law and are fully licensed to issue payday loans in states that allow them. We will never pass on or sell your information to third parties and your data is protected with industry-standard encryption technology.

You should always be wary of lenders or websites that promise approval for loans without credit checks or guarantee instant approval. Chances are they are misleading you, which means they could be misleading you in other ways as well.

Credit check loans keep both you and the lender safe, as you know everything is being done above board.

Get Started Now

Overall, payday loans are low risk as they are for small amounts of money and don't require any collateral. Although they come with high interest rates, this is less of a burden because the loan is repaid in full within 30 days.

If you need to borrow more than $1,000 or require a longer time-frame to repay, installment loans might be a better option. But, if you need money fast, use our tool today and you could be connected with online lenders in a matter of minutes!