Payday Loan No Credit Check: What It Is & Best Offers

Payday Loan No Credit Check

Finding payday loans no credit check can be a hassle, especially if you need help determining what makes a good offer. Considering that many direct lenders try to exploit borrowers because of their desperation, you might need guidance to arrive at a fair and reasonable financing option.

However, it might not be a long term financial solution like traditional loans. Hence, in this guide, we'll explore some of the best online payday loans with no credit checks and what to expect from each of them during and after your application.

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Payday Loans With No Credit Check: Best Offers 2022

The internet provides lots of variants to pick from in terms of borrowing. It can be confusing to find the right choice if you aren't sure what to consider. Hence, to help you reach a good decision, we've compiled the best payday loans online.

Rest assured, aside from no credit checks; we evaluated each option here over various criteria. These include the interest rates, loan amounts, perks, drawbacks, and the general requirements you must meet to apply. Check out the list below.


Upstart Loans

Upstart is one of the fastest payday loan providers online. It offers a swift processing time and allows borrowers with no credit history to get guaranteed approval for flexible loans. The creditor sets itself apart from others with its unique model, which uses AI and various data to qualify borrowers.

However, it doesn't have a flexible option because of its zero tolerance for joint, secured loan terms. You can't cosign here as well, which is such a bummer. 

APR: 5.42 - 35.99%

Terms: 3-5 years 

Origination fee: 0-10%

Minimum credit requirement: N/A

Loan amounts: $1,000 - $50,000

Requirements: 18+ years old, 75% debt-income-ratio, bank account, US citizen, 2 years overall credit utilization period, etc.


  • Doesn't require any credit check.
  • Offers a short processing period.
  • Borrowers can change monthly payments dates.
  • Allows pre-qualification via soft credit checks.


  • Charges origination fee.
  • Needs a mobile app.
  • No split repayment term.


If you're keen on getting personal cash advance loans as fast as possible, then you can achieve it with Upstart. It also doesn't do hard credit checks, making it an ideal option for bad credit score users. Upstart is a reliable and secure financing option for low and large amounts.



If you wish to get extra cash but are worried about your bad credit score, here's a great option. Upgrade is a good place for anyone looking to consolidate their debt profile. It's also immensely supportive of your credit-building plans.

You can get approved if you have a minimum credit score of 560. The requirements for approval are lenient. Its unique features include direct debt consolidation payments, rate discounts, extended repayment offers, etc.

APR: 7.96% - 35.97%

Terms: 2-7 years

Origination fee: 1.85% - 8.99%

Minimum credit score requirement: 560

Loan Size: $1,000 - $50,000

Requirements: 18+ years old, bank account, US citizen, 2 years credit history, etc


  • Offers various discounts on APRs.
  • Borrowers can also access joint and secured personal loans.
  • There's a mobile app for easy access.
  • Supports debt consolidation. 


  • Charges origination fee.
  • You can't select the initial payment date.
  • Doesn’t report to major credit bureaus.


Upgrade personal loans are the right financing option for anyone with a low credit score. Asides from supporting debt consolidation, it has multiple benefits that set it apart, as discussed above. 



Unlike other bad credit loan providers on this list, MoneyMutual is a community of interested funders. The platform serves as a marketplace that connects borrowers with lenders. So, it's good for sourcing funds of varying amounts.

It's easy to reach an agreement with direct lenders, too, so you can negotiate for the best deals before applying. However, due to the competition on the platform, the interest rates are high. The payday loans no credit check cost can also be unbearable since the lender exclusively determines it.

APR: Varies 

Terms: Varies 

Origination fee: Varies 

Minimum credit requirement: None

Loan amount: Up to $5,000

Service: Online Marketplace for lenders, joint, secured and installment loan


  • Offers a swift funds processing time.
  • Allows borrowers to borrow small and large no credit check loans.
  • Supports bad credit loans or poor credit history.


  • Needs fixed APRs.
  • The approval process needs to be clarified.
  • Offers are limited to the lender that reaches out to you.


MoneyMutual is a platform that connects creditors and borrowers. It gives bad credit loans users a shot at decent cash advance online offers. However, its APRs and terms can vary wildly.

Big Buck Loans

Big Buck Loans

Big Buck is another option for bad credit loans seekers and unemployed borrowers. This financial institution offers decent interest rates on its loan. It charges late payment fees and penalties on missed payments, though.

You can borrow up to $5,000 with Big Bucks. It can be the best bet for freelancers, self-employed individuals, and contract workers. 

APR: 5.99% - 35.99%

Terms: 3-24 months 

Origination fee: None

Minimum credit requirement: None

Loan Size: Up to $5,000

Requirements: 18+ years, income proof on bank account, $1,000+ monthly income 


  • Supports bad credit loans and zero credit history.
  • Doesn't require payslips for approval.
  • Borrowers can request up to $5,000.
  • Payment processing time is fast.


  • Charges late and missed payments.
  • Doesn’t report to major credit bureaus
  • High-interest rates compared to other options.


As long as you meet its requirements, there is guaranteed approval with Big Bucks. The cash advance amounts are high enough for mid-range requests, and the interest rates are fair too.

Viva Payday Loans

Viva Payday Loans

VivaLoan is another marketplace platform for bad credit loan borrowers. It provides an avenue for both parties to meet and create a win-win situation. The borrower gets their desired funds, while the lender makes extra money through interest.

However, like similar platforms, most of its rates, terms, and offers are determined by individuals in the marketplace. You can request from small amounts to larger sums like $15,000.

APR: Varies

Terms: Up to 60 months 

Origination fee: Varies

Minimum credit requirement: None

Loan amount: $100 - $15,000

Requirements: 18+ years old, US residents, bank account, $1K+ monthly income 


  • Doesn't check the credit profile of applicants.
  • Can offer up to $15,000.
  • Provide fast funding.


  • Needs to provide clear information regarding interest rates.
  • Only available in some states.


Although the platform thrives on individual offers, you can rest assured of fast funding within 48 hours of application. VivaLoan can also help you build your credit in the long run.

Heart Paydays

Heart Paydays

Heart Paydays keeps to its public image with its robust features. It's a comprehensive option with easy application. Borrowers can upload their documents online and get approved to borrow money in minutes, unlike bank loans.

It allows you to borrow up to $5,000 and go as low as $100. Although the interest rate can be too high for some, it is still a fair deal compared to other options on the internet. Borrowers can set the repayment term to vary next payday between 3 to 24 months.

APR: Up to 35.99%

Terms: Up to 2 years 

Origination fee: None

Minimum credit requirement: None

Loan amount: $100 - 5,000

Requirements: 18+ years old, $1K+ monthly revenue, US citizen 


  • Simple application and approval process.
  • Extensive repayment terms.
  • Minimal requirements to apply.


  • High APRs.
  • Funds are limited to a maximum of $5,000


Whether you have good or bad credit, you can get a cash advance with Heart Payday. It has a good range of amounts to request, and the requirements are relatively easy to meet. 

Low Credit Finance

Many creditors supporting bad credit loans often require approval for wage slips and employment documents. But Low Credit Finance offers a platform for self-employed individuals to access extra funds. You can apply here for a bad credit loan even with no credit history.

It provides between $100 to $5000 on your application. However, the amount you get approved for depends on different factors. The lender allows you to repay your debts for up to 2 years after approval.

APR: 5.99% - 35.99%

Terms: 24 months 

Origination fee: None

Minimum credit requirement: None

Loan amount: $100 - $5,000

Requirements: $1K+ monthly revenue, 18+ years, bank statement 


  • Has a flexible repayment schedule.
  • Supports both bad credit loans and those with no credit history.
  • Offers fair criteria for approval.
  • Suitable for freelancers, self-employed, etc


  • High APRs.
  • Limited range of amounts available.


Overall, Low Credit Finance is a good recommendation for bad credit loans and keeping an independent paycheck. It combines simple approval with fair repayment terms, giving it an edge over many other options.

How Do Payday Loans With No Credit Check Work

How Do Payday Loans With No Credit Check Work?

Any cash advance you apply for without the lender carrying out a credit check is a Payday Loan with No Credit Check. These types of loans, unlike personal installment loans and bank cash advance, require no credit history to get approved.

You can also get approved even if you need better credit. This makes it a great option if you are a student with no financial history or have a bad record.

The downside is that the APRs for these types of credit check loans are high. Hence, you might have to pay a considerable sum to get the cash advance, unlike an installment loan.

These can include the interest rate, processing fees, cash advance costs, and other charges. But it does provide faster service and lower requirements you won't find on different options.

Why Do Lenders Check Your Credit?

Every lender takes a certain level of risk with every installment loan they give out. Sometimes, some collaterals stand as security, like title loans, but when there aren't, they might need to check your credit. The act of credit checking is therefore essential to know the borrower's history, repayment patterns, and how reliable they can be.

Anyone with high credit score reflects good history with finance and is therefore reliable. The creditors carry out these checks by requesting them from any credit report agencies (TransUnion, Equifax, and Experian).

How to Apply For No Credit Check Payday Loans Online?

Payday loans are known for their easy application, few requirements, and swift processing. These online loans can be processed and received within minutes to a couple of hours. However, they still demand some basic information when applying.

For example, you must be above 18 years to apply for some of them. While others require you to meet a minimum earning requirement or have good credit report history to qualify.

Check out a simple process of application for big and small payday loans online below:

  • Visit the official website of the lender.
  • Find the "Apply," "Get Loan," or other CTA buttons.
  • Input your name, address, and personal information (ensure you input the correct details).
  • Provide a means of identification, such as a government-issued card.
  • Provide your bank or account details.
  • Submit the form and wait for the approval.

No Credit Check Payday Loan Requirements

As mentioned earlier, there are specific requirements you must meet to get a payday loan. These are criteria set by each lender to screen potential borrowers. But you can expect them to be quite lenient compared to other instant cash advance loans online. 

These criteria can determine the number of funds you can get next payday, so you should try to meet as many as possible. Depending on which of them you opt for, you might have to meet one or more of the requirements discussed below. 

Government Issued ID

This is an official document that the government provides. It often carries your name, address, and other information verified by the government. So it's a good way for creditors to verify your identity and confirm your residency/citizenship.

Only some direct lenders will want this in your payday or bank loan request, but you should get it prepared in case. Sometimes you'll have to mail a copy for approval.

However, for most online financing options, you can always share an e-copy of the document.

Source of Income

It's optional, but a typical creditor will request your source of income. Your source of income can be your profession; the amount earned monthly or annually. This helps the lender to understand your financial situation. It's a significant determinant of how much you can get approved for when you apply.

If you have a low source of income, chances are, you'll get low amounts. You can increase your chances of getting approved and boost your installment loan amounts if you have a reliable source of income.

Ensure you provide accurate information, though, because you might have to verify the information later in the approval process.

Checking Account

A checking account is sometimes called a transaction or current account. It's the account held at a bank for making day-to-day transactions. It's the account you can link your debit cards to for transactions in place of cash. It can be an individual, commercial, collective, or even a student account.

Many lenders request this to assess your financial transactions. Some lenders want to know how active your account is or confirm your identifications as well as bank details. It's also the primary account that you will link to your online loans. It's where you receive the credit and the account where the direct lender deducts the costs. 

Social Security Number

The social security number (SSN) is a numerical identifier issued by the government. The number helps keep track of each citizen in the United States. It also helps to determine and manage each citizen's income level and assess their benefits.

Creditors often ask for this in your loan request to understand and verify the income levels of the individual. This way, accessing various other information about the individual is easy. It's an essential requirement, so ensure you have one before applying.

Personal Check

A personal check is a paper slip issued by a bank or financial institution. The check is signed by you and allows anyone holding it to withdraw specific amounts from your account. The amount withdrawable with the slip depends on the figure entered on it. The money withdrawn comes from a personal checking account too.

This slip can contain details such as the amount withdrawable, account number, payee's name, and routing number. Lenders usually request this as a means of security.

So once you're able to repay your loan, the amount signed can be withdrawn from your account without having to reach out to you. Not many creditors request this paper, so you don't have to worry about it.

Why Do I Need Payday Loan Without Credit Check

Why Do I Need Payday Loan Without Credit Check?

Although it varies between borrowers, there are common reasons you should apply for a payday loan. Despite its record for having some of the highest interest rates, below are some of the major scenarios that can warrant applying for a payday loan with no credit check.

  • Urgent Cash: Various lenders offer extra cash, but a payday loan is your go-to option for the fastest processing. The swift payment processing is why many borrowers are okay with the huge APRs.
  • Low Credit Score: Most payday loans are the perfect option for you if you have poor credit scores. Most don't do credit checks, so it's wise to apply for this if you have a bad credit score.
  • No Credit History: For students with no financial history or someone who wants to avoid involving their credit history, you might be better off with small payday loans.

Are No Credit Check Online Payday Loans Safe?

Online installment loans are safe to an extent if you don't end up with scammers. So taking an online payday loan can be a secure process. However, Payday loans online have more chances of being scammed since lenders don't require credit checks and can take bad credit scores for approval.

To guarantee your safety, try to stay away from lenders that make tall promises with fast cash loans. Only borrow from lenders that make realistic offers such as low-interest rates, high amounts, and excessively long repayment terms.

Reading online customer reviews can be of great help too and opting for those that can help with a credit report.

How Much Payday Loan with No Credit Check Costs

There is no specific amount to expect when taking payday loans online with bad credit. However, it typically costs between $10-$30 for every $100 you borrow. The amount can vary for different lenders. So check with your preferred direct lender to ensure you only pay your budget. The costs seem ambiguous when examined over a year. But it's reasonable when broken down into monthly payments. Failure to repay early can attract late fees and other penalties as well. You can reduce the overall cost by making early payments. 

Advantages Of No Credit Check Payday Loan

  • Faster Access: They often have fast credit approval and a rapid payment processing period. So you won't have to wait days or weeks like personal loan terms.
  • Short Term Loans: It's a reliable short-term lending solution, meaning borrowers don’t have to spread the repayment terms over several months and years. You can quickly pay off the cash advance loan at once.
  • No Credit Check: They don't usually require borrowers to provide credit score information, meaning you can apply with bad credit or skip the process altogether. So there is a smooth loan application process. This also means you can avoid the risk of hurting your credit score, like some cash advances that do hard credit checks.
  • Modern Regulations: The lenders adopt current lending regulation and loan agreement terms for your debts so that you can set a flexible repayment schedule to pay it off.
  • No Collateral: As unsecured loans, you will not have to provide collaterals to get approved or risk losing your property if you don’t meet up with repayment.

Disadvantages Of No Credit Check Payday Loan

  • Expensive: You will have to pay high fees when you receive payday loans. This can include high-interest rates or late payment fees. The loan contract charges almost equal amounts for its service as other types of personal loans, despite its short repayment period. 
  • Can Be Predatory: Borrowers risk falling into a predatory situation. Installment loans often make empty promises and corner borrowers into difficult situations.
  • Debt Trap: With some payday loans no credit check, it's easy to fall into a debt cycle. The rates are so high that you might need help to repay. Hence, you might have to take out multiple personal loans and incur extra charges, falling into a debt trap.
  • Low Financial Solutions: You can't take a payday advance to sort huge financial bills. They usually offer low amounts. So it can only help you sort out minor financial issues like title loan, medical bills, fees, etc. and is not a reliable source of funds for high cash demands.


Payday loans have become increasingly popular over the years thanks to their fast processing and often guaranteed approval. To arrive at the right choice and avoid getting swindled or caught in a debt trap, you should carefully evaluate the lenders and their offers. Follow the guidelines discussed here.

When applying, ensure you have all the necessary documents like government ID, personal check, SSN, etc. You probably won't need a financial history and can pass for a bad credit score. However, be aware that having a good score can still help you gain better offers with the loaners.


How fast can I get a credit check payday loan?

It depends on which creditor you bank with, but you should get your cash advance loan within a day or two. The average payday lenders can approve a day payday loans of between $50 to $5000.

How much no credit check payday loans can I get at the same time?

The number of them you can apply for and receive no credit check loans from at the same time is unlimited. There are no credit checks, meaning the requests won't hurt your credit score. But it's not advisable to request cash loans from multiple payday lenders at the same time because of the enormous costs.

Which type of loan does not require a credit check?

Many installment loans require checks like bank loan. It all bores down to the direct lender and whether they want a verification process. Some online loans with no credit checks include payday loans, home equity loans, home equity lines of credit, forgivable loans, title loans, some personal loans, and other installment loans.

What is the easiest loan to be approved for?

The easiest way for guaranteed approval for a cash advance is to opt for these no credit check loans. These types don't require your credit information. So getting approved is relatively easy, even with low credit scores or no credit history.

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