Need to cover emergency expenses but can’t get approved for an instant cash advance because of bad credit? Or you already have another Payday Loan? Apply for a 2nd chance Payday Loan.

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APR from 4.99%

Table of Contents:

What Are 2nd Chance Loans?

What 2nd chance Loan to choose?

2nd chance Payday Loans direct lenders review

How to get a 2nd chance Payday Loan from direct lenders online?

How to qualify for a 2nd chance Payday Loan form direct lenders?

Second chance Payday Loans for bad credit

No credit check 2nd chance Payday Loans from direct lenders

What Are 2nd Chance Loans?

Second chance loans get their name due to their extremely high availability. They aim at providing necessary funds to borrowers who were previously denied cash advance or those who have another outstanding loan.

A 2nd chance Payday Loan is a short-term urgent funding up to $1,000 for the terms of 14 - days. No matter whether its purpose is to pay bills or to rebuild the credit, you are very likely to get the money.

What 2nd chance Loan to choose?

Depending on the amount and terms affordable in your situation you can consider the following types of second chance cash advance from direct lenders:

  • 2nd chance Payday Loans backed by your next paycheck. Get the money same day you apply and pay it back within a month usually.
  • 2nd chance short-term Installment Loans – unsecured cash advance repaid in fixed installments within several months.
  • 2nd chance cash advance on your credit card which you’ll need to pay off together with the interest.
  • 2nd chance bad credit Personal Loans – higher loan amounts up to $35,0000 suitable for subprime borrowers.

2nd chance Payday Loans direct lenders review

We’ve reviewed numerous online direct lenders offering second chance Payday cash advance to borrowers with any credit with no hard credit check. Check out the best available options, compare their rates and terms and apply online for the necessary instant funding:

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.

 

GoGoPaydayLoans offers Payday Loans at affordable rates with convenient repayment terms. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $1000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day

$100 - $1000 Payday Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $100.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Loan By Phone offers Payday Loans, Installment Loans and Line of Credit.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $3000
  • Terms: Varied
  • Rates and fees: Vary by state
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Line of Credit
  • 21 years of age
  • Social Security Number
  • Proof of Income (from your job, pension, welfare, or other source)
  • Valid email address
  • Active checking account (open for at least 90 days)
  • Current cell/home and work phone number
Pros
  • All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.
  • Flexible repayment.
  • Available in most states.
Сons
  • High interest rates.
  • If you don't pay back on time your data may be sold to third parties.

 

Indyloan.com offers Personal Loans online at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $5000
  • Terms: Vary by state
  • Rates and fees: Varied
  • Turnaround Time: 1 - 2 business day

Personal Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
Pros
  • Quick - no driving, waiting, faxing, paperwork.
  • High approval rate even for bad credit borrowers.
  • Online Payday cash advance with no collateral or co-signer.
  • 24 / 7 online service.
Cons
  • High interest rates.
  • Available not in all the states.
  • Only loans up to $5000 are available.

 

How to get a 2nd chance Payday Loan from direct lenders online?

Need money right now? Apply online, get approved for up to $1000 Direct deposit loan in a few minutes and pay it off with your next paycheck.

Make sure, you are informed of all the rates and terms before you submit the loan request and sign the agreement. There may be some third parties who charge additional fees. Be careful to control this fact.

How to qualify for a 2nd chance Payday Loan from direct lenders?

There’re simple basic criteria that you must fulfill to qualify for a second chance Payday advance:

  • you should be an American citizen or resident,
  • should not be below 18 years,
  • should provide a Social Security Number, Address proof, Income proof, Driver’s license, etc.

Second chance Payday Loans for bad credit

Second chance Payday Loans are specially designed for borrowers with bad credit who can’t get approved by traditional as well as third party lenders. It’s fast and easy to receive Payday advance as approval is not based on your FICO rating and lenders usually skip hard credit check.

Among other reasons why 2nd chance Payday Loans are a good option are:

  • No collateral is required
  • No minimum credit score limits
  • Use $1000 Payday loan for any purpose
  • Can contribute to your credit score improvement
  • No hard credit check
  • Same day funding
  • Flexible loan amounts between $200 to $1000
  • Instant direct deposit of the money into your bank account
  • Guaranteed approval online
  • Minimum eligibility criteria
  • No faxing or paperwork
  • No collateral
  • Competitive rates of interest
  • Safe and convenient application online

Read more: Bad Credit Payday Loans

No credit check 2nd chance Payday Loans from direct lenders

Online Payday Loan direct lenders that we offer you to compare provide cash advance with no hard credit check, no Teletrack, no brokers, no faxing. You can get from $100, $200 to up to $1000 Payday Loans from legit payday lender avoiding any third party. Applying is quick and hassle-free and lets you get access to fast 1-hour cash with guaranteed instant approval.

Read more: No credit check Payday Loans

As soon as you fill out the second payday loan online application form, you may expect the necessary financing the same day via the electronic funds' transfer system.

However, all legitimate second chance loans online direct lenders recommend improving your credit history. Try to make timely payments on your cash advance. This will provide you with instant guaranteed approval Payday loans from direct lenders.