Looking for small Payday loans for bad credit? Get quick cash from a direct lender with no credit check regardless of your credit score.  Apply for a bad credit Payday Loan online and get instant approval even with a poor rating.


Loans for ANY NEEDS
APR from 4.99%

How to apply for Bad Credit Payday Loans? 

With a bad credit Payday Loan, you’ll get up to $1000 cash deposited into your account within 24 hours. Just fill out a simple application form online and get instant approval if you meet the lenders’ basic requirements, which typically are:

  • Minimum FICO score of at least 600
  • Clean credit history; no judgments, liens, and bankruptcies on your credit report; and a history of making on-time payments
  • Stable employment
  • Proof of identification with a passport, driver’s license, or voter’s ID. You’ll also need to provide proof of residence such as a utility bill.

Apply Online from direct lenders 

If you have a poor credit score you'll definitely have more options to choose a lender online than to go to a Payday Loan Near Me location. Online cash advance has numerous advantages:

  • You don’t have to drive and wait in lines
  •  You avoid doing paperwork and faxing documents
  • You get a chance to compare a lot of lenders at a time and choose the best one
  •  Your personal and transaction information is completely safe
  • There’s a higher possibility to find a lender with no credit check requirements
  •  Once approved, you’ll get the necessary funds deposited directly into your checking or savings to account within 24 hours.

The process of applying for a Payday Loan online is quick and easy:

  1. Surf the net for top direct lenders offering bad credit Payday Loans
  2. Choose the lending company whose rates and terms suit you the most
  3. Fill out a simple free application form online
  4. As you get approved, read the conditions of the agreement and if you are satisfied, sign it
  5. Get the money deposited into your account within 24 hours
  6. Repay the money as you get your next paycheck.


Loans for ANY NEEDS
APR from 4.99%

Best Online Payday Loans for bad credit 

To choose the most reliable Payday Loan online direct lender you'd better read the customer reviews. Our direct lenders' rating is based only on verified reviews of real people. Here are some of the top picks:

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.
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 


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
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
  • 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)
  • You can get even as low as $100.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.


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
  • 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.
  • High interest rates.
  • Available not in all the states.
  • Only loans up to $5000 are available.


Complete overview of the best Payday loan lenders for bad credit

Lender Best for MIN APR Term
CheckSmart Over 500 locations 354.86%  APR 10 - 30 days
Speedy Cash Wide choice of services 400%APR on average Up to 1 month
Advance America Credit scores below 500 Vary by state 2 - 4 weeks
Check Into Cash Fast payout Depending on the state 30 days
Lend You High loan amount limits 17,5% MPR Vary by state
Greenlight Cash Loans Quick access to funds Vary by state 1 month
Amscot Low-interest rates 271.14% APR 14 - 31 days

Bad Credit Payday Loans

How quickly can you get a Payday Loan with bad credit?

When you have urgent bills or any other unexpected expenses you look for quick cash. Here instant bad credit Payday Loans come to help. It takes only a few minutes to apply for online Payday Loans. And you may expect an instant decision from direct lenders even if you have poor credit.

As you have entered your personal information in the application form, it's redirected to the lender who will then assess your creditworthiness and approve the amount you qualify for.

You do minimal paperwork. There's no faxing. No hard credit check. All these contribute to your getting emergency Payday Loans even for bad credit.

Look for "Payday Loans for bad credit near me"

Though online Payday Loans for bad credit are more widespread and naturally easier and faster to get, there do exist storefront lending companies offering Payday cash advance to borrowers with poor credit. Surf the Net, use a loan locator or the map to find lenders near you. On our website, as you enter your city or zip code you are provided with all the necessary information on the Payday Loan shops near you. You'll find their addresses, directions, phone numbers, etc. All you have to do is get into the car and drive to the nearest Payday shop.

How to get Bad Credit Payday Loans guaranteed approval?

A bad credit loan is the type of credit given to borrowers with a FICO score below 640. You usually need at least 600 to qualify for such a loan. To get the money you may turn to credit unions, family, friends, peer-to-peer lending platforms, or use an online lending service. When choosing an online lender for a bad credit loan, there are important features to take into account. 

  • Type of lending company
  • Credit history and general qualifications
  • Co-signer option
  • Additional eligibility qualifications
  • Employment requirements
  • Interest rates and types
  • Loan terms
  • Fees and penalties
  • Repayment options

You are most likely to get a Payday cash advance from $100 to $1000 if you apply online and choose the lender that specializes in bad credit Payday Loans. Besides, it's a good idea to try to improve your score and get better rates and terms as well as guaranteed approval.

How much do Payday Loans with bad credit cost?

The cost of a bad credit Payday loan varies depending on the lender. It can also be set or limited by the state's Payday Loan laws. So, before signing the agreement or when comparing the offers, check the APR, finance charges, and any additional fees. They must be transparent and provided to you in a written form in the language you understand. Make up your mind only after you get the detailed information.

You can calculate the cost of your cash advance using our free online Payday Loan online calculator.

What are the Pros and Cons of Online Payday Loans for bad credit borrowers? 

Before applying for a bad credit Payday Loan take into account all its advantages and disadvantages:

Advantages of Bad Credit Payday Loans Online
  • Fast and easy application 
  • No Hard credit check
  • Apply online with no driving and no faxing
  • Guaranteed instant approval from direct lenders 
  • Cash the next day or even same day deposit 
  • Applying doesn't affect your credit score
Disadvantages of Bad Credit Payday Loans Online
  • High interest rates
  • Risk not to pay back the loan on time and be charged additional penalty fees
 What are bad credit Payday Loans?
 Are there Bad Credit Payday Loans with NO credit check?
 What are Bad credit loans, not Payday Loans - amounts, rates, and terms?
 How to find an alternative to Payday Loans with poor credit?