Do you need quick cash but have a bad credit score? Can't get approved by banks, credit unions or other traditional financial institutions? We can help you compare the lenders who are ready to deposit the money into your account the next business day. Besides, we’ll uncover the key details of credit history, report and score definitions, difference between them, types of credit score, FICO score, factors influencing your credit, bad credit definition, opportunities to get approved for Payday loans for bad credit, and ways to improve your score.

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Table of Contents:

What are legit Payday Loans for bad credit?

Instant Payday Loans for bad credit

Pros and Cons of online Payday Loans for bad credit

Bad credit Payday Loans with NO credit check

Bad credit Payday Loans eligibility criteria

How to get Bad credit Payday Loans guaranteed approval?

How much Payday Loans with bad credit cost?

Online Payday Loans for bad credit from direct lenders

Payday Loans for bad credit near me

Compare bad credit loans, not Payday Loans, amounts, rates and terms

Best online Payday Loans for bad credit reviews

Find an alternative to Payday Loans with poor credit

What are legit Payday Loans for bad credit?

Poor credit Payday Loans are short-term small-dollar cash advance available even for bad credit borrowers. It's usually up to $1000 online Payday Loan which is to be paid back in 14 - 30 days. Direct lenders offering bad credit loans consider other factors to determine your creditworthiness. That's why your score is not a problem. It makes Bad credit Payday Loans a good solution at any emergency situation.

Instant Payday Loans for bad credit

When you have urgent bills, or any other unexpected expenses you look for quick cash. Here instant Payday Loans come to help. It takes only a few minutes to apply for online Payday Loans. And you may expect 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 for the amount you qualify for.

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

Pros and Cons of Online Payday Loans for bad credit

Before applying for a bad credit Payday Laon 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

Bad Credit Payday Loans with NO credit check

To find the lender ready to approve you for a bad credit Payday Loan with No credit check is hard but possible. A credit check is necessary both for the lender and the borrower as it reduces the risks to default a loan. If you want to repay the money on time you should make sure you can afford this bad credit Payday Loan. But if you want to get this money anyway, it's very urgent and you'd like to avoid this case in your credit report choose NO credit check Payday Loans. You must understand that the rates for such cash advance may be higher than usual as it's riskier for the lender. So consider getting a loan with at least a soft credit check. It'll make the process safer for both you and the lending company and the loan will be cheaper. Still it won't damage your credit history.

Bad Credit Payday Loans eligibility criteria

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.

Installment Loans and Personal Loans are also available for borrowers with bad credit. Though your score can influence the amount you want to take and the interest rate the lender will offer to you. The maximum sum for an installment cash advance is $5000, and for a personal loan - $35,000. In any case you need no collateral, no guarantor, no paperwork. No matter whether your credit score is 400, 550, or 600, get the chance to learn more about all the opportunities you have and compare the best lending services you are offered on

How to get Bad Credit Payday Loans guaranteed approval?

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 online lending service. When choosing an online lender for a bad credit loan, there are important features to take into account. You can find all these important criteria on the website, which gives you a unique opportunity to compare companies. Pay attention to5:

  • 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

The types of loans available for bad credit applicants are Payday Loans, Bad Credit Personal Loans, and Bad Credit Installment Loans. They typically have higher interest rates and shorter terms than loans offered to people with good credit. You are most likely to get a Payday cash advance as its amount is not very high, $100 - $1000, and the APR on the contrary may exceed 400%. This fact shouldn’t frighten you as due to short (14 - 30 days) term the overpay could be only $1 a day.

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.

Online Payday Loans for bad credit from direct lenders

If you have a bad credit score you'll definitely have more options to choose a lender online than to go to a Payday Loan Near Me location though you can find a Payday shop or check casher near you. Still online cash advance has more 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 or use a comparing service like
  2. choose the company whose rates and terms suit you the most
  3. fill out an application form
  4. as you get approved to read the conditions of the agreement and if you are satisfied to sign it
  5. get the money deposited into your account within 24 hours
  6. repayment will be done automatically as you get your next paycheck.

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.

Read more: Payday Loans near me

Compare bad credit loans, not Payday Loans, amounts, rates, and terms

Besides Payday Loans for bad credit there're other cash advances available for borrowers with a poor credit score. The most convenient options seem to be bad credit Installment Loans and bad credit Personal Loans. 

If we compare them to short-term Payday Loans we see that all of them are available for bad credit, with No hard credit check, no collateral, for any personal use. But Personal Installment cash advance is offered in higher amounts up to $35000 for a longer period of time and the repayment is done in fixed regular installments. Moreover, the interest is lower. 

Best Online Payday Loans for bad credit reviews

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:

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)
  • You can get even as low as $50.
  • 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.


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. 


Bad Credit Loans helps borrowers with bad credit score get the necessary urgent cash up to $5000. They connect you with reliable lenders who offer lower rates and affordable terms. 

  • MIN Loan Amount: $500
  • MAX Loan Amount: $5000
  • Terms: 3 - 36 months for Installment Loans
  • Rates and fees: 5.99% - 35.99% APR
  • Turnaround Time: 1 business day
  • Personal Loans
  • Business Loans
  • Credit Cards
  • Mortgage Loans
  • Home Loans
  • Student Loans
  • Auto Loans
  • a legal citizen of the US
  • an adult (age 18 or older)
  • a valid email address
  • a working phone number
  • the bank account where you’d like the money transferred. 
  • All credit score welcome
  • No collateral requirement
  • Easy loan request form.
  • Online processing
  • Quick Loan Request Decision
  • Rapid disbursement
  • High interest rates. 


Find an alternative to Payday Loans with poor credit

Payday Loans are undoubtedly good and the most available option for those who have a bad credit score. But if for some reason you don't want to apply for a short-term cash advance consider other alternatives:

  • Bad Credit Personal Installment Loans;
  • Secured loans, for example, title loans;
  • Loans from a bank or credit union;
  • Check out Government Assistance programs or apply for money with a non-profit organization;
  • Ask your family or friends.

  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000