$300 unsecured Bad Credit Payday Loans may help you in times of emergency or financial hardships to survive till the next paycheck. It can be applied online or in a store or any Check Casher at your location. It's easy to qualify and very fast to get. It takes some minutes to fill out an application form and 1 -2 days to deposit money into your bank account.

Need 300 Payday Loan?

$300 dollar Payday loans are short-term unsecured cash advances often applied for by Americans who don’t have enough funds to live to the next paycheck.

Nearly six in 10 Americans don't have enough savings to cover a $500 or $1,000 unplanned expense, according to a new report from Bankrate.Only 41% of adults reported having enough in their savings account to cover a surprise bill of this magnitude1

If you are a resident of California, keep in mind that you can apply only for $255 Payday Loans online.

Why take a $300 loan?

  • They are quick, effortless and faxless – you can get $300 the same or next business day without doing any paperwork;
  • You can get approved for a $300 cash advance even if you have Bad Credit – the majority of lenders take into account other factors besides the score;
  • They are convenient and can be used for any personal needs such as paying a bill, repairing a car, redecorating the house, going to the doctor, etc.;
  • There are very few easy requirements to qualify for a loan – you just need to be the US resident, have a stable income, a valid bank account and e-mail address;
  • You don’t need any guarantor or collateral to get $300 – it’s unsecured;
  • Most lenders don’t do any credit check as the amount is rather small and not risky, so applying won’t affect your Credit Score;
  • You can even improve your score by planning your repayment carefully and doing it on time.

Make 300 dollars fast - Apply for $300 Payday Loan online

It is not that easy to deal with the loan that is to be repaid in a lump sum with your upcoming paycheck. So, to make the borrowing process work in your favor, you’d better follow a certain plan.

$300 Loan Calculator

Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.
To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

What should I do to get approved for $300 dollar Payday Loan?

  • Don’t apply for the first loan you find on the Internet. There are a lot of lenders who offer various rates and fees for their loans. Compare them on COMPACOM.com and choose the best one before applying. Read more details How to Choose a Reliable Lender.
  • Read the reviews of the company you’ve chosen. Make sure it’s a reliable certified legal organization.
  • When you submit the application form ensure that the data are very accurate. This will speed up the process so that the money is deposited into your account just in a couple of hours.
  • Borrow right the amount you need to avoid paying more.
  • To get money tomorrow or even today apply as soon as possible. For that check the business days and working hours of the lender.
  • Take care of your finances to be able to repay the loan on time. Plan the budget.

Follow these simple rules and the borrowing process will be easy and hassle-free like in the case of Peter Brown who shared his experience of taking a $300 Payday cash advance online:

Peter has a family of a wife and two children. He works as a sales manager in Walmart. He’s always struggling to cover his monthly expenses. Two months ago his son entered a music school and he needed an instrument to practice. Peter didn’t have any extra money to buy a guitar, but his son’s desire was so strong that he just couldn’t refuse him.

Mr Brown applied for $300 online and got a quick approval though his credit score was just 560. Natan, his son, turned out to be very talented. He’s already thinking of his own band. So the guitar was a good investment, not a waste of money.

Peter paid the 300 dollar payday loan as soon as he got his next paycheck. He paid 20% as interest plus $20 dollars in various fees, so the loan cost him $380 dollars all in all. But that’s peanuts in comparison with happy smiles of his relatives.

His case is not the only one. Most Americans face certain financial problems from time to time when even as little as $300 can help. And if they can’t borrow from banks, relatives or friends, Payday loans are the best solution. Compare the offers from the Best Direct Lenders online or Apply now.


Rates last updated February 9th, 2023


Rates last updated February 9th, 2023

Can I get a $300 Payday Loan with Bad Credit and NO credit check?

The average credit score in the United States is 695. The Consumer Financial Protection Bureau3 defines it as a 'prime' score. About 14% of the population has no credit score at all. These people are considered underbanked and often have difficulty obtaining new lines of credit. About 40% of the Americans fall under the “subprime” category which means they have the score below 620, or to say it in simple words – bad credit2


Interesting to know!


Average Credit Score

Subprime Credit Scores (620)

Near Prime Credit Scores (620 - 680)

Prime credit scores (680+)






As we see more than a half population can hardly obtain money in a bank, credit union or other official financial organizations. The way out for them is to apply for a Payday Loan, Installment Loan or Personal Loan online or in a store.

Available for Bad Credit

Online lenders mostly approve customers even with bad credit. In order to determine how risky the borrower is they take into consideration such factors as employment history, the stability of income, homeownership, etc. If we speak about $300 loans you may be guaranteed to get the money as such small amounts can’t do much harm in case of default. Lenders may ask for s bit higher interest to make sure they don’t lose money. But if you pay on time the overlay won’t be significant.

bad credit 300 dollar loans

No Credit Check

No credit check is usually done to verify the borrowers’ credit history as any credit is welcomed. So applying can’t affect your score. Moreover, if you pay off the loan on time you can even improve your FICO score.

 no credit check 300 loans


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