Do you need a payday loan but don't want a hard credit inquiry? If so, you're in luck. There are a number of small, online payday lenders that offer loans with no credit check required. This can be a great option if you need instant cash fast and have bad credit or no credit at all. Just be sure to carefully read the terms and conditions of any loan you take out, and make sure you can afford to repay it on time. Otherwise, you could end up in debt spiraling out of control. With responsible borrowing, though, small payday loans without credit check can be a great way to get yourself out of a tight spot. 


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Online Payday Loans No Credit Check

When it comes to online loans with no hard credit checks, the best cash advance is No Credit Check Payday Loans with Instant Approval. If your FICO score isn't perfect but you still want some money for emergencies Payday Advance might be the right fit! This type of financing is available at all hours from anywhere. There's never been easier access to instant loans with no credit check than ever before. Every borrower can take out a small Payday Loan up to $1,000, or even $1,500 with bad credit and guaranteed approval online. It's much faster and easier than surfing for "Loans No Credit Check Near Me". 
"Payday Loans Online No Credit Check" search query is constantly taking high popularity positions in Google trends proving the fact that US residents tend to choose small cash advance with no hard inquiry.
Online Payday Loans no credit check

Loan Places No Credit Check Near Me

No credit Payday loans can be borrowed both in-store and online. Every borrower should weigh all pros and cons of each option, considering direct lenders or brokers (matching services) whichever suits you best.  Check their rates, amounts, and terms available to find the most convenient Payday Loan offered without a hard credit check. COMPACOM provides the most up-to-date information on the rates and fees of the most reliable lending companies. You'll just need to google for "Payday Loans Near Me No Credit Check" and you'll be able to find a number of lenders doing no hard inquiry while approving a loan request.

How to get a No Credit Check Payday Loan Online?

Applying for Payday Loans with no credit check is pretty fast and easy if you follow three simple steps:

  1. Fill out an easy free online application form
  2. Wait a couple of minutes to get an instant approval with no credit history check
  3. Get the money deposited into your bank account within 24 hours.

Everything is quick, easy and convenient.

No Credit Check Payday Loans

How to ensure guaranteed instant Approval For No Credit Check Payday Loans?

Payday lenders providing no credit check loans require only several simple qualifications from the borrowers.

There are some ways to apply for a payday cash advance and get an instant decision from a direct lender with no hard credit check and no effect on your credit history:

  • Don't take out a lot of loans in a short time. If you take many small loans, lenders see you like a more risky consumer, even if you repay these loans. For lenders, it indicates, that you're in an unstable financial state.
  • Make payments on time. Your credit history includes previous repayments, it means that all missed or late repayments will be stored in your profile for about 2 years.
  • Don't make too many applications in a short time. A few Payday Loans applications are ok, but if you have bad credit and make many financial requests, it indicates you like the borrower with some financial difficulties.

On the whole, no credit Payday loans are designed to help those people who suffer from financial hardship and cannot obtain funding from other places. You may count the average cost of your loan online with the help of our online Payday loan calculator. Take into account that the rates and fees are just representative numbers. For more precise details consult the lender.

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. 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.


What are No Credit Check Payday Loans?

The most popular form of emergency no credit check loans is Online Payday Loans, cause this kind of loan is usually short-term, easy, and quick to get and available for bad credit. You can apply for a Payday cash advance in a store at your location as well if you find this option more convenient. It will additionally provide you with the chance to obtain same-day Payday Loans with no credit check.

Usually, there are only some simple requirements to get the loan with no credit check:

  • you must be an adult over 18, but not older than 65 years;
  • be a resident of the USA;
  • you should have a valid bank account;
  • show the documents, which verify your monthly income;
  • have a valid phone number to cooperate with a lender.

How do No Credit Check Payday Loans work? 

A no credit check loan is a type of loan in which a lender evaluates your creditworthiness without using a credit report, i.e. without any credit check. No formal review of your credit report allows you to avoid ruining the score.

The most common cause of borrowing money without credit inquiry is Payday lending. It’s typically a small amount, an unsecured loan given to people with poor or bad credit.

The term, “no credit check,” means that the lending institution doesn’t check your credit score before issuing the loan. This allows individuals to borrow money when they would not normally be able to borrow due to poor credit history or low score.

Have bad credit? Payday Loans guarantee approval even with no credit check!

If you have bad credit you naturally worry about getting approved for a Payday Loan and looking for a direct lender offering cash advance with No credit check. The information below will help you wade through innumerable details of lending process, credit score, credit history, and various credit inquiries.

How do multiple loan requests affect your credit score?
Hard or Soft credit check? What does it mean?
What is FICO credit score?

Pros & Cons of No Credit Check Payday Loans from Direct Lenders

Direct lenders, who offer you the Fast Payday loans with no credit check, can be predatory lenders. Predatory lenders offer you extremely high interest rates (300 percent or higher) and for quite short terms (usually from 1 to 4 weeks). The combination of high rate and short term can be very dangerous. If you can't repay the loan on time, your lender charges new fees, or pressure you to take a new loan to repay the last one. And then you have to pay, to pay and pay... until you are cleared out.

But are there any fair lenders, who offer loans with no credit check? – Yes, and now it's time to talk about the difference between fair lenders and predatory lenders. A good lender checks your ability to repay even with no credit check. It usually includes:

  • verification of your current place of work (you should work at the current place at least for a few months)
  • check from your bank account (it should be registered in your name for at least 3 months).

Fair Payday Loan direct lenders also use alternative credit data to define your ability to repay the loan. Moreover, you can use your car or house as collateral. In this case, lenders can offer you better conditions, and it will motivate you to make payments on time.

Are No Credit Check Payday Loans safe?

Actually, no credit check Payday loans don’t differ much from traditional Payday cash advance characterized by a soft inquiry. Neither of them affects your score. 

Must know!
In fact, no credit check is performed only before you are matched with one of participating lenders. After that, the lender may perform different inquiries, including 3 major bureaus: Equifax, Callcredit, and Experian! 

Besides, the safety of the loan mainly depends on the borrower as it’s only up to you to do some research and find a secure reliable lender. To make things easier, use Compacom comparing service to find the offer with the best rates and fees. 

No credit check - is it really so good? 

Credit checks allow lenders to determine your creditworthiness. They help to find out whether you are likely to repay the loan. With their help, it’s decided to approve you or not. 

While useful for lenders, credit checks can be seen as an important protection for borrowers too. They help you to make sure you don’t take a loan that you can’t pay off. Sometimes it’s better to get denied than to get into debt.

Why do Americans choose the Same Day Loans with no credit checks? 

12 mln Americans choose Payday loans, mostly because they are available for bad credit and are granted without hard credit check. There’re other numerous no credit check Payday loans benefits:

  • no effect on your credit score
  • easier to qualify, even if you have bad credit
  • easy to qualify, 90% chance of approval
  • quick processing
  • no paperwork
  • no guarantor or collateral
  • safe and confidential

Have financial problems? Your credit score is not very good? You don’t want to damage it even more? Choose short-term (14 - 30 days) No Credit Check Payday loans up to $1,000 with instant approval!

Are there any risks in Payday loans with no credit check?

To protect yourself from the scammers you must know their tricks. Below we enumerate the most popular traps, which unfair lenders use in their business:

Overdraft fees. I'm sure you know that lenders use penalty fees, when customer doesn't pay on time. Since most lenders use the accounts of customers for automatic payments, the fees can also be charged automatically. But what you don't know is that there're overdraft fees, which add $180 (on the average) in addition to any other fees, that lender charges for late payments.
Extreme interest rates. Payday Loans always have very high interest rates, it may not seem so, if we look at the fees, which lenders usually offer, but it's a great mistake. For example, you take out $100 Payday Loan and the fee is $30, it's not very big, isn't it? But if we turn it into APR, it gets up to 782%.
Loan default. It happens when a borrower can't repay the loan or has to take out a new one. Debt collectors can use illegal means to get their money back, the bank of a consumer usually withdraws funding of his account and the government can stop funding too. This faith befalls 20% of Payday Loans borrowers according to CFPB research.
Closure of a bank account. If you have a negative balance for a long time, the bank can close your account. After that, the lender will force you to buy a new debit card with high fees (cause ordinary banks will not approve your application) to pay the bills. According to CFPB statistics, 36% of the bank accounts, which have failed debit transactions for the first time, were closed in 90 days.

    No problem, here's another one. When you failed to repay the loan, that you took out, the lender would offer you to apply for another loan with new fees. The Consumer Financial Protection Bureau found that 4 of 5 people take out another loan from their lenders in 30 days and most borrow more than 5 loans in a row1. Now you know, why refinancing is prohibited in most states.

    No Credit Check Payday Loan Alternatives With Easy Approval

    Many Americans choose short-term small-dollar unsecured Payday loans for no credit, or for bad credit as they require a soft or no credit check. It means they are easy-approval loans to help you solve financial problems without affecting your credit score. They are legal except for the states that ban short-term lending.

    Any time we think of borrowing money we should realize that it implies some kind of proof that you can pay it back. Lenders find out how risky you are with the help of credit check which reveals your FICO score and credit history and can be hard or soft. During soft inquiry your FICO score isn’t reviewed by the lender having no negative affect on it. While hard inquiry presupposes the credit review1

    Different loans require either this or that kind of inquiry. Car Title loans, mortgages, credit cards are usually connected with the hard ones, while Installment Loans, Payday Loans, Personal loans may be granted with a soft check which will not affect your score. Or there is even a chance to get no credit check cash advance.

    Besides Payday cash advance you can get a lot of other loans without a hard credit check, for example, Student Loans, Auto Loans, even some mortgages. The loans with no credit check may seem a good option, but there're a few pitfalls. The interest rates are usually high, debt consolidation is aggressive and you’re more likely to come across scams. No credit check loans are worth it, only if you have a very low credit score and can't fix it. Consider the following no credit check loans:

    • Personal Loans with no credit check

    • Long term Installment Loans with no credit check from direct lenders

    • Signature loans with no credit check

    • No credit check car loans

    • Easy tribal Payday loans with no credit check


    If you're in need of some quick cash, payday loans no credit check may be a viable option for you. We've outlined the benefits and drawbacks of these short-term loans so that you can make an informed decision before applying. Keep in mind that there are alternatives to payday loans, such as installment loans or credit cards, so be sure to explore all your options before settling on a loan product. And if you have any questions, don't hesitate to reach out to us for help.