Bad Credit Payday Loans Online

At PaydayNow, we perfectly understand that people with bad credit need help when there is no other option available. If it is an emergency, you may need the money as soon as possible. This is why we have kept our loan applications fast and simple.

It is actually possible to apply and get approved for our instant loans bad credit in a matter of minutes! 

With Paydaynow’s short term loans loan approval is based on if you can repay rather than your credit report. Having a bad credit score is not a hindrance.

It is possible to borrow with bad credit?

Applying for a payday loan with bad credit is possible online. Our requirements are also simple and as a result, the majority of people can qualify for our loans.

Our main requirements include:

  • You should be at least 18 years of age
  • You should have a government-issued ID card
  • You should have an active checking account
  • You should have a legal and reliable source of income

How to apply

When you fill an online application form, the information to provide includes your full names as written on your ID card, employment history, residential address, contact number and your bank account details. You may also have to give additional information depending on the lender. 

Employment details will be used to determine whether you are eligible for the loan. Account details are needed for the funds to be wired to the bank account. Processing the cash advance is a fast and transparent process. 

Qualified borrowers can get approved for a payday loan ranging from $100 to $1000 or even more. Compared to banks and credit unions, there are less formalities when applying for instant loans with bad credit.

Unlike banks where you can wait for weeks to have the money approved, we will ensure that you get the money in one or two business days without credit bureaus, credit scores and hard checks on your credit history.

Payday loan for bad credit

Apply from reputable direct payday lenders

When applying for instant loans bad credit working with a legitimate lender is crucial. This will ensure that you get affordable and transparent rates. 

There are also reputable lenders who charge affordable rates just to attract more clients. Take your time to find one of these lenders. 

PaydayNow will help you through every step, from getting the right lender, approving the loan and also ensuring that you get the money quickly.

With so many payday loan lenders available, you may not tell who the right guys in the industry are. We will relieve you of the struggle by connecting you to some of the most reputable and reliable lenders in the USA.

Remember that some people are only in the industry to take advantage of your bad credit situation. So if you come across lenders who guarantee 100% approval for bad credit, you should take a second through before working with them. 

What to look out for in bad credit payday loans?

Never underestimate the interest rate. The interest rate charged by payday lenders for bad credit loans is higher compared to bank loans.

Bad credit loans bad  can have an APR of up to 400%. But since there are many lenders who offer this loans, it is still possible to find a lender who charges low interest.

Bad credit payday loans with no credit checks?

Most online loan lenders do not perform a hard credit check.

Bad credit loans  do not have a lot of verification procedures and formalities. Personal and income verification cannot be avoided no matter how urgent you need the money. However, the information is easy to provide and you can get the money you need on time. 

Can I roll over my payday loan?

Another important thing to take note of is that your interest will increase if the loan term is extended. Lenders have different terms and conditions concerning this.

Paying extra interest happens at times, like when you make late payments. But the extra amount you will pay matters a lot. This is also a factor that you shouldn’t ignore.

Charging extremely high rates is a tool used by unethical lenders to milk money from unsuspecting borrowers. 

Payday loans Over the Phone

Paydayloans Over the Phone

Paydayloans Over the Phone For those who do not have access to the internet or prefer to deal with an individual when applying for the personal loan, there is a toll-free number that you can call to reach PaydayNow directly, (800) 787-1393

What types of Instant Bad Credit Loans Does PaydayNow Offer?

  • Installment loans

    Installment loan is a term that emphasizes on a specific in the way the loan is repaid. In every other aspect, an installment loan is the same as a payday loan. The only difference is that instead of a single lump sum re-payment, a bad credit installment loan is repaid through regular payments known as installments.

  • Personal loans

    Personal loans are loans that are granted to cover expenses connected to your personal life such as medical bills or family vacation. You might also take a personal loan for paying yours or your children’s education. Those loans can be either secured or unsecured. You are also able to secure them with a guarantor.

  • Title Loans

    Title loans are bad credit type loans where you can use your car or any other vehicle as collateral on your loan. The benefit is that you can keep driving your car whilst paying down debt.

    Payday Loan Consolidation

  • If you get too deep in trouble you may require payday loan consolidation to merge your debts.