Payday Loans No Credit Check | No Credit Loans

What Are No Credit Check Loans?

No credit check loans are cash loans with high interest that should be paid back by your next payday. Only a predatory lender would make such a loan. Most lender perform a soft credit check.

No credit check loans is cash sent into a customers bank account through a direct lender and not looking at the borrowers FICO credit score

no credit check loan (soft check only) can be used by those who have emergency expenses that need to be paid off immediately

What is a soft credit check?

A soft credit check is where the lender looks at your address and income level to determine if you are creditworthy and not a risk

What is a hard credit check?

A hard credit check is performed by banks and other major lending institutions to see if you are a credit risk before they decide to lend you money.

Can I get Instant Approval?

Submission to the lenders is instant but approval you will have to wait. Approval is possible the same day if you apply before midday but not guaranteed. As a rule you should at least wait until the next business day.

Too many hard credit checks can lower your credit score

If a lot of checks are made on you in a short amount of time this can be detrimental to you if you want a loan. What this signals to the lenders is that you are short of cash. It signals that you are possibly accruing too much debt in a short amount of time. You should try and avoid making too many requests if you want a loan.

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What are the benefits of no credit check loans?

  1. You can get money fast. In fact you can get funds as soon as the same day
  2. The process is very easy and can be completed online
  3. The loan is paid into your checking account
  4. The urgent expense is taking care of

What are the disadvantages?

  1. High interest payments
  2. Roll-over fees if you do not pay back in time
  3. You could already be in debt and it makes things worse
  4. Too many requests can harm your credit score

The reality of no credit check loans

There are no direct lenders giving same day loans that will perform a no credit check on the borrower.  The soft credit check performed will include Identity verification, eligibility to repay the loan and your previous repayment history.

Pro tip for getting a loan

By repaying your first loan you stand a lot better chance of getting more loans in the future.

How hard credit checks can reduce your credit score

When major lenders perform a credit check on you they are looking at your ability to repay the loan. In short they will check your credit history. This will determine whether you will get a loan or not and how much of a risk you pose to the bank.

If you go online and hit every lending institution the lenders will see this as they all use the same credit agencies. The more you apply the less chance you will have of getting a loan as the lenders will get these signals. You should think about which lender you want to borrow from and space out requests over time. This will lower your chance of looking like a credit risk.

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Bad credit score and no credit check

If you have bad credit then you still should apply. The high interest rates changed compensate for the risk you could pose to the direct lender.

What are the requirements?

Feature Use
1. A valid national identity To prove that you are an American seeking our services.
2. An active checking account This is where the money from your lender will be deposited and where your loan repayment will be deducted.
3. Proof of income Your lender will want to understand how you will repay your loan and your ability to manage the repayment schedules.


How is our company different?


Usually, short-term loans have high-interest rates. As a direct connection, our company can often offer competitively lower rates without any hidden fees. The lender will discuss the costs of the loan upon application, we assure you that there are no hidden charges or any additional fees by the end of the repayment period.

As our valued customer, we will provide a personalized information chart about your loan. You could log in your personal profile anytime to check the loan balance and recent payments and transactions. This would give you control over the loan. If you have questions, you could always contact us via email or telephone.

Our fast and easy application process is followed by an instant decision on whether to lend the loan to the customer or not.

All you have to do is to send your email, phone number, proof of income and employment, and a bank account to get the funds.

Our online application only takes several minutes to complete and we will transfer the loan funds within the day. This depends also on the banking procedures of the bank that the customer works with.

Are the no credit loan lenders legitimate?

They are legitimate in one way or another, the downfall here is the interest rates. You need to be able to understand what APR is, the repayment period and the cost of rolling over the loan.

When you are applying look for the small print on the about page or in the footer of the website.

Do you need employment verification?

Same day Loan no employment, no credit checkYou will need employment verification, as the issuer will find it difficult to justify giving a loan to someone without means to repay it.

Do you do other no credit check loans?

On our website, you can apply for title loans, using the equity in your car as collateral, if you need to pay back of the medium term you can use installment loans with monthly payments rather than weekly. You can also see signature loans that use your signature as collateral.

How do you help with no credit loans

Our first priority is helping our clients to get access to the most advantageous deals. These loans will be available within a very short time. Therefore, they are very suitable for emergency situations.

We understand that finding yourself in an unexpected financial situation where you might have an urgent need for funds and it really is not that uncommon. This is why our company keeps the application process, formalities very simple and straightforward, thus minimizing the time needed to apply. Our company also specializes in providing loans to cater to, available especially for those borrowers, who have a bad credit history.

What happens if I over borrow?

Some people become addicted to taking out loans and get into the debt trap. If you are one of these people all is not lost, we also have a payday loan consolidation program that can help you merge your debts and manage the payments.


The term “no credit check payday loan” can be a little confusing. Although most lenders don’t perform a “hard credit check” with the traditional big 3 credit bureaus (TransUnion, Equifax, and Experian), most lenders will perform a “soft check” and query various consumer databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your personal loan history.

Unlike a “hard check” with a traditional credit bureau, “soft checks” are visible only to you and won’t lower your credit score. Therefore, a “no credit check payday loan” means that the lender does not check your credit with the big 3 traditional bureaus.