Payday Loans Online: No Credit Check, Direct Lender Options Listed

You can find a direct lender willing to give you a payday loan without a hard credit check both online and in-store. You’ll want to make sure you understand the full terms of the loan, and it’s wise to shop around for the best rate before you commit. Below, list the payday lenders that don’t require a credit check, plus those that approve borrowers with bad credit.

Can You Get a Payday Loan Online Without a Credit Check? Even With Bad Credit?

You can get a payday loan online from a direct lender without a traditional credit check — even if you have you have bad credit. Keep in mind, payday loans without a credit check will typically be for a lesser amount than a traditional loan or one accompanied by a credit check. Additionally, direct lenders will generally want to see a pay stub, a bank statement, and a valid ID. Other necessary documentation will vary by lender.

If you’re concerned about preserving your credit score, some credit checks don’t affect your score. A direct lender may run a “soft” credit check to look at your payment history and any defaulted loans. This type of credit check won’t hurt your credit score, and a poor activity history won’t necessarily prevent you from getting a loan.

It’s important to understand that virtually all direct lenders will scrutinize your credit history and current financial situation to some degree. But don’t let bad or no credit keep you from applying; many lenders will still offer payday loans to borrowers with bad or no credit.

A Word of Caution About Payday Loans

A payday loan is a short-term loan that borrows against your paycheck, and you are typically required to repay it when you receive your next paycheck. Before you take out a payday loan, you should know that payday loans have the potential to be very costly. The annual percentage rate (APR) for some payday loans is above 400%. If you don’t pay the loan in full on time, you can get caught in a debt cycle where steep interest charges and high fees make it difficult for you to pay back the amount you owe, and more interest accrues. If you choose to pursue a payday loan, have a plan in place to repay it as quickly as possible, such as picking up a side gig.

Payday Loans Online: No Credit Check, Direct Lender Options

Direct Lenders with No Credit Check

While it’s near-impossible to find lenders that run no credit checks or financial background checks at all, there are a few that don’t require credit checks, according to our previous research. The following lenders focus on employment verification or proof of income rather than your credit score:

Check City

  • Loan amounts: Typically up to $500; some states have higher maximums
  • Application requirements: Photo ID, checking account, and proof of income
  • Typical APR: 150% to 400% for 30-day loans; 400% to 600% or more for 14-day loans
  • Find out more or apply

Money Mart

Note: Money Mart currently only offers online loans for residents of California, Florida, Hawaii, Kansas, and Louisiana.

  • Loan amounts: Typically up to $500; varies by state
  • Application requirements: Photo ID, checking account, proof of income, email address, and active phone number
  • Typical APR: 200% to 300% for 30-day loans; 400% to 700% or more for 14-day loans
  • Find out more or apply

You can find out more about both of these lenders in our article on one-hour payday loans.

Direct Lenders That Accept Bad Credit

Most direct lenders do check your credit but are willing to accept borrowers with bad credit, and several of those listed below have no minimum credit score requirement. The lenders below provide a wider range of options to those with poor or minimal credit history; we’ve ordered the list starting with the best overall options.

ACE Cash Express

  • Loan amounts: Vary by state
  • Application requirements: Photo ID, checking and savings accounts, proof of income, Social Security number; minimum credit requirement varies by applicant
  • Typical APR: Around 400%
  • Find out more or apply (paid partner link)

Check Into Cash

  • Loan amounts: Up to $1,000
  • Application requirements: Photo ID, checking account and routing numbers, proof of income, Social Security number; no minimum credit requirement
  • Typical APR: Around 400%
  • Find out more or apply (paid partner link)

Speedy Cash

  • Loan amounts: Typically up to $500; varies by state
  • Application requirements: Photo ID, checking account, proof of income, valid phone number; no minimum credit requirement
  • Typical APR: 200% to 300% for 30-day loans; 400% to 500% for 14-day loans
  • Find out more or apply

Check ‘N Go

  • Loan amounts: Typically up to $500; varies by state
  • Application requirements: Photo ID, checking account, proof of income; no minimum credit requirement
  • Typical APR: 400% or more
  • Find out more or apply

Advance America

  • Loan amounts: Vary by state
  • Application requirements: Photo ID, checking account, proof of income, Social Security number, valid email address; no minimum credit requirement
  • Typical APR: May charge a flat fee of $15 per $100 borrowed, instead of interest
  • Find out more or apply

Same Day Loans 365

  • Loan amounts: Typically up to $1,000; varies by state
  • Application requirements: Photo ID, checking account, proof of income, valid address; no minimum credit requirement
  • Typical APR: 450% to 800% or more
  • Find out more or apply

LendNation

Note: LendNation online payday loans are only available in Idaho, Illinois, Kansas, Kentucky, Louisiana, Missouri, Nebraska, Nevada, New Mexico, Oklahoma, Texas, Utah, and Wisconsin.

  • Loan amounts: Typically up to $500; varies by state
  • Application requirements: Photo ID, checking account, proof of income, valid email address and phone number; no minimum credit requirement
  • Typical APR: 350% to 450%
  • Find out more or apply

Loan-Finding Services

Another option for getting a payday loan with bad credit is to use an online aggregator site. These companies can connect you with a network of lenders, some of whom will be willing to offer payday loans without a credit check, or willing to lend to borrowers with bad credit. One drawback may be that these services can flood you with far more contacts than you need or want. Exact terms will vary based on the lender(s) you’re connected with.

More Information

For more payday loan options, see our article on faxless payday loans. Or, for information about other types of borrowing, see our article on the different types of loans.

For more about the lending process, see our article on why loan applications get denied and places to try after you’ve been denied.

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