You can find a direct lender willing to give you a payday loan without a hard credit check either online or in-store. Still, you’ll want to make sure you understand the terms of the loan — and it’s wise to shop around for the best rate before you commit. Below, we have the list of payday lenders with credit checks, plus those that approve borrowers with bad credit.
Can You Get a Payday Loan Online Without a Credit Check? Even With Bad Credit?
Yes, 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. 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, either.
Understand, though, that it’s almost impossible to find a direct lender that won’t 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
Before you take out a payday loan, you should know that payday loans can 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, it would be all too easy to get caught in a debt cycle — where steep interest payments and high fees make it difficult for you ever to pay back the amount you owe. If you choose to pursue a payday loan, have a plan in place to pay it back quickly, 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:
You can learn 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. These lenders provide a wider range of options to those with poor or minimal credit history.
- ACE Cash Express
- Advance America
- Check Into Cash (Learn more in our article on same-day bad credit loans.)
- Check ‘n Go (See our article on bad credit loans for more details.)
- Same Day Loans 365
- Speedy Cash
Online aggregator sites 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.
You can get a no credit check payday loan from a direct lender online or in-store. Many experts consider payday loans to be the loan of last resort, though, so make sure you’ve considered all your options first.
Want to learn more about the lending process? See our article on why loan applications get denied and places to try after you’ve been denied.