Get Your No Credit Check Payday Loan Today!

Credit can be a deciding factor in many financial decisions. Whether you’re buying a house or refinancing the car, a credit score can determine both if you get the loan and the rate at which it’ll have to pay it back. This factor worries borrowers, many think that because of their credit history they won’t be approved for a quick cash loan. That’s exactly where no credit check payday loans come in!


With no credit check payday loans, credit history doesn’t matter. Lenders don’t use credit as a deciding factor in their decision. Cover bills and don’t worry about the past with no credit check payday loans!


How To Get A No Credit Check Payday Loan In 4 Easy Steps

Getting a no credit check payday loan is incredibly fast and reliable, borrowers can go in person or apply online from the solace of their own homes. All you have to do is follow a few short steps:

  • Gather all required documents and identifications

While no credit check payday loans are accessible to many people, there are requirements. First, anyone needs to be at least 18 years of age and an inhabitant in the state they want an advance. Second, they’ll need an active checking account and proof of income. The lender will want to know how they’ll be repaid. You will also need your social security card and a physical address, again in the state in which you want to borrow. Some financiers may also ask for an email address or a phone number for contact information.

  • Find a payday loan lender

Once you’ve gathered all of the necessary paperwork, move forward and find a payday loan center to work with. While there are many payday centers in person, applications can always be received online! Some websites even allow borrowers to view the progress of their application. Many banks offer no credit check payday loans online, you can apply in just a few minutes and with your banking information the lender can deposit the funds directly into your account. 

  • Calculate your loan and apply

Most states have similar payday lending limits, usually maxing out around $500 over a 31 day period. Find how much is needed and how much you may qualify for using a payday loan calculator to find out how much will have to be repaid once the loan has matured. If the full $500 isn’t required, don’t apply for it. Most states don’t require a loan minimum, allowing anyone to get the loan that best fits them. Once you’ve worked out how much the loan could potentially cost and how much you need, apply! Applications are usually processed by banks quickly and once it’s funded the process is just about finished!

  •  Receive the deposit and use your funds

Once the funds have been transferred you’re free to pay off whatever pressing debts there were. No credit check payday loans are usually funded quickly and always securely, allowing you to cover just about any unexpected expenses on your own terms!


No Credit Check Loans vs. Installment Loans

While no credit check loans are great for getting cash quickly, they don’t fix or rebuild credit. No credit check loans don’t change credit in any way, allowing anyone to cover urgent bills but not necessarily providing a tool to rebuild. In instances where many may need more cash over a longer period of time, an installment loan may be a good choice. If you have no credit or don’t want your credit to be a factor, a no credit check loan is certainly the right choice. Let’s take Iowa for example:


Legal Status MAX Loan Amount Loan Terms MAX APR Credit Usage
No credit check payday loans Legal  $500 No minimum, maximum of 31 days 337% No credit required, credit unchanged
Installment Loans Legal $5,000 Minimum of 60 days, maximum of 180 298% Credit can be changed 


While installment loans can give larger dollar amounts over longer periods of time, they require a credit check that no credit check payday loans don’t. No credit check payday loans are designed for rapid cash moments, surprise bills that could leave you breaking the bank. You don’t need a credit check or installments, get your no credit check payday loan today!


Frequently Asked Questions

If I have bad credit can I still get a no credit check payday loan?

Yes you can! No credit check payday loans work exactly as they sound, banks won’t use credit history as a deciding factor.


Without any credit, how much can I get from a payday loan?

Depending on a variety of factors such as your proof of income and ability to repay the loan, lenders may vary in how much they’ll give. Most states allow lenders to loan a maximum of $500 over a period of 31 days. Luckily if you need to pay a bill urgently, most bankers can deposit the funds directly into your active bank account!