5 Best Payday Loans No Credit Check – Guaranteed and Instant Decision in 2022
Best Payday Loans No Credit Check – Quick Overview
- Viva Payday Loans – Best Payday Loans Overall No Credit Check
- Green Dollar Loans – Best For Online Payday Loans With No Credit History
- Big Buck Loans – Best for No Credit Check Loans
- Credit clock – ideal for fast loans and same day decision
- Money Lender Squad – ideal for loans without a credit check with a guaranteed decision
General Eligibility Requirements for Payday Loans
If you answered yes to each of the statements below, you can apply for a payday loan online today.
- You must be 18 years or older
- Be a US citizen or have permanent residency
- Have a minimum income of $80
- Have your own bank account
- Have a valid ID
Payday loans without a credit check
1. Viva Payday Loans – Best Payday Loans No Credit Check
The number one choice for the best online payday loans with no credit check broker is Viva Payday Loans. Viva Payday Loans is a well-designed and easy-to-use website where you can apply not only for small payday loans online without credit check, but also for personal loans.
- Repayment period of 2 to 24 months
- Fast approval times
- Cash payments within the hour
- You could be charged up to 35.99% interest (rates start at 5.99%)
2. Green Dollar Loans – Best for Online Payday Loans with No Credit History Required
Even if your credit rating is bad, Green Dollar Loans will have a payday loan for you. Your income to expense ratio is the main thing that will be considered in your application, so be honest with all of your information. As long as you earn at least $1,000 per month, you can apply for a payday loan between $100 and $5,000 with an interest rate no higher than 35.99%.
- Easy to repay loan terms
- Borrow any amount up to $5,000
- Connects you to multiple lenders
- Not available in all states
3. Big Buck Loans – Best for No Credit Check Loans
If anyone can help you, it’s Big Bucks Loans. No hassle, no fuss, you can apply for a no credit check payday loan up to $5,000 on Big Buck Loans. You will need an income of $1,000 or more and be at least 18 years old to apply. You will receive an interest rate of 5.99% to 35.99% and a repayment period of up to 24 months.
- No application fees
- The application only needs to be completed once
- Quick to apply
- Interest increases as you need time to pay off the loan
4. Credit clock – ideal for quick loans and same day decision
Credit Clock connects borrowers to some of the most reputable lenders in the United States. This site will connect you with lenders who can provide you with no credit check loans between $100 and $5,000. Interest rates vary from lender to lender; however, Credit Clock will not match you with a lender who charges you more than 35.99% interest.
- Free to use
- Fast payments
- Simplified online application
- Approval is not guaranteed
5. Money Lender Squad – best for no credit check loans and guaranteed decision
Money Lender Squad is a reputable loan finder website that takes all inquiries seriously. It’s one of the easiest websites to use and lets you choose between payday loans no credit check from $100 to $5,000 and how long you want to pay it back (maximum of 24 months). Plus, you can expect to receive an interest rate of up to 35.99%.
- Simple and straightforward application
- Loans up to $5,000
- Access to many reputable lenders with one app
- Interest rates vary by lender
What are no credit check payday loans and how do they work?
Online same day payday loans without a credit check are small loans ranging from $100 to $5,000. Generally, the application process is very simple and easy to understand. Plus, it can be done online, so there’s no need to wait in long lines or be stuck on hold trying to speak to a representative.
How were the best no credit check payday loan providers chosen?
The following factors were taken into consideration:
• What interest rates will you be charged?
The most important thing we consider is the amount of interest that will be added to your loan. We want you to get the best deal possible after all!
• How easy is the application process?
The application process should be simple and quick. No one wants to spend years filling out forms only to find they’ve been declined.
• How soon will you receive your money?
A quick payment term is crucial when you are in urgent need of funds. So how quickly companies pay you is a critical factor.
• What factors do they use to consider granting you credit?
This guide will not lead you to a provider who will only consider your credit history to decide whether or not you are worthy of a loan. We all make mistakes, after all you should have the opportunity to rebuild your credit.
If you are looking for a well-monitored and regulated place to acquire a payday loan, look no further than the five options that have been listed above. Viva Payday Loans is a great all-around provider that can not only get you the financial help you need, but it can do it in an easy and affordable way.
1. Can you get a payday loan without a credit check?
When you apply for a loan, you will be required to consent to a credit check. But that doesn’t mean the lender will only consider your credit history when deciding whether or not to give you a loan. They will consider other factors such as how much you can afford to pay, your monthly expenses, how much you have left each month after paying your bills, etc.
2. How much do payday loans cost?
There is no definite payday loan cost as the cost depends on many factors. These factors include: how much you borrow, who you borrowed from, and how long you will pay it back.
3. Is a payday loan good for my credit?
Payday loans without a credit check are a great way for people with bad credit to rebuild their credit rating. If you pay your installments on time and in full, you will receive positive points on your credit score. However, if you fail to make installments or pay one late, it can hurt your credit.
Disclaimer – The above content is non-editorial, and Economic Times hereby disclaims all warranties, express or implied, in connection therewith, and does not warrant, warrant or necessarily endorse any contents. The loan websites reviewed are loan matching services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.