Payday Loans with No Hard Credit Check

So Can I Get a Payday Loan With No Credit Check?

It is possible to get payday loans with no hard credit check. If your credit has seen better days and your financial history has got you turned down at banks and credit unions, we may be able to help you get approved for a $5000 loan with no FICO credit check.


What is a Hard Credit Check?

A hard credit check is when and potential lender inquires to one or multiple of the big three credit bureaus regarding your credit history. The lender will analyze your full credit report in an attempt to make an educated decision with regards to your ability and history in financial transactions. The higher your credit score the more likely you are to get approved for financing. The credit checks are very common when you apply for a home loan, auto loan, or a credit card.

Trusted lenders in our network may check an industry specific report that will not affect your FICO score and will not show up on your credit with the big 3 credit bureaus. If you need a payday loan and have bad credit, our lenders are willing to accept your application and may make your a loan offer.

What Types of Loans Do Your Lenders Offer?

We have many direct lenders in our network and many of them are willing to offer short term loans. Some lenders offer payday loans with no typical credit check, and other offer installment loans. This means you have multiple months to repay the balance of the loan plus interest.

Each payment is the same amount and consists of principal and interest. The payments are more heavily weighted with interest at the beginning of the payments and more heavily weighted with principal at the end of the payments.

What Will I Need to Qualify for the Loan?

If you want to get a payday loan with no hard credit check, then there are a few things you will likely need in order to qualify.

  1. Steady Monthly Income - You will need a strong and steady income to qualify without putting up any collateral.
  2. Residential Address - The lender needs to know where you live in order to contact you and send you important mail.
  3. Active Checking Account - Online loans require an active checking account to deliver the borrowed funds and also to receive their payments.
  4. Must Be 18 Years Old - No lender will loan you money if you are not 18 years old.

Even if you do not qualify for the full amount, you may still receive a loan offer for a smaller amount. If you approve of the loan offer then just accept the offer. Be sure to carefully read all documentation associated with the financing. Each lender has their own terms and conditions.

How Much is the Interest Rate?

You can expect to pay a higher rate of interest on payday loans than you would on a home loan or auto loan. This is because the personal loan is not backed by collateral. The lenders is loaning money to you based on your promise to repay the amount financed plus the interest. 

Each lender in our network has a different business model and they all charge different rates of interest. Since is not a lender, we are not able to quote you interest rates. If you complete our application we will attempt to match you with a direct lender. If we are successful, you will receive an installment loan offer. This offer will have all disclosures required, including interest rates, loan duration, and payment amounts. Please read everything carefully before accepting a loan offer.

What If I Don't Like the Loan Offer?

If you receive a cash advance offer that you do not like, simply decline the offer. It's that easy. There are no obligations by completing an application. Only if you receive an acceptable loan offer should you accept it. If you are in need of a few thousand dollars, we may be able to help you get approved quickly with very little hassle.

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