5 best payday loans with no credit check – guaranteed and instant decision in 2022

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No credit check payday loan can be a lifesaver for anyone who cannot cover the cost of something important. Whether you need to pay bills or want to go on a vacation, payday loans with no credit check are what you need. Do you know if there are payday loans with no credit check in your area? Here’s what we found when looking for the top choices!

Best payday loans no credit check – quick overview

  • Viva Payday Loans – overall best payday loans with no credit check
  • Green Dollar Loans – best for payday loans online without credit history
  • Big Buck Loans – best for loans with no credit check
  • Credit Clock – best for quick loans and same day decision
  • Money Lender Squad – best for no credit check loans with guaranteed decision

General Eligibility Requirements For Payday Loans

If you say yes to each of the below, you can request a payday loan online today.

  • You need to be 18 years old and above
  • 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 with no credit check

1. Viva Payday Loans – overall best payday loans with no credit check

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The number one pick for the best overall online payday loans no credit check broker is Viva Payday Loans. Viva Payday Loans is a well-designed, easy-to-use website where you can apply not only for small payday loans online with no credit check, but personal loans as well.

Pros:

  • Repayment period of two to 24 months
  • Quick approval times
  • Cash payouts within an hour

Cons:

  • You could be charged up to 35.99% interest (Rates start at 5.99%)

2. Green Dollar Loans – best for payday loans online without credit history required

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Even if your credit score is poor, Green Dollar Loans will have a payday loan for you. Your income vs. expenses ratio is the main thing that will be considered on your application, so be truthful with all your information. As long as you earn at least $1000 per month, you may apply for a payday loan between $100 and $5000 with an interest rate of no more than 35.99%.

Pros:

  • Easy to repay loan conditions
  • Borrow any amount up to $5000
  • Connects you to multiple lenders

Cons:

  • Not available in all states

3. Big Buck Loans – best for loans with no credit check

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If anyone can assist you, it’s Big Bucks Loans. No hassle, no fuss, you can apply for a payday loan with no credit check of up to $5000 on Big Buck Loans. You will need an income of $1000 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.

Pros:

  • No application fees
  • Application only needs to be completed once
  • Quick to apply

Cons:

  • Interest increases the longer you need to repay the loan

4. Credit Clock – best for quick loans and same day decision

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Credit Clock connects borrowers to some of the most well-reputed lenders in the USA. This site will connect you with lenders who can provide you with no credit check loans between $100 and $5000. Interest rates vary between lenders; however, Credit Clock will not match you with a lender who will charge you more than 35.99% interest.

Pros:

  • Free to use
  • Quick payments
  • Simple online application

Cons:

  • Approval isn’t guaranteed

5. Money Lender Squad – best for no credit check loans and guaranteed decision

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Money Lender Squad is a well-reputed loan finder website that takes all applications seriously. They are one of the easiest-to-use websites and allow you to choose between payday loans with no credit check of $100 to $5000 and how long you would like to repay it (maximum of 24 months). In addition, you can expect to receive an interest rate of up to 35.99%.

Pros:

  • Simple, straight-forward application
  • Loans up to $5000
  • Access to numerous reputable lenders with one application

Cons:

  • Interest rates vary by lender

What are payday loans with no credit check & how do they work?

Payday loans online on same day with no credit check are small loans varying between $100 and $5000. Typically, the process of applying is very simple and easy to understand. In addition, it can be done online, so there is no need to wait in long lines or be stuck on hold trying to speak to a representative.

How were the best payday loan providers with no credit check chosen?

Here are the factors that were taken into into consideration:

• What interest rates you will be charged?

The most important thing we consider is how much interest will be added to your loan. We want you to get the best possible deal after all!

• How easy is the application process?

The application process needs to be quick and simple. Nobody wants to spend ages filling out forms only to find they have been declined.

• How quickly you will receive your money?

A quick payout time is crucial when you need funds urgently, so how quickly the companies pay you is a vital factor.

• What factors do they use to consider giving you credit?

This guide will not lead you to a provider who will only consider your credit history when deciding if you deserve a loan or not. We all make mistakes, after all, you should have the chance to rebuild your credit.

Conclusion

If you are looking for a well-checked, regulated place to acquire a payday loan, look no further than the five options that have been listed above. Viva Payday Loans is an excellent all-around provider that can not only provide you with the financial aid you need, but they can do so in a hassle-free, affordable way.

FAQ’s

1. Can you get a payday loan without a credit check?

When you apply for any loan, you will be required to consent to a credit check. But, this doesn’t mean that 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, what your monthly expenses are, how much you have left each month after your bills have been paid etc.


2. How much do payday loans cost?


There is no definitive payday loan cost, as the cost depends on many factors. These factors include: how much you are borrowing, who you have borrowed from and how long you’ll be repaying it.

3. Is a payday loan good for my credit?

Payday loans with no credit check is an excellent way for individuals with bad credit to rebuild their credit rating. If you pay your installments on time and in full, you’ll receive positive points on your credit score. However, if you default on any installments or pay one late, it may harm your credit.

Disclaimer – The above content is non-editorial, and Economic Times hereby disclaims any and all warranties, expressed or implied, relating to it, and does not guarantee, vouch for or necessarily endorse any of the content. The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only.



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