8 Best Payday Loans No Credit Check: Get Loans No Credit Check Online With Same Day Approval

Payday loans and no credit checks are popular forms of financing. This type of financing remains both quick and accessible, although it is not always possible to find them because the majority of lenders in the United States follow regulatory guidelines and carry out credit checks. But what’s important to consider is that low FICO scores and a bad credit history don’t always prevent you from getting a loan. This article covers the best payday loans no credit check in detail, going through a selection of reputable loan brokers before outlining how to apply for the best payday loan for you.

8 Best Payday Loans No Credit Check – Quick Overview

  1. Viva Payday Loans – Overall best for payday loans no credit check
  2. Low Credit Financing – Best for Payday Loans No Credit Check Guaranteed Same Day
  3. Green Dollar Loans – Best for Quick Payday Loans
  4. Big Buck Loans – Instant loans without credit check
  5. Credit Clock – Ideal for same day loans with no credit history
  6. Money Lender Squad – Ideal for borrowing money online without a credit check
  7. Heart Paydays – Ideal for installment loans without a credit check
  8. Very happy loans – Best for No Credit Check Loan Alternatives

Best Payday Loans No Credit Check – 2022 (Top 5)

1. Viva Payday Loans – Best Broker Overall

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Viva Payday Loans is one of the best choices for people looking for payday loans with no credit check. While this provider cannot guarantee these loans due to US regulations, they can help facilitate short-term financing up to $5,000 – with APRs starting at just 5.99%.

Another attractive factor of the Viva Payday Loans service is that repayment terms range from 3 to 24 months – with no upfront fees or hidden costs.


  • Flexible repayment
  • No hidden fees
  • Offers loans up to $5,000

The inconvenients:

  • Loans are not available in New York

2. Low Credit Financing – Best for Bad Credit Loans

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Low Credit Finance is another popular payday loan provider, accepting all types of credit and offering same-day decisions. What else? Funding can be sent in just 60 minutes if an application is successful. No paperwork is required to apply with Low Credit Finance, and no hidden fees are charged during the process.


  • Extensive network of lenders
  • No application fees
  • Same day decision

The inconvenients:

  • Online Payday Loans No Credit Check Might Not Be Possible

3. Green Dollar Loans – Best for Quick Payday Loans

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Green dollar loans are another go-to option for people looking to acquire small payday loans online with no credit check. Although lenders may perform credit checks in accordance with US regulations, this provider can help you find what you’re looking for, as they offer fast loans with APRs starting at 5.99%.

Financing between $100 and $5,000 is available, all types of credit may apply.


  • All credit types supported
  • APRs start at 5.99%
  • Fast application process

The inconvenients:

  • Loans are unsecured

4. Big Buck Loans – Instant Loans No Credit Check

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Big Buck Loans is a popular payday loan provider because it supports all FICO scores. Successful applicants can have funds transferred in as little as 15 minutes – with loans of up to $5,000 available. This provider also features several customer testimonials, highlighting their positive experience when obtaining financing.


  • Several customer testimonials
  • All FICO scores are welcome
  • Wide range of financing

The inconvenients:

  • The decision is up to the final lender

Disclaimer: Although Big Buck Loans does not check your credit, your credit may be checked by one or more of their lending partners and third party credit bureaus when you submit your application or at a later date. Further information can be found in the terms and conditions.

5. Credit Clock – Best for Same Day Loan

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The final participant in this discussion is Credit Clock. This provider connects borrowers and lenders through a convenient online portal, offering an application process that only takes two minutes. Credit Clock can facilitate up to $5,000 in financing and offers repayment periods of up to 24 months – with the possibility of same day decisions.


  • Quick requests
  • Repayment period up to 24 months
  • Same day decisions

The inconvenients:

  • Not available in some US states

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

As the name suggests, fast payday loans with no credit check are an affordable form of financing ideal for people who need a quick payment. These loans can be applied for online using the providers listed above, with an all-digital application process that can take as little as two minutes.

Although payday loans without credit checks are not always possible in the United States due to current legislation, it is still quite easy to apply for short-term financing, regardless of credit history or FICO score. . As long as you’re over 18, a US resident, have a checking account, and can show a steady monthly income, these loans can be applied for – with some providers even offering same-day money transfers.

How to Apply for a Payday Loan No Credit Check in Quick Steps with Viva Payday Loans

  • Step 1: Choose your loan amount – Decide how much you want to borrow ($100 to $5,000) and choose your repayment period (2 to 24 months)
  • Step 2: Complete the application form – Complete the quick request form.
  • Step 3: Wait for a decision – A lender will provide a decision within minutes or suggest an alternative source of financing.
  • Step 4: Get your loan – Since same day online payday loans without credit checks may not be possible due to US regulations, the lender may perform a credit check. If all goes well, financing can be provided the same day.

Payday loans without credit check features and factors to consider

Here are some criteria to keep in mind when looking for payday loans without a credit check:

Flexible repayments: Many payday loan providers offer flexible repayment schedules, ranging from 2 to 24 months.

Quick Decisions: All of the payday loan brokers on our list offer quick decisions in as little as two minutes.

Built-in loan calculator: When searching for the best payday loans no credit check, many platforms offer an online loan calculator detailing possible repayments for a potential applicant.

How did we choose the best payday loans without credit check providers?

We used the following criteria in our review of online payday loans no credit check:

  • All FICO scores are welcome
  • Different repayment terms
  • Loan calculator on the site
  • No upfront/hidden fees


In summary, this article has discussed payday loans no credit check in detail, highlighting what they are and if they are possible in today’s market.

Borrowers looking to acquire a payday loan fast can do so by partnering with Viva Payday Loans. This provider works with a network of top quality lenders, ensuring a streamlined application process for everyone.


How do I apply for small payday loans online without a credit check?

Borrowers looking for payday loans no credit check can partner with any of the providers listed in this article – although they cannot be guaranteed due to current US regulations.

Are 1 hour payday loans without a credit check possible?

These types of loans may not be possible in the United States since regulatory guidelines, but a bad credit history isn’t always a barrier to getting a loan.

Can I get payday loans without credit check in the USA?

Lenders might ask for a credit check before making a decision, because in the United States it is mandatory to follow the guidelines, but people with bad credit or no credit history can still get a loan.

Disclaimer: The lending websites reviewed are correspondent lending 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 are only available to US residents.

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