8 Best Payday Loans No Credit Check: Get no credit check loans online with same day approval

Payday loans and credit checks are popular forms of financing. This type of financing remains both fast and accessible, although it is not always possible to find it as the majority of lenders in the US follow regulatory guidelines and conduct credit checks. However, it’s important to remember that low FICO scores and a bad credit history don’t always preclude you from getting a loan. This article will discuss the best no credit check payday loans in detail, going through a selection of reputable loan brokers before highlighting how to apply for the best payday loan for you.

The 8 Best Payday Loans With No Credit Check – Quick Overview

  1. Viva payday loan – Best overall for no credit check payday loans
  2. Low credit financing – Best for payday loans with no guaranteed same day credit check
  3. Green Dollar Loan – Best for quick payday loans
  4. Big Buck loan – Instant loan without credit check
  5. credit clock – Best for same day loans with no credit history
  6. Money Lender Team – Best for borrowing money online without credit check
  7. heart paydays – Best for installment loans no credit check
  8. Very happy loans – Best for credit alternatives without a credit check

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

1. Viva Payday Loan – Best broker overall

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Viva Payday Loan is one of the top picks for people who are looking for no credit check payday loans. Although this provider cannot guarantee these loans due to US regulation, they can help provide up to $5,000 in short-term financing with APRs starting at just 5.99%.

Another attractive factor of Viva Payday Loans service is that the 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


  • Credit is not available in New York

2. Low Credit Finance – Best for loans with bad credit

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Low Credit Finance is another popular payday loan provider that accepts all types of credit and offers same-day decisions. what’s more Funding can be sent in as little as 60 minutes if an application is accepted. There is no paperwork required to apply to Low Credit Finance and no hidden fees are charged during the process.


  • Large network of lenders
  • No registration fees
  • decision on the same day


  • Online payday loans without a credit check may not be possible

3. Green Dollar Loans – Best for quick payday loans

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Green Dollar Loans is another option for people who want to get small payday loans online with no credit check. Although lenders may conduct credit checks under US regulations, this provider can help you find what you’re looking for as they offer quick loans with APRs starting at 5.99%.

Grants are available from $100 to $5,000 and all types of credit can be applied for.


  • All credit types are supported
  • APR starts at 5.99%
  • Fast application process


  • Loans are not guaranteed

4. Big Buck Loans – Instant loans with 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. This provider also has several customer testimonials highlighting their positive experience in acquiring financing.


  • Several customer testimonials
  • All FICO results are welcome
  • Wide range of funding


  • The final lender makes the decision

Disclaimer: While Big Buck Loans does not verify your creditworthiness, your creditworthiness may be verified by one or more of their credit partners and their third-party credit bureaus at the time your request is submitted or at a later date. Further information can be found in the terms and conditions.

5. Credit Clock – Best for same day loans

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


  • Fast applications
  • Repayment period up to 24 months
  • decisions on the same day


  • Not available in certain US states

What Are Payday Loans With No Credit Check And How Do They Work?

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

Although no credit check payday loans aren’t always available due to current legislation in the US, it’s still fairly easy to apply for short-term financing, regardless of credit history or FICO score. As long as you’re over 18, a US resident, with a checking account and a steady monthly income, you can apply for these loans — with some providers even offering same-day money transfers.

How to Apply for Payday Loans Without 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 (2-24 months)
  • Step 2: Fill out the application form – Fill out the quick application form.
  • Step 3: Wait for a decision – A lender will make a decision or offer an alternative funding source within minutes.
  • Step 4: Get your credit – Since same day payday loans online without a credit check may not be possible due to US regulations, the lender may conduct a credit check. If everything is in order, the promotion can take place on the same day.

Payday loans without credit check features and factors to consider

Below are some criteria to consider when looking for no credit check payday loans:

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

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

Built-in Loan Calculator: When looking for the best no credit check payday loans, many platforms provide an online loan calculator that details what the repayments can be for a prospective applicant.

How We Selected The Best Payday Loans No Credit Check Providers?

In our review of no credit check online payday loans, we used the following criteria:

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


In summary, this article has discussed no credit check payday loans in detail and highlighted what they are and whether they are viable in today’s market.

Borrowers looking to acquire a quick payday loan can do so through a partnership with Viva Payday Loans. This provider works with a network of world-class lenders, ensuring a streamlined application process for everyone.

frequently asked Questions

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

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

Are 1 Hour Payday Loans No Credit Check Possible?

These types of loans may not be possible in the US due to regulatory guidelines, but a bad credit history isn’t always a barrier to lending.

Can I get payday loans in the US without a credit check?

Lenders might require a credit check before making a decision, as following guidelines to that effect is mandatory in the US, but people with bad credit or no credit history can still get a loan.

Disclaimer: The verified credit websites are credit matching services, not direct lenders, so they are not directly involved in accepting your credit request. Applying for a loan through the websites does not guarantee acceptance of a loan. This article does not contain financial advice. Please consult a financial advisor if you require financial assistance. Loans are only available to US citizens.

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