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Small Payday Loans Online No Credit Check Instant Approval
Immediate minor cash emergencies happen to everyone. It does not matter whether it’s a must-buy prescription, must-pay bill, or must-settle rent. What’s important is that no matter how minor these emergencies are, they can make or break us. The inability to pay for a prescription medication or electricity bill can severely affect your life.
Why Do I Need a Small Payday Loan Online With No Credit Check?
The need for small payday loans is on the rise during these uncertain times of the pandemic. Using our emergency funds in the last couple of years for essential expenses has been challenging. So, if another unforeseen cash need happens to you again, what are your options? How can you help yourself and your loved ones to get by?
You can apply for small payday loans online; no credit check; no faxing is needed with the help of AdvanceSOS. With instant approval, you can get fast cash loans on the same day. All it takes is for you to fill out our easy online application and a few requirements.
What Are Payday Loans With No Credit Check?
Payday loans are small-dollar, short-term cash advance loans that use income as security. You assure your lender that you can repay your loan by the next time you get a paycheck. In exchange, you get payday advance loans of $100 up to $1,000.
No-credit-check loans are loans that do not require traditional hard credit checks. If you’re familiar with loans, you’ll have an idea about hard checks. Banks and credit unions do hard checks with credit bureaus to check creditworthiness. First, the credit bureau produces your credit report and sends it to yous potential lender, Then, the lender determines whether you are trustworthy enough to give a loan to based on your credit history.
These hard inquiries negatively impact your credit score, so you want to do your best to avoid them. Additionally, this process can take days if not weeks, impacting your urgent cash needs. This is why no-credit-check payday loans are the best solution for you.
Payday loans + no-credit-check loan = SPEED. Get the payday cash advances you need without the process of waiting for a hard credit check to conclude.
How Do These No Credit Check Online Payday Loans Work?
1. Submit a Loan Request
Apply for payday loans online and let us know what you need and who you are. On your loan request, you will need to share the following details:
- Loan Amount. On a drop-down menu, choose which of the following amounts best represent how much you need to borrow: $100, $200, $300, $400, $500.
- Due Date. When is your next income paycheck or when can you repay your lender? Ensure that you have the correct date down on this step to avoid delay.
- Zip Code. Where do you live in the US and are you a permanent resident? Remember that we only offer loans in the US, so your zip code should be from the US states.
The loan request form may ask for extra info about your identity, income, and banking details. This step is only to verify everything you submit is true and accurate. Be ready to provide said information as well for faster processing. But once you’re done, all that’s left for you to do is wait for your loan decision.
2. Get a Loan Decision
After a few hours, we will get back to you with the payday loan and guaranteed approval. To view all the details of your loan, click on the offer we have for you on your screen. If you have questions or need clarification for your loan, you can ask them during this step.
3. Sign the Agreement
If you agree to all your lender’s terms for your loan, you’re ready to sign an electronic contract. Signing the agreement starts the release of your loan at once. So be sure you have read the contract from top to bottom before signing. Please review all the information to ensure they are authentic, accurate, and ready to go.
4. Get Your Funding
Within 24 hours, you will have your loan funds in your bank account. Your lender will notify you as well. So rest assured that you’ll know at once as soon as the money is ready for you to use.
5. Repay Your Lender
You will have to repay your lender on the due date you signed up. This step, in default, is an automatic process. You allow your bank to release the funds from your debit card to repay your loan. The only thing you need to ensure is that your account must have enough funds to cover the loan amount plus interest.
How Easy Is It To Get a Payday Loan Without a Credit Check?
For as long as it has been around, many have found lending a stressful task. The amount of time, energy, and effort most loans ask for can be overwhelming. We’ve been working on fixing that. Here at AdvanceSOS, we save time by using technology to offer fast payday loans.
AdvanceSOS Payday Loan Best Features and Advantages
- Low-Interest Rates. Now using our ultra-fast systems, we compare thousands of loans in milliseconds. With this, we can pick out among the many top loans offered for you with the lowest rates possible.
- Bad or No Credit Accepted. With the vastness of our network, we have lenders of all shapes and sizes who serve varied borrowers. So whatever your situation is, we can find a lender who can suit your needs 100%.
- Instant Approval Available. If speed is your top priority, you are in the best hands. We can have your complete loan offer ready for you within minutes, signed in seconds, and released in 1 hour with no credit check.
- No Hard Credit Checks. Not to worry about staining your credit report with a loan inquiry. We don’t do hard checks with credit bureaus.
- No Faxing Documents. We are a modern loan connection service that takes advantage of technology—there is no longer a need for faxing, mailing, and face-to-face contact. Get your online payday loan without ever leaving the comfort of your home.
- Accessibility and Convenience. We are a top-tier connection service provider in Texas, California, Ohio, and Florida. Reach us wherever you are, 24/7, using only the internet.
What You Need to Get a Payday Loan With No Credit Check
Here are the essential things you will need to get a no-credit-check loan today:
- Be of legal age to get a loan and sign contracts. Have an ID to verify you are 18 years old or older.
- Be from the US or permanently living in the US. Have a document to prove where you are from in the US.
- Be a stable income earner. Have a pay stub or the like to show how much you earn.
- Have an active US bank account. Have a bank statement or letter to certify you have an account.
- Have a cell phone number and email address.
Are No Credit Check Online Payday Loans Legitimate?
Yes, no-credit-check loans are legitimate. The common worry with such kinds of payday loans is:
“If there are no checks, how does a lender or lending company know a borrower is trustworthy?” The answer lies in the name itself.
It is true that without hard inquiries with credit bureaus, lenders risk lending to a bad borrower. They would not know the person’s credit history they’re lending money to. How would they know how well you repay your loans if they cannot see your account history?
There are many things lenders choose not to know about you by not doing a hard credit check. But there is one thing they can learn even without it: a stable income. Your lender can check that you have a paycheck coming in to cover your payday loan repayments. Thus, for a small-dollar, short-term payday loan, your income is enough.
Can I Get Payday Loans That Don’t Require Credit Checks?
Yes, we have lenders who offer payday loans without credit checks. So, if you are not confident that your credit history will speak well for you, don’t worry about it. Loan amounts between $100–$1,000 are not based on credit, so lenders will not do hard checks on you. They will not know about your credit score or details of your past loans nothing.
Nonetheless, note that lenders will still do a basic background check to ensure your credibility. They’ll look for a valid ID, check with your employer, and verify your address. All these checks are part of standard procedure in money lending. The difference without the hard credit checks is that your credit score does not have to define you.
Can I Get Same-Day Payday Loans Without Credit Check?
No-credit-check payday loans are one of the most accessible loans in history. They are even called “emergency” loans because of how fast they are. You can get instant approval for payday loans that don’t require a check-in as fast as TODAY.
We understand you have an emergency, so we have a payday loan with the same-day deposit and no credit check. Holidays and weekends may affect the release of your loan funds into your bank account, but you can expect the money to be there by the next business day.
What Are the Pros and Cons of No Credit Check Loans?
Quick Application Process
You can apply for quick cash loans in less than 10 minutes at AdvanceSOS. Say goodbye to unnecessary steps that delay cash releasing and attend to your cash emergency at once. Just follow all our instructions and submit all requirements on time.
Fast Loan Decision
Your online approval only takes a few hours. You get to know the top loan offers our top-tier lenders have for you right away. This takes less time for borrowing and gives you more time to sort out your actual emergency.
Safe and Secure
Never again be baited into lending scams that make you sign shady and abusive contracts. Know that all our lenders are licensed to operate within your state and go through a security check before entering our lending network. With our trust lenders, you can see all the terms you will sign for on your lender’s website with transparency and have an electronic copy of your signed contract for future reference or use.
Good Credit Not Needed
You don’t need a 700+ credit score to get the loan you need. Having no credit score can work as well. With this, we offer countless opportunities for you, including bad credit loan types. So, no matter who you are and what has happened in your financial past, we got you. We have lenders who have your back 24/7.
Updated: Aug 1, 2022
Frequently Asked Questions
What Are Soft and Hard Credit Checks?
All lenders run a soft credit check on borrowers to ensure their goodwill. A soft check looks at personal info, verifies employment, and checks with the bank if you exist. Soft credit checks are what you would think a typical lender would take to keep their money safe. They want to tie to an address and workplace if they need to reach you.
Hard credit checks go the extra mile and check your credit history. Banks and credit unions use this check to ask bureaus to print out the report they have on your credit history. The report will list the loans you have taken and how “well” you settled them. So appearing with a non-existent or poor credit score from a hard credit check can prevent you from getting a loan.
There is no negotiating with a bank or credit union if they do a hard credit check. A single number your credit score decides if you get a loan with them or not. This is why we only run soft credit check loans where you can leverage collateral, cosigner, and even income to secure your loan.
How Much Can I Borrow Without Credit Checks?
With no credit online loans, you can borrow from $100 to $1,000 here at AdvanceSOS. You can get a $500 cash advance, for example, without waiting for days to hear back from your lender. Initially, in our drop-down menu, you may only be able to see a few loan amounts that are whole numbers; however, later on, you can choose $255 if that is the exact amount you need.
What Are the Rates and Terms of AdvanceSOS Payday Loans?
The typical interest rates for payday loans range from 15%–20% per 14 days. This means that every 2 weeks your lender will usually charge an interest fee of $15–$20 for every $100 borrowed.
Do Direct Payday Lenders Accept Unemployed People?
Yes, some direct lenders accept unemployed people with an open heart. Even without a job or recent pay stub, you can avail their loans. Though, most of them will need an alternative source of income to qualify. You can use your unemployment benefits, pension, or alimony. There is no specific list, but your income source must be stable and pay at least $1,500 per month.
Where Can I Find Loan Places Near Me With No Credit Check?
According to CNBC, in 2021, there will be around 23,000 payday lenders in the US. You can find payday lenders in loan storefronts or online. So, you can search for addresses of stores online or get yourself a direct lender right away. Also, you want to check your state and local laws on payday lending so you can verify the authenticity of lenders you find.
Can I Get Payday No Credit Check Over the Phone?
Yes, we help with loan requests by phone. You can contact us by phone at +1 (918) 544-52-99. Our lines are available for you, Mondays to Fridays from 8:00 AM to 6:00 PM. We are also open every Saturday from 8:00 AM to 2:00 PM. You can let us know what you need on the phone and our customer service personnel will assist you further.
Can I Get Payday Loans With No Credit History?
Yes, you can get an online payday loan with no credit history with AdvanceSOS. We judge your chances of getting a loan based on your present, not your past. Instead, we’ll check your current income and financial capabilities to see what we can do.
What Are Other Loan Alternatives to Payday Loans?
Instead of payday loans, you can apply for installment loans. With an installment loan, you can get more cash and extra options for payment. Get up to $5,000 worth of personal loans, divisible into monthly installments here at AdvanceSOS.
Get a Payday Loan Without Hard Credit Check Fast!
Amanda is a senior financial copywriter at AdvanceSOS. Amanda has been writing about finance since 2015. She graduated with a Master’s in finance from the University of Oklahoma. As a result, she has a wealth of experience and knowledge to share with her readers.