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No Credit Check Loans? (Same Day Instant Approval)?

What Are No Credit Check Loans?

No credit check loans are funds deposited into a borrowers account by a lender without performing a search on the borrower’s credit score (without conducting a hard check). People tend to search for such loans to be paid back by their next payday.

A no credit check loan (soft check only) is appealing to those who have emergency expenses that need to be paid immediately.

The benefit to the customer of no credit check loans (i.e. no hard checks) is the fast request process with cash being deposited almost the same day (in certain situations). The disadvantage is high interest rates that can mount up, if the loan is not settled quickly.

The application process is relatively easy. The customer fills out an apply form online or in an office. If applied early enough, the borrower can receive funds the same day (in select situations).

No Credit Check Loan definition

A no credit check loan is a sort of loan where a lender ascertains your creditworthiness without using a major credit scoring agency.

What are personal loans with no credit check?

Personal loans that do no need a hard credit check are payday, installment and car title loans. Instead of a hard credit check they look at information such as your bank account, address details, current salary and a working mobile number.

These loans are short-term with relatively quick repayments from a week or two stretching into a month or more for installment loans. These no credit check loans are unsecured and the most popular loan type are due on your next payday. Title loans are the only no credit check loan with collateral at stake, secured on your car title papers.

Quick loans no credit check on the same day

The approval time is much shorter than at a traditional bank, which will require lots of paperwork. A same day loan can be done in approximately 5 minutes online (in select situations).

GreendayOnline works with same day lenders ready to get online loans same day (in certain cases).

Payday loans near your location

Are you looking to get a payday loan from a store location near you? Then you have landed on the right web-page.

We can find the best location to get you a payday loan. You can call in any state to our central call center (800) 233-9435 . The following states have online loans California, Florida,Nevada, Kansas, Arizona, Alabama, Louisiana, Georgia, Minnesota and  Texas. With our online loans, you can find a GreenDay location in a state near you.

Where Can I Find a Payday Cash Loan Near Me?

There are a couple places you can find a payday loan near you. One is in a bricks and mortar store and the other loan near you is online using your smartphone or PC. We are contactable 24 hours a day to get a cash loan.

Storefront locations

The chief benefit to a store lender is that they can distribute the cash directly in store opposed to having to wait 24 hours for an electronic deposit. Storefront lenders are best for cash the same day. The downside is that you need to check a few locations and spend time getting the right in store lender.

Online loan options

If you do not feel like finding a storefront location, then online lenders like GreenDay can give you an instant view and additional lender alternatives. This gives you a better chance of getting a loan from multiple lenders in multiple locations.

How Do I qualify for such a loan?

Borrowers with a bad credit history need to fill in an online form. The lender will access the consumers details through the application process. It will contain details such as your paycheck info, bank account number and address.

The person does not need to have a credit report from a credit bureau, as this will be performed by a soft credit check on you.

How much money can I get?

For a payday loan online you can get up to $1000. For an Installment no credit check loan (i.e. no hard check) you can get up to $5000. All such loans are available now from Green Day.

What is a bad credit score?

Financial troubles and mismanagement of credit cards can hurt your credit. Although bad credit means different things to different direct lenders, the general consensus is that with a credit score of under 620, the consumer is considered a credit risk.

The Industry of No Credit Check Loans

If you have delicate credit (usually a FICO score of 620 or less), it may be hard for you to get a loan from a banking institution, as well as from most direct online lenders. In this case a no credit check loans seems mighty appealing.

What are “no credit check loan” fees?

This, of course, means you’ll likely pay more in charges and fees, as you only qualify for higher interest rates loans – if you qualify at all. But you’re not alone. A third of all US credit scores is “fair”, which is a credit-rating of below average.

Loans With No Credit or bad credit

Fortunately, it’s not a forever thing, in seven years or so, the bad credit notion report stops appearing on your credit history, and your FICO score raises, as you work harder to show a pattern of on-time payments.

Even so, it doesn’t mean you can’t get a loan.  You might be turned away by one direct lender while others may be ready to lend.

No Credit Check Loans, Best Online Loans, Quick Cash Loans Near Me, No Credit Check Direct Lenders

These are unsecured small loans geared toward consumers who have a poor credit score, and who wouldn’t be able to access a loan otherwise. The best thing about these bad credit loans is that they are not restricted- you can borrow funds to use as you choose.

No credit check just means the lenders don’t use your credit report to determine your eligibility for a loan. Basically, there is no hard check. Only soft check is performed. This guarantees relatively quick approvals and an easy source of emergency funds.

Once you’ve identified your preferred direct lender, all you do is submit a filled loan application form and once your request is approved, you’ll receive funds into your bank account.  Just be sure to payback on your next paycheck, so you can borrow again in case you find yourself in another bind. The interest rate for payday loans may be high, but because the arrangement is short-term they’re actually quite affordable.

How much money you can get as a “no credit check loan”

The loans offered vary with your chosen lender and your pay scale. The range can be anywhere from $ 100 to $1000. Generally, $1000 is the limit but some customers are granted personal loan amounts exceeding that limit, up to $1500 or even more.

Different lenders offer different services, some lenders personalize your loan conditions into installment loans repayment amount based on your monthly income, and also work with you to help you make your payments on time.


When you have poor credit scores with a score below 600, it can be very tricky to obtain a loan from the bank or any type of lender. A no credit check loan (soft check only) obviously becomes very appealing when you are in this situation.

Before you find yourself ready to apply, you must consider a few important points. Look into the issues of no credit loans (i.e. hard checks) on the internet. It will arm you with knowledge. Avoid loans from predatory lenders by looking at interest rates . If you do not pay attention, you may have no credit for much longer.

No Credit Check Loans, Best Online Loans, Quick Cash Loans Near Me, No Credit Check Direct Lenders

Payday Advance Loans With No Credit Checks

Some payday lenders will not check your credit (soft check may be performed), if you are going to borrow a small amount. This would be $100 to $500. The payday loan lender will look at your basic credentials to see if you are not bankrupt or in serious financial trouble. If you pass this hurdle, then your payday loan will be issued without delay.

A lot of people look on Google for Payday loan no credit check (i.e. hard check) near me. Well you do not need to go a direct lender near you, because all online lenders are national and they will lend to any state depending on local regulations.

Advantages of no credit check loans (soft checks performed)

  1.  People with Bad credit is not a problem for no credit check loans (soft check done). While traditional banks impose high-interest rates on high-risk borrowers, they’re more likely to deny you a loan and leave a bad trail on your borrowing history. They’ll also take a long time to approve your loan request. No credit checks loans companies (i.e. no hard checks), on the other hand, have a quick approval time because they don’t perform credit checks (they don’t perform hard checks).
  2. Simplified application process and almost instant approval. This is a good thing especially if you have an emergency. Loan applicants can apply for online loans easily and receive the funds in their checking accounts on the same business day.
  3. High approval rates, this is good. With this type of loans, most people meet the eligibility standards, so there is a more probable chance of approval.
  4. You don’t get penalties for early payment.
  5. Helps build your credit score. If you are consistent and timely with your repayments, your lender may report timely repayments within a period of six months to credit bureaus. This will help to build your scores.

Disadvantages of no credit check loans (i.e. no hard checks)

  1. High interest rates – lenders charge high interest on these loans because they are risky. Most short term payday loans are expensive because with no collateral and a poor credit score, borrowers are view as high risk.
  2. A limit exists to the amount you can borrow, but since most lenders have no penalties for early repayment, if you need a larger loan amount, you can clear your payments early and take a different loan.

Important tips to borrowers

An emergency may arise, which will require an immediate cash loan. If you don’t have an emergency fund, borrowing could be your only option out of that predicament. It is, however, important that before you apply for any check loans, you must ensure that:

  •       You will be able to pay back the loan. Check on your income vs. expenditure and weigh, if you are able to service your loan.
  •       You do a research on multiple lenders and compare their rates before settling with one.

Payday Loans Online Same Day

How does a same day payday loan work?

You go online, apply for a loan from a website such as ours. Read the terms and conditions. The lender will approve or deny your loan dependent on a few factors. These include your address and previous loan history. Providing that is all fine, then in certain cases, you can receive funds within 24 hours.

What if I apply too late time for the same day payday loan?

If you apply after midday, you will have to wait until the following business day. Apply in the morning to stand a better chance of success.

Same Day Loans Features and Benefits

An advantage of online loans is the same day payout (in certain situations).  When you apply for a loan, if done early enough in the day, the direct lenders can get you cash the same day (depending on the case). This is because now a lot of the mechanics of the lending process is done by computers. As you can imagine this can literally save you when you have a same day emergency.

Emergencies And Same Day Loans?

If you are in a bind and need money to pay a car repair to get you to work, then you need money fast. Imagine you lose your job because of this. Emergency loans can be a real life saver.

What Are Same Day Cash Advances?

A same day cash advance implies that you will apply for a cash advance loan and receive funds the same day. Cash advances and payday loans can be deposited the same day, but it is not certain.

Same Day Personal Payday Loans

A same day personal loan is a wide description. When it comes to personal loans, they are usually over longer terms and have less interest.

Click here to see more about Personal Loans

Eligibility for a same day payday loan

No check credit loans (i.e. hard check) have easy requirements to meet because loan approval will not be based on your credit score. All lenders care about the following: you’re over 18, you have a full-time job, a bank account, or a debit card linked to the account and no outstanding personal loans. The funds are transferred electronically to your bank swiftly.

No Credit Check Loans, Best Online Loans, Quick Cash Loans Near Me, No Credit Check Direct Lenders

If you are worried about your traditional credit and wondering where to get funding for that emergency, worry no more. By filling out loan application forms online, we connect you with a pool of trusted lenders who will approve your loan request almost instantly.

We make it easier for you to receive funding from the comfort of your home. We not only offer you financial aid, we desire that you get your finances in order, and that your credit score improves.

A loan with us means getting affordable terms and an easy way out of your financial woes.