Online Payday Loans for Bad Credit or No Credit

No credit history isn’t identical to bad credit history. After all, if you don’t have a credit history, lenders won’t be able to find out whether you can pay your bills based on the contract. A bad credit history also means that you have had problems paying off loans and it will be difficult for you to get good loan terms.

Quick Loan Request

Use your vehicle's clear title as collateral to get an instant loan.

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use, I understand that by submitting my information, I may be contacted by telephone by one lender.

Prequalifying doesn't affect your credit score!

Get your money in
3 easy steps

apply now

Author:

Eric Oshea

APPLY NOW

Is no credit worse than bad credit?

Though good credit history is very important for getting guaranteed approval online for Payday Loans, reliable income also matters. Bad credit history may entail the following problems:

Difficulties in purchasing housing
High utility deposits
Fewer loan options
High interest rates or refusal of a loan

The credit score scale ranges from 300 to 850. A rating below 650 is considered low, so it will be difficult to find a lender with this rating but still possible if you apply for bad credit or no credit Payday Loans online.

You may have received low points due to serious credit violations you committed earlier:

Late payment of invoices

Used more than the credit limit of 30%

The accumulation of debt

Were declared bankrupt earlier

Get a summary of your credit score and analyze your mistakes. You can get a summary for free once every 12 months. If you do not have a credit history or it is bad, try to improve it and score more points.

APPLY ONLINE

How to create a good credit history?

If you have bad credit or no credit at all, keep in mind, that It will be much easier to create an initially good credit history than to correct a bad one. Options for creating a good credit history are:

Credit builder loans
College student's credit card
The status of the authorized user
Secured credit card

How to fix a bad credit history?

A bad credit history also needs certain actions to improve it:

Get a free report
Check the report for payments that you have not made, addresses where you have never lived, unknown accounts, and other suspicious activities
Deal with mistakes you made or actions you didn't do

No matter what terrible mistakes you make, they will all be canceled after 7 years if you fail to deal with them. Use our tips, they will definitely help you fix the situation and prevent mistakes in the future. Or apply for bad credit Payday Loans online now, or Payday Loans with no credit and get guaranteed instant decision from the best direct lenders.

Our Offices

1481 Market St Tallahassee, FL 32312

Material disclosure

APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Here's a quick example:

You borrow $1,000 with an APR of 3% over 3 years (assuming an annual APR calculation).
Year 1 interest: 1,000 x 0.03 = 30 and 30 + 1,000 = 1,030
Year 2 interest: 1,030 x 0.03 = 30.9 and 30.9 + 1,030 = 1061
Year 3 interest: 1,061 x 0.03 = 31.83 and 31.83 + 1,061 = 1,092.83 In total, you'll pay back $1,092.83 at the end of the finance period.

For peace of mind, and to ensure you know what you're going to pay, ask your lender exactly what fees are included in the APR figure they offer you.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.