5 Best Online Payday Loans for Bad Credit with No Credit Check

Do you have a bad credit score and dread applying for a payday loan? Do you feel that applying for a payday loan from banks and financial institutions will only get you disappointment in the form of rejection? Well, not anymore!

Don’t let your bad credit stop you from getting a payday loan. Payday loans can be your saving grace when you face unexpected expenses and have no savings to help you out of a bad financial situation. 

However, getting payday loans comes with its own set of risks, one of which is a drop in your credit score as a result of hard credit inquiries.

But there are several online platforms that connect borrowers with lousy credit to reliable lenders for easy and fast title loans over the US. These lenders then offer you the most practical payday loan deals without any credit checks. We have researched and listed the top 5 platforms for you. Let’s take a look.

Fast Title Loans


Fast Title Loans is one of the best loan brokers in the US. The lenders on their platform make fast decisions, and as soon as you submit your loan application, they curate some excellent payday loan deals for you.

Maria Saenz, CEO of Fast Title Loans, exclaims that their seamless process and quick approvals are what make them stand out. If you need payday loans before you paycheck, you can also click here for online payday loans on Fast Title Loans.


  • They have multiple payday loan options for borrowers with bad credit.
  • Loans on Fast Title Loans platform can be approved within minutes, and the lenders release the funds to the borrower’s bank account within 24 hours.


  • The platform does not provide its service in every location in the US.

US Bad Credit Loans


US Bad Credit Loans has a plethora of payday loan lenders for borrowers who require immediate cash to address a few financial issues before their next paycheck arrives. The platform provides you with access to lenders that offer some of the best no-credit-check payday loans online at competitively low-interest rates.

You can apply for a payday loan of up to $5,000 on their platform for free. The application process is relatively quick, as is the approval process. And the excellent part is that many of the lenders on this platform report on-time payments to some significant credit bureaus. Thus, giving bad credit borrowers a superb chance to build credit. Visit the website and get payday loans for your need.


  • The lenders on US Bad Credit Loans run a soft credit check.
  • Their rate of interest is competitively lower.
  • If you have a lousy credit rating, the lenders will specifically curate payday loan offers for you.


  • If you default or miss a payment, you may incur late payment charges. 



WeLoans is another noteworthy player in the community of payday loan brokers online with no credit check and instant approval. In addition, the screening process for WeLoans’ partner lenders is relaxed. 

The creditworthiness evaluation of the applicant is based on their income, debt-to-income ratio, spending history, and length of time at their current job rather than their credit score. 

These lenders may report payments to the three major credit bureaus, but they do not use these bureaus to evaluate a borrower’s creditworthiness. Instead, they only conduct soft credit checks and make approval decisions in less than five minutes.


  • Their approval rate is among the highest in the industry at 98%.
  • WeLoans allows joint signing.
  • WeLoans has a strong network of licensed lenders.


  • You must have a credible income source to get approval from WeLoans.



iPaydayLoans is yet another major player in the no-credit check loan broker industry. The variety of loans their lenders offer to borrowers distinguishes this lending service from its competitors. 

Even unemployed people can get loans from this highly-rated lending service. If you are unemployed and have a consistent source of income, you can qualify for a payday loan with iPaydayLoans. 

Their lenders approve payday loans of up to $5000 without a credit check. The best part is that no hard credit inquiries are made during the application process.


  • Their loan approval rate is as high as 97%.
  • They do not charge any additional loan processing fees.


  • Not a direct lender.



CocoLoan is a customer-centric loan broker that connects its users to multiple potential lenders for all kinds of bad credit loans. In addition, it has on-call customer service that works around the clock to resolve complaints and provide detailed answers to any pressing questions you may have.

The application process, like many others on this list, is relatively simple, and approval decisions are almost instant. In addition, borrowers can borrow up to $5000 with a repayment period of up to 24 months.


  • Their customer support team is very friendly and prompt.
  • Their lenders make approval decisions within a few minutes.
  • Their platform has various other kinds of bad credit loans apart from payday loans.


  • You might have to pay late payment charges.


Do you require a no-credit-check payday loan? Sometimes, in a financial fix, we just need a little push to get back on track. And that extra cash can make all the difference.

You can choose a platform from this list of the five best payday loan brokers in the United States. Each of the loan services listed here is an excellent no-credit-check payday loan alternative.