5 Best Payday Loans with No Credit Check in the USA

Payday loans are an excellent choice to get financial help while waiting for your next paycheck. These types of loans are highly-sought after choices as they don’t require collateral. Plus, they are easy to secure, even if you have a bad credit score. 

When you apply for credit, your credit score is typically reviewed through one of the major credit bureaus in the United States. This type of inquiry can further forestall your credit score. This is called a hard inquiry. 

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The solution to this problem is a soft check that doesn’t cause a dip in your credit score. 

However, there’s no such thing as no-credit-check loans because it’s mandatory by federal governing bodies to conduct a check on the borrower without any exceptions. In addition, many states capped the no-credit check loan amount at $225-1500.

Soft checks don’t impact a borrower’s credit score, so they are popular as no Credit Check loans. 

Eligibility criteria:

Here are the eligibility criteria for No credit check payday loans in the US:

  • Must be a US citizen
  • Must be 18 years or older
  • Submit a valid government id
  • Steady source of income
  • Active bank account

But what are the best payday loans with no credit check in the USA? We’ve compiled a list of the five best options below. Read on to learn more.

The process to get payday loans:

Payday loans online with instant approval from WeLoans can save you from the hassle of standing in a bank queue and filling out tons of paperwork. The process is somewhat similar for all the online lending platforms, offering you convenience and quick processing. Let’s have a look at the step-by-step process. 

  1. You have to fill out the online form sharing your basic details. 
  2. The lenders will quickly determine your eligibility and put forth an offer. 
  3. You can pick one of the quotes that serve your requirements. 
  4. Sign the agreement and get your cash in your checking account.

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WeLoans connects you with registered lenders who offer no-credit-check payday loans. These types of soft-credit checks are useful for people with a default debt history or no credit history. The repayment tenure is typically 2-4 weeks. The process to secure a fast payday loan is to share your employment status and income details to assure your creditworthiness. The APR averages 460%.


  • The platform has a simple application process, 
  • They offer fast approval
  • Bad-credit friendly


  • Only available in certain states 
  • High APR rate


Another great option for those who need to borrow quick cash from trusted lenders online is HonestLoans. The application process is simple and easy, and you can get your money within 24 hours. In addition, they offer loans across credit score profiles. This means that a poor or absent credit history won’t affect your ability to secure a no-credit-check payday loan.  

There are no hidden fees or charges, and the interest rate is reasonable. However, HonestLoans is only available in certain states. 


  • No hidden fees
  • A vast network of lenders
  • Compliance with privacy regulations


Only available in certain states 

Easy Payday Loans

The partner lenders at Eas yPayday Loans offer No-credit check loans to borrowers. One can borrow amounts starting from $300 to $5000. However, the actual amount will depend on the lender’s assessment of your repayment ability and state laws. 

Lenders won’t conduct a traditional check, so your credit score remains intact. But, they will confirm your employment and income details to ensure your creditworthiness. This practice protects lenders from losing their money and borrowers from potential defaults. 


  • No brokerage fee is charged to applicants on the platform.
  • Trusted lenders offer multiple options
  • Lenient requirements that are easy to fulfill


  • High-interest rates

US Bad Credit Loans

As the name suggests, this platform aggregates bad-credit lenders who can offer no-credit-check payday loans. First, applicants must share employment types, income details, pay cycles, bank account details, and personal details. Then, the lenders check if you can repay the borrowed amount. If you fulfill their criteria, you can get a payday loan within the same or the next business day. 


  • No minimum income requirement
  • No minimum credit score requirement
  • Trusted lender network


  • Not available in all the states
  • High-interest rates


iPaydayLoans is a lender network that offers no-credit-check payday loans to applicants. However, bad credit can be a hurdle. Hence, lenders at payday loans conduct soft credit checks to prevent forestalling your credit score. 

Plus, the USP of the brokerage platform is that the lenders offer an unemployed payday loan as well. As layoffs or termination can be financially stressful, applicants can show other income sources to secure a payday loan. These alternative criteria include income from trust funds, freelance work, social security funds, etc., instead of a typical paycheck. 


  • No collateral needed
  • Freelancing income, rental income, social security, etc. considered for the unemployed.


  • You need a debit card and an active bank account.


If you’re looking for a payday loan with no credit check in the USA, look no further than our list of the five best options above. Whether you need quick cash for an emergency expense or just want some extra spending money for a weekend trip, a payday loan can be a great solution. Just be sure to carefully read all the terms and conditions before you apply to understand what you’re getting into. Good luck!