For Americans with less than stellar credit ratings, finding a loan online in the midst of a financial setback can seem impossible. You can find a seemingly “easy” solution by researching payday loans without credit checks online. These loans are the unicorn of the financial world; everyone has heard of them, but they don’t really exist.

We investigated several alternatives to payday loans without an online credit check – our findings are below!

Payday Loans No Credit Check Online – Quick Overview

  1. Viva Payday Loans – Best Overall for Payday Loans No Credit Check Online Alternative
  2. Low credit financing – Ideal for small online payday loans No credit check alternative for borrowers with bad credit
  3. Big Buck Loans – Best For Online Payday Loans No Credit Check Instant Approval Alternative For Unemployed
  4. Heart Paydays – Ideal for same day online payday loan alternatives with no credit check
  5. Green dollar loans – Ideal for alternatives to online payday loans Instant approval without credit check

Best Loans No Credit Check Guaranteed Approval 2022

  • Viva Payday Loans – Best Overall for Payday Loans No Credit Check Online Alternative

Viva Payday Loans claims the top spot in our editor’s pick for online payday loans with no credit check alternatives. Their application process for online alternatives for payday loans no credit check is quick and easy. It is also impressive that the platform offers loans ranging from $100 to $5,000 with 3 to 24 months of repayment. Interest, which can be a real pet peeve for borrowers, starts at 5.99% at Viva Payday Loans.

Eligibility Criteria for Payday Loan Alternatives No Online Credit Checks

  • Earn $1000 per month
  • Take an affordability assessment
  • 18 years + to apply

Benefits of Online Payday Loan Alternatives No Credit Check

  • Low FICO borrowers welcome
  • 100% online application
  • Flexible loan amounts

Disadvantages of Online Payday Loan Alternatives No Credit Check

Click here to apply for funds online today >>

  • Low credit financing – Ideal for small online payday loans No credit check alternative for borrowers with bad credit

Low Credit Finance is a provider of legit online payday loans no credit check alternative for bad credit. Although they do not offer payday loans without online credit checks due to regulatory compliance, they do have several alternative options up to $5,000 with interest ranging from 5.99% to 35.99% .

Eligibility Criteria For Payday Loans No Credit Check Online Alternatives

  • Income of $1,000 per month
  • Affordability assessment applies
  • Over 18 only

Benefits of Payday Loan Alternatives No Credit Check Online

  • Options for borrowers with bad credit
  • Flexible loan amounts
  • Flexible Terms

Disadvantages of Payday Loan Alternatives No Online Credit Checks

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  • Big Buck Loans – Best For Online Payday Loans No Credit Check Instant Approval Alternative For Unemployed

Big Buck Loans offers same-day online payday loan alternatives with no credit check for the self-employed, self-employed, and those with innovative ways to earn an income. Online Payday Loans No Credit Check Alternatives from $100 to $5,000 are available for those without a formal job.

Eligibility Requirements for Online Payday Loan Alternatives No Credit Check

  • Over 18 only
  • US bank account
  • Earn $250 per week

Benefits of Same Day Online Payday Loan Alternatives No Credit Check

  • Quick Approvals
  • Bad Credit Options
  • A minimum of administrative formalities

Disadvantages of Online Alternatives to Payday Loans No Credit Check

  • Expensive interest up to 35.99%.

Click here to apply for funds online today >>

Heart Paydays – Ideal for same day online payday loan alternatives with no credit check

For those who want quick cash, Heart Paydays stands out. Their online payday loan alternatives with no credit check range from $100 to $5,000 with up to 2 years to pay off. Interest starts at 5.99% and goes up to 35.99%. You’ll receive feedback in about two minutes (yes, that’s that fast!).

Eligibility Requirements For Legit Online Payday Loans No Credit Check Alternative

  • Income of $1,000 per month
  • at least 18 years old
  • US bank account

Benefits of Payday Loan Alternatives No Credit Check Online

  • Payments in 60 minutes
  • Bad borrowers are welcome
  • Flexible Terms

Disadvantages of Payday Loan Alternatives No Online Credit Checks

Click here to apply for funds online today >>

  • Green dollar loans – Ideal for alternatives to online payday loans Instant approval without credit check

There’s no pace or nail-biting when applying for small online payday loan alternatives without credit checks with Green Dollar Loans. Application takes minutes and approval (or rejection) takes 2 minutes! Payments are processed within the hour. Loans range up to $5,000 with up to 2 years to pay off.

Eligibility Requirements for Online Payday Loan Alternatives Instant Approval No Credit Check

  • 18+ to apply
  • Earn $1,000 per month
  • Legal resident or citizens of the United States

Benefits of Online Payday Loan Alternatives No Credit Check

  • Payments in 60 minutes
  • Bad Credit Options
  • Simple app

Disadvantages of Online Payday Loan Alternatives No Credit Check

  • Interest can reach 35.99%.

Click here to apply for funds online today >>

What are payday loans without online credit checks and how do they work?

Payday loans without a credit check online are short-term loans given to borrowers without a credit check. Although this is the concept of a payday loan no credit check, they do not exist due to US lending regulations. Alternatives to payday loans without an online credit check follow a simple loan model where the borrower applies online, the loan is repaid plus interest.

How to Apply for Payday Loan Alternatives No Credit Check Online

Follow these simple steps:

Step 1: Choose your loan amount

Select loan amount from $100 to $5,000 and loan term from 3 to 24 months.

Step 2: Complete the application form

Follow the prompts to enter your data on the online form.

Step 3: Get a decision in less than two minutes

You’ll know if a lender can help you within two minutes of submitting your application.

Step 4: Get your loan

The lender will present a loan agreement which will need to be signed before the money can be repaid.

Features and Factors to Consider When Applying for Payday Loan Alternatives No Credit Check Online

Payday Loans No Credit Check Online Alternative Interest

Interest ranges from 5.99% to 35.99% – this amount is added to the total you borrow.

Amounts and Conditions Associated with Alternatives to Payday Loans No Online Credit Checks

Loan amounts start at $100 and go up to $5,000, with terms ranging from 3 to 24 months.

Reputable Lenders Offering Alternatives to Small Payday Loans No Online Credit Checks

Lending search organizations only match borrowers with reputable and transparent lenders.

How We Picked the Best Alternatives to Payday Loans No Credit Check Online

We searched for lenders offering:

  • 100% online application
  • Same day payments
  • Flexible Terms
  • Interest not exceeding 35.99%

Conclusion

We rank Viva Payday Loans as our top pick for payday loan alternatives without online credit checks. Their service is free for borrowers and by using them you save time and money.

FAQs

What supporting documents do unemployed people have to provide?

You must present your identity document, proof of address and your bank statements.

Can borrowers with low FICO scores get same day payday loans online?

Yes, loan research panel lenders offer payday loans to borrowers with bad credit, and they can repay the same day of approval.

Where can I get $255 payday loans online same day without credit check?

Viva Payday Loans offers great alternatives to $255 online same day payday loans with no credit check.

Disclaimer: The lending websites reviewed are correspondent lending services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.