How to Access a Short-Term Loan With a Poor Credit Score

No Credit Check Payday Loan

Why a no-credit-check payday loan online?

"There will be a credit check."

Those are the words millions of hard-working people fear the most when filling out an application. Whether it is to rent an apartment, get a car or home loan or even apply for a job, checking one's credit worthiness has become a routine and unpleasant part of life. But not so with no-credit-check payday loans.

This is because paycheck advance loans are not based on one's past credit. Instead, these are loans that people qualify for because of something they do most days of the week, which is going to work. Because if you have a job, you probably are qualified to get a cash advance on your next paycheck.

No Credit Check Payday Loan Helped Me Out

“All our utilities are debited directly from our checking account. The unexpected very cold weather led to extra large gas and electric bills. Thanks to a quick deposit of our No Credit Check Payday Loan from AAA Payday Cash, we were able to avoid several overdraft charges on our account.”

Roger - Kirksville, MO

How do no-credit-check payday loans work?

Your bill-paying history is of almost no bearing on a paycheck loan, because it is based on cash flow instead. Your cash flow is basically how much money you pull in with each pay period. A loan against that is just another version of borrowing, getting you a portion of your pay a week or two early. It's not a big loan – $1000 or less – and it is structured for repayment within 30 days. But for the person who has some credit report challenges, it's a great way to work around poorly-timed bills and emergency expenses. You just sign on to the lender's website, fill out the application, and within one to two business days the money is deposited into your bank account, ready for use.

Why use

Not all companies respect the customer. Particularly when you are dealing with less-than-perfect credit, it can be difficult to ask for a loan. Regardless of your bill-payment history, this is a company that values long-term relationships with its customers. This comes through competitive loan terms, customer service and excellence in all regards. respects the working person and has established itself to best serve people who work to make ends meet. is based in the U.S. and adheres to American banking regulations. Many online cash advance loans providers are located overseas and operate outside of U.S. financial regulations.

Eligibility requirement

  • Active bank account for 90 days or more.
  • Active/current job with 90 days of employment.
  • Direct Deposit is required.
  • No Military personnel loans.
  • Minimum net income of $1,000 per month for employed and $800 for SS or retired.

About no-credit-check payday loans

Payday loans are an alternative means of short-term financing. For millions of working Americans, access to credit has been limited, creating additional financial hardship because they cannot get money to pay for poorly timed expenses. With a no-credit-check cash advance, they can get the money needed to pay basic bills, cover educational expenses, auto repairs, rent and food at a time that makes the most sense.