Direct lender payday loans instant approval no credit check

Q: What loan can I get instantly?

Loans that are referred to as instant loans” are typically a cash advance or a payday loan. This type of loan usually comes with very high interest rates, so it should be a last resort. APR for short term loans can range from 100% to 900%.

Table of Contents Show

When you need a loan today!
What kind of loan can I get with no credit check?
What loan can I get instantly?
What's the easiest loan to get with no credit?
What app lets you borrow money without direct deposit?

When you need a loan today!

We can help you get a payday loan online with instant decision on approval. Your Fast, Secure, & Reliable lending partner.

Instant Request

Instant Application

Simple online application form is the fastest route to your quick loan available 24/7.

Quick Processing

We speed up every step of the borrowing process, from loan application to funding.

Same-Day Funding*

Same-day approval and same-day deposit loans are now available at 24CashToday*.

Your Options with 24CashToday

Depending on your needs, you can select among several cash loan options: payday loans (or cash advance), installment loans, or title loans. 24CashToday makes it simple & fast to get any of these loans online.

Bad Credit Loans

Bad credit score is not the only factor, which is considered when evaluating loan requests, this is why people with poor credit score below 600 can still get an instant cash loan. Our lenders offer the best loan options for each individual case, including bad credit.

No Hard Credit Checks

When you need emergency cash to deal with critical life situations, then you should not be worried about credit checks. Every direct lender performs some sort of background check, but this fact should not be an obstacle between you and your small cash advance.

Our Promise

Instant Loan Decision 24/7
Same-day Deposit Available
No Hard Credit Check
Quick Online Application
Bad Credit Considered
Best Loan Options
No Guarantor Required
No Hidden Fees

You need to complete an online loan application and make sure that you meet the general eligibility requirements if you:

Are at least 18 years of age (or legal age by your state law) and a citizen or permanent resident of the US
Are currently employed or can provide a verifiable source of income
Can receive direct deposits to your checking account
Can provide a physical address, email address and phone number

Small payday loan requirements and terms may vary by state, please see more info here.

Typically, the loans are deposited the next business day after the application has been approved. Though same-day funding cannot be guaranteed, by applying before 8 a.m. CT you can greatly improve your chances of having the loan deposited the same business day.

Yes. Both fast approval payday loans, as well as installment loans, are available to people with poor credit scores of 600, 500, 450 or lower. However, bad credit payday loans might have a higher interest rate and cost more, also the options will be limited.

Secured loans such as title loans are the easiest small loans to get with bad credit due to collateral which is being used to support the loan instead of a credit check. Still, an unsecured payday loan is the easiest one to get online since you do not need to visit the physical store.

Yes. Some lenders perform a so-called soft credit check which by itself does not affect your credit score like hard credit checks may. Without exclusions, all lenders do some sort of background check when evaluating your loan application.

No. No payday lender can offer a guaranteed loan approval no matter how good or bad your credit score is. To guarantee yourself higher chances try to 1. make sure that you meet the eligibility criteria and 2. reach as many lenders as possible.

Find out more about guaranteed loans.

The best payday loans meet several criteria:

these loans are affordable and without hidden fees
the best loans have flexible terms
such loans come from reputable direct lenders
and the most important - they meet the individual needs of the borrower

The best alternatives to payday loans are installment loans and car title loans. Installment loans have a longer repayment period and require no collateral, while title loans use a car title as collateral but usually come with a lower interest rate than payday loans or installment loans.

Visit our FAQs section for more questions and answers about loans, borrowing, and debt.

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What kind of loan can I get with no credit check?

There are a few different types of loans that do not require a credit check, such as personal loans with no credit check, most federal student loans, some credit-builder loans, and payday loans. It's unlikely that you'll find car loans, mortgages or home equity loans that do not require a credit check.

What loan can I get instantly?

Loans that are referred to as “instant loans” are typically a cash advance or a payday loan. This type of loan usually comes with very high interest rates, so it should be a last resort. APR for short term loans can range from 100% to 900%.

What's the easiest loan to get with no credit?

The easiest loan to get with bad credit is a no-credit-check loan from OppLoans, as this lender will not do a hard inquiry into your credit history during the application process. OppLoans personal loans also offer $500 - $4,000 in funding for up to 18 months, and the APR range is 59% - 160%.

What app lets you borrow money without direct deposit?

Earnin gives you fast and easy access to up to $100 per day and up to $500 per period. Download the free Earnin app, create an account in just a few minutes and you can borrow money right away, as soon as you're verified. There is no credit check and you don't need to setup direct deposit.