Top 5 Best Payday Loans No Credit Check Guaranteed Same Day Approval 2022

To Americans with a less-than-stellar credit score, finding an online loan in the midst of a financial hiccup may seem impossible. You may scramble for a seemingly “easy” way out by hunting for payday loans no credit check online. These loans are the unicorn of the financial world; everyone’s heard of them, but they don’t really exist. 

We investigated several alternatives to payday loans no credit check online – 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 Alternatives
2. Low Credit Finance – Best for Small Payday Loans Online No Credit Check Alternatives for Bad Credit Borrowers
3. Big Buck Loans – Best for Payday Loans Online No Credit Check Instant Approval Alternatives for Unemployed Individuals
4. Heart Paydays – Best for Alternatives to Payday Loans Online Same Day No Credit Check 
5. Green Dollar Loans – Best for Alternatives to Payday Loans Online No Credit Check Instant Approval

Best No Credit Check Loans Guaranteed Approval 2022

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Speedy Funds: Navigating Life’s Emergencies with Same Day Loans

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

Viva Payday Loans claims the number one place in our editor’s pick for online payday loans no credit check alternatives. Their application process for no credit check payday loans online alternatives is quick and easy. It’s also impressive that the platform offers loans ranging from $100 to $5000 with 3 to 24 months to pay. Interest, which can be a real bugbear for borrowers, starts at 5.99% at Viva Payday Loans. 

Eligibility Criteria for Alternatives to Payday Loans No Credit Check Online

• Earn $1000 p/m
• Pass an affordability assessment
• 18 years+ to apply

Pros of Alternatives to Payday Loans Online No Credit Check

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

Cons of No Credit Check Online Payday Loans Alternatives

• Expensive.

Click Here To Request Funds Online Today >>

• Low Credit Finance – Best for Small Payday Loans Online No Credit Check Alternatives for Bad Credit Borrowers

Low Credit Finance is a provider of legitimate payday loans online no credit check alternatives for bad credit. While they don’t offer payday loans no credit check online due to regulatory compliance, they have several alternative options ranging up to $5000 with interest of 5.99% to 35.99%. 

Eligibility Criteria for No Credit Check Payday Loans Online Alternatives

• $1000 p/m income
• Affordability assessment applies
• Over 18s only

Pros of Alternatives to Payday Loans No Credit Check Online

• Options for bad credit borrowers
• Flexible loan amounts
• Flexible terms

Cons of Alternatives to Payday Loans No Credit Check Online

• Up to 35.99% interest.

Click Here To Request Funds Online Today >>

• Big Buck Loans – Best for Payday Loans Online No Credit Check Instant Approval Alternatives for Unemployed Individuals

Big Buck Loans offers alternatives to payday loans online same day no credit check to self-employed individuals, freelancers, and those who have innovative ways of making income. Online payday loans no credit check alternatives of $100 to $5000 are available to individuals without formal employment.

Eligibility Requirements for Alternatives to Payday Loans Online No Credit Check

• Over 18s only
• USA bank account 
• Earn $250 per week

Pros of Alternatives to Payday Loans Online Same Day No Credit Check

• Quick approvals
• Bad credit options
• Minimal red tape

Cons of No Credit Check Payday Loans Online Alternatives

• Expensive interest of up to 35.99%.

Click Here To Request Funds Online Today >>

Heart Paydays – Best for Alternatives to Payday Loans Online Same Day No Credit Check

For those who want cash in a hurry, Heart Paydays stands out. Their no credit check online payday loans alternatives range from $100 to $5000 with up to 2 years to pay. Interest starts at 5.99% and can reach 35.99%. You’ll receive feedback in around two minutes (yes, it’s that quick!).

Eligibility Requirements for Legitimate Payday Loans Online No Credit Check Alternatives

• $1000 p/m income
• 18 years old min
• USA bank account
  

Pros of Alternatives to Payday Loans No Credit Check Online

• 60-minute payouts 
• Bad credit borrowers most welcome
• Flexible terms

Cons of Alternatives to Payday Loans No Credit Check Online

• Expensive.

Click Here To Request Funds Online Today >>

• Green Dollar Loans – Best for Alternatives to Payday Loans Online No Credit Check Instant Approval

There’s no pacing or nail biting involved when applying for alternatives to small payday loans online no credit check with Green Dollar Loans. The application takes a few minutes and the approval (or rejection) takes 2 minutes! Payouts are processed within one hour. Loans range up to $5000 with up to 2 years to pay.

Eligibility Requirements for Alternatives to Payday Loans Online No Credit Check Instant Approval

• 18+ to apply
• Earn $1k per month
• Legal resident or citizens of USA

Pros of Alternatives to Online Payday Loans No Credit Check

• 60-minute payouts
• Bad credit options
• Simple application
  

Cons of Alternatives to Payday Loans Online No Credit Check

• Interest can reach 35.99%.

Click Here To Request Funds Online Today >>

What Are Payday Loans No Credit Check Online & How Do They Work?

Payday loans no credit check online are short-term loans granted to borrowers without a credit check involved. While that’s what the concept of a payday loan without a credit check is, they don’t exist due to US lending regulations. Alternatives to payday loans no credit check online follow a simple loan model where the borrower applies online, the loan is paid back plus interest.

How to Apply for Alternatives to No Credit Check Payday Loans Online

Follow these simple steps:

Step 1: Choose Your Loan Amount 

Select the loan amount from $100 to $5000 and the loan term from 3 to 24 months.

Step 2: Complete the Application Form

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

Step 3: Get a Decision within Two Minutes

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

Step 4: Get Your Loan 

The lender will present a loan contract that must be signed before the cash can be paid over.

Features and Factors to Consider When Applying for Alternatives to Payday Loans 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 & Terms Associated with Alternatives to Payday Loans No Credit Check Online

Loan amounts start at $100 and go as high as $5000, with terms ranging from 3 to 24 months.

Reputation of Lenders Providing Alternatives to Small Payday Loans No Credit Check Online

Loan-finders only match borrowers with reputable and transparent lenders. 

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

We searched for loan-finders that offer:

• 100% online application
• Same day payouts
• Flexible terms 
• Interest not exceeding 35.99%

Conclusion

We rank Viva Payday Loans as our top pick for alternatives to payday loans no credit check online. Their service is free to borrowers and by using them, you stand to save both time and money.

FAQ’s

What Supporting Documents Must Unemployed Individuals Provide?

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

Can Low FICO Score Borrowers Get Same Day Payday Loans Online?

Yes, the lenders on the loan-finder panels offer payday loans to bad credit borrowers, and they can pay out on the same day of approval.

Where Can I Get $255 Payday Loans Online Same Day No Credit Check?  

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

Disclaimer: The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only.