Are you crunching the numbers trying to decide how much you need to loan to get through the month, pay for an expense that snuck up on you, or get that unexplained rattle in your car’s engine fixed? The chances are that you’re like millions of other Americans investigating their payday loan options. With so many payday loans bad credit online to choose from, it can be hard to decide which ones offer the best deals and are the safest for you to choose.

With this guide, we hope to quell any fears and concerns you may have about payday loans bad credit high acceptance, present you with the top 5 on the market, and give you the nitty-gritty details on each one of them. Ready to find the perfect payday loans for bad credit for you? Read on.

Payday Loans For Bad Credit – With Very High Approval

Need cash quickly? Head to Viva Payday Loans for a decision in 2 minutes and very high approval rates for bad credit applicants.

5 Best Payday Loans For Bad Credit in 2021

Here’s our list where you can find the top 5 payday loans bad credit, no phone calls, or paperwork with quick payout.

  1. Viva Payday Loans – Overall Best Bad Credit Loan Provider. Visit now.
  2. Money Lender Squad – Best For No Guarantors. Visit now.
  3. Credit Clock – Best for Fast Approvals. Visit now.
  4. Very Merry Loans – Best for Same Day Payouts. Visit now.
  5. Heart Paydays – Best for Low APR. Visit now.

How Do Payday Loans for Bad Credit Work?

Payday loans bad credit same day are designed to be paid off quickly, typically within 7 to 30 days, although some lenders do allow an extended repayment period depending on the size of the loan. Due to the short loan term and because payday loans are meant to be temporary financial relief, lenders usually impose a limit of a few hundred dollars (sometimes up to $2,000) on payday loans. They’re referred to as payday loans bad credit instant approval because they’re usually paid out within 60 minutes, and you’re meant to repay them in full on your next payday. In fact, the lender will set up an automatic direct debit to whisk the money out of your bank account on the same day that you’re paid.

Payday loans are only legal in 32 states, so you might not be able to get one if you’re not in one of those states. The amount you can borrow and the terms and conditions can also vary from state to state.

Common Uses of Bad Credit Payday Loans

If you’re trawling the internet and carrying out multitudes of searches for “payday loans bad credit near me,” you might be wondering if you have to give a specific reason for wanting to borrow money. Here’s the good news! You can use a payday loan for anything you want. Most lenders won’t enquire the reason for the loan – if you need the money, you need it! And if you’re eligible for a loan, your reasons don’t really matter. Most people use their payday loans bad credit same day payout for the following purposes:

  • Vehicle repairs
  • Gifts
  • Family vacations
  • New furniture items
  • Medical emergencies
  • Vet bills
  • Unexpected expenses
  • Replacing broken appliances
  • Buying groceries
  • Paying for past due utility bills

Payday Loans Bad Credit With Guaranteed Approval – How to Qualify

Payday loans bad credit guaranteed approval eligibility requirements are generally easy to meet. You qualify if you are:

  • 18 years old or older
  • A US citizen
  • A US bank account holder
  • Employed and get a steady paycheck (proof of 90 days employment required)
  • A valid Social Security Number holder

Things are a little different in Nebraska and Alabama, where you need to be 19 years old to apply.

How to Increase Your Chances of Approval With Bad Credit Payday Loans

Payday loans are easy to get; that’s a given. But some people don’t get it right and face rejection of their loan request. There are several things that lenders look at when determining whether you’re a viable candidate for a loan or not. As such, there are a few things you can do to be eligible for payday loans bad credit instant approval.

Using a reputable broker is a great way to pre-qualify for loans and connect automatically with lenders most likely to pay out your loan request. In addition, there’s less hit-and-miss involved when using such a website.

  • Ensure you meet the basic payday loans bad credit criteria

If you want to apply for a loan, make sure you can provide the required information and meet the minimum criteria. If you can’t/don’t, you won’t be approved. Make sure that you have the relevant supporting documents.

  • Show affordability of the loan

If you’re applying for payday loans with bad credit no credit check, the lenders will consider alternative details to verify the loan. The first thing they look at is affordability. Can you afford the loan? The lender will take your pay stubs, bank statements, and a list of your current accounts and expenses to decide. If you’re going to apply for a loan, spend some time whittling down your monthly expenses.

  • Provide true and accurate information

Payday loan providers can tell a lot about you from your credit check and bank statements. That’s why it’s important to show truthfulness and transparency by providing the correct information.

Payday Loans Online for Bad Credit – Best Providers Reviewed

See how each of the top online loan portals stack up against each other below.

1. Viva Payday Loans – Best for high acceptance and quick cash paid in 15 minutes

Viva Payday Loans is our best all-round bad credit payday portal. Here borrowers can find a variety of payday loans bad credit amounts from $200 to $5,000 with 2 to 24 months to pay. As a broker site, you can complete a quick online application form and receive feedback on the loan approval in just two minutes.  Whether you’re approved or denied – you’ll find out either way.

If you’re approved for a loan, you will be directed straight to the payday loans bad credit direct lenders who will be providing you with the funds. If the lender is able to assist you, they may request further information from you, such as proof of address, your bank statements, and proof of income (pay stubs). On provision and verification of these documents, the lender will draw up a loan agreement and provide it to you. After reading and accepting the terms and conditions, the borrower signs the loan and shortly after receives the funds via direct bank deposit. Automatic monthly debit is used to repay the loan.

The interest rate can vary from one direct lender to the next, but generally speaking, the site offers interest rates ranging from 5.99% to 35.99%. Viva Payday Loans doesn’t skimp on offers – the site offers payday loans online for bad credit, no credit, benefits recipients, and even unemployed people. Examples of loans available through Viva Payday Loans:

Lender Loan Amount Terms APR Fees Star Rating
LendUp $100 – $500 2 to 24 mnths 30% – 180% None 10/10
Rise Credit $500 – $5,000 2 to 24 mnths 50% – 299% None 10/10


  • Same day payout
  • Loans range from $200 to $5,000
  • 5-minute application process and 2-minute approval


  • Not available in all states

2. Money Lender Squad – Best for no guarantors required & no paperwork

Money Lender Squad presents low APR no guarantor loan opportunities to the US market. This platform offers payday loans bad credit instant approval. Whether you need a personal loan with no credit check over 24 months or a quick payday loan over just 60 days, you can find it at Money Lender Squad. Interest rates can range from 36% to well over 400% APR.

To apply for a loan, borrowers simply complete an online form with their personal particulars and provide supporting documents. There’s no hard credit check involved as Money Lender Squad focuses primarily on affordability.

Applying for payday loans bad credit with Money Lender Squad takes just a few minutes. All a borrower has to do is complete an online form with personal particulars, and click “Submit.” The automated system then delivers the loan application to lenders most likely to approve the loan.

Lenders then have the opportunity to decide if they can service your request. If one of the lenders on Money Lender Squad’s panel can assist, you will be directed to their website to complete the process.  All of this takes just a few minutes – not hours or days. Once you complete the registration process directly with the lender and sign the agreement, the money is paid into your account by the next business day.

Lender Loan Amount Terms APR Fees Star Rating
OppLoans $500 – $4,00 2 to 48 mnths 99% – 160% None 10/10
Rise Credit $300 – $3,500 2 to 24 mnths 89% – 449% None 10/10


  • Extended loan terms
  • Quick online application system
  • No guarantor required


  • The lower your credit score, the higher the interest

3. Credit Clock – Best for fast approvals & variety of loan quotes

Credit Clock is a short-term loans broker offering payday, personal, and bad credit loans between $200 and $5,000.  The portal is well-known for its quick application and approval process – if you need cash in a hurry and you’re on a time crunch, this seems like a good loan-finding option. Applying for payday loans bad credit online takes just five minutes, and approval is received just a few moments later. All in all, from approval to payout, the process takes less than 24 hours.

The approval process at Credit Clock is known to be simple. Even those with bad credit are welcome to apply as long as they meet the minimum earning requirements of $1,000 per month and are eligible. Eligibility is based on affordability, being 18 years old (at least), and proving income and address. This loans portal only offers loan deals to American citizens who are registered (legal) permanent residents.

Lender Name Loan Amount Terms APR Star Rating
OppLoans $500 – $4,000 9 to 18 months Varies 10/10
GreenDay $100 – $5,000 24 months 5.99-35.99% 9/10


  • Bad credit borrowers welcome
  • Approval in just two minutes
  • Money paid over in 24 hours


  • Must earn a minimum of $1,000 per month

4. Very Merry Loans – Best for same day payouts & no previous credit needed

Very Merry Loans is an online loans portal that connects borrowers with leading lenders in the US. The portal offers access to payday loans bad credit instant approval, and same-day loans that take a few minutes to apply for and around 60 minutes to pay out. In some instances, loans take at most 24 hours to be paid out. At Very Merry Loans, the loan model is simple. The broker present a panel of some of the most reputable lenders in the US. The company matches applicants with lenders most likely to pay out their loan requests.

Loans range from $200 to $5,000, and applicants can select a loan term that matches their financial situation. Most borrowers repay loans up to $2,000 (payday loans) over 7 to 31 days, but extended loan terms for higher amounts are available from two to 24 months.  Interest rates vary from one lender’s offer to the next, but generally speaking, most offers include 5.99% to 35.99% interest.

To apply, applicants must be 18 years old, an American citizen, earn at least $1,000 per month (through a traditional job or alternative income stream), have proof of address, and a verifiable form of identification.

Lender Loan Amount Terms Fees Star Rating
CashNet USA $500 to $1,000 8 to 31 days Fees are specific to state of residence ** 9/10

** For example, Florida loans come with a $5 verification fee + $10 per $100 borrowed.


  • Unemployed and bad credit borrowers welcome
  • Extended repayment periods are available
  • Loans of $200 to $5,000 are available


  • High interest on 30-day loans

5. Heart Paydays – Best for low interest rates

Heart Paydays is another loan portal particularly popular in busy US hubs. The portal takes the inconvenience out of storefront loan applications by offering full service online loans. Applicants of payday loans bad credit with Heart Paydays can complete the entire application process online in five minutes from the comfort of their homes.

Heart Paydays completes loan disbursement of payday loans bad credit online in 60 minutes (at most 24 hours) and is known to providing loans to people who other lending platforms have turned down. At Heart Paydays, you can get a loan even if you have bad credit, are unemployed, live on government benefits, or simply need a cash boost to get you to your next payday. While payday loans are the platform’s main focus for amounts between $200 and $2,000 typically paid off within 60 days, borrowers can receive loans up to $5,000 with 24 months to pay.

Heart Paydays is best known for low APRs, especially on short-term loans. Most lenders offering loans through the portal keep their rates competitive, with max APRs going up to 35.99%.

Lender Loan Amount Terms Fees Star Rating
LendUp $100-$500 30 days $17 to $50 10/10
ACE Cash $200-$2,000 7 to 30 days 3% 9/10


  • No paperwork and phone calls involved
  • 60-minute disbursement
  • Up to 24 hours to pay


  • Potentially high fees on certain loan offers

Different Types of Payday Loans with Bad Credit

There are several types of payday loans with bad credit that fall into the payday loans category as follows.

Bad Credit Payday Loans Direct Lenders

Nobody wants to pay the middleman simply for putting them in touch with the lender who can assist them.

Applying for payday loans bad credit with direct lenders is the best way to ensure you’re getting the lowest fees and APRs. When searching through a loan-finding website for your loan, you will be put in direct contact with the lender, who will then determine how much you can borrow, the loan term, and the fees to attach. The loan agreement for bad credit with a direct lender is between you and the lender and doesn’t include any third parties.

How do loan-finding websites make their money? Well, that’s easy! The lender pays the broker a fee for successful loan contracts, and the good news is that this fee doesn’t impact your loan deal at all – that part of the service is entirely free to you.

Get a Direct Lender payday loan here >

Payday Loans Bad Credit Same Day Deposit

When applying for payday loans bad credit no credit check, you probably need it in a hurry. Leading instant cash advance companies focus on paying out payday loans as quickly as possible.

The clock starts ticking from the moment the money is in your account – that means that you have 7 to 30 days to repay the loan, according to your agreed terms (longer terms are possible).

Payday loans bad credit instant approval are typically approved within a few minutes and then paid out within 60 minutes. While most same day lenders offer a 60-minute payout, there are instances where the funds are paid over on the next business day (24 hours).

Get a Same Day Deposit payday loan here >

Payday Loans Bad Credit No Credit Check

Many people who apply for instant cash loans have bad credit or no credit history at all. If you’re one of these people, you’re bound to be on the lookout for payday loans bad credit. The last thing you want is your poor or nonexistent credit ruining your chances of getting the money you need.

No credit check loans are designed for people with a less than stellar credit score. The lender won’t do a hard check on your credit profile but will scrutinize your income and monthly expenditure to see if you can afford the loan.

Suppose you can afford the loan (that means you must earn enough and have enough excess cash each month to cover the installments), and you meet the eligibility criteria. In that case, you are a viable candidate for a bad credit payday loan with no credit check.

Get a No Credit Check payday loan here >

Payday Loans For Bad Credit No Guarantor Required

If you can’t get a regular loan, you might think about getting a loan with a guarantor. With this type of loan, someone with good financial standing co-signs the loan and agrees to take over the payments if you default on the loan.

Getting payday loans bad credit no guarantor means that you don’t have to have a co-signatory to get approved for the loan. This type of loan is designed for someone with bad credit.  Unsecured loans come with risk to the lender, so the interest rate is usually higher than on a secured loan.

Because there is no guarantor involved and you have bad credit, you can expect the loan amount to be small and the loan term to be relatively short.

Get a No Guarantor Required payday loan here >

Payday Loans Bad Credit Unemployed

Getting a bank loan when you don’t have a traditional job is seemingly impossible. Banks and financial institutions want to see evidence that you’re gainfully employed by means of pay stub evidence. But what if you’re a freelancer or receive your income from trust payments, benefits, an allowance, or property rental (to name a few)?

In these instances, you can apply for payday loans bad credit unemployed deals. An unemployed loan still comes with terms and conditions, and you must earn at least $1,000 per month, even if it’s not from a regular job. Income statements and bank statements can be used for proof of income.

Get a Unemployed payday loan here >

Payday Loans Bad Credit With Instant Approval

Everyone wants a payday loan that requires minimal information, doesn’t pry too much into credit history and pays out on the spot. While this wasn’t possible in the past, it’s very possible today with the help of payday loans bad credit no credit check online brokers.

Payday loans for bad credit with instant approval are loans that are available online for amounts usually less than $10,000. The loan application process usually takes a few minutes, with the approval period being just as short.

Instant approval loans are normally approved within 2 minutes of submitting the application. Thereafter, the process takes a few more minutes to finalize the deal, and the money is paid out within an hour.

Get a Instant Approval payday loan here >

Bad Credit Payday Loans No Paperwork or Phone Calls

If you’re looking for payday loans bad credit no phone calls, or paperwork, you will find plenty of options online. Online loan-finding portals are designed to be fully automated.

That means that you select the loan amount and term you want, input your personal details in the online application form and click “submit.” You are sent to a lender’s website after that to complete the process. This is where the lender verifies that your provided information is true and correct. If it is, the loan is approved, and you are paid the money.

There’s usually no need for paperwork and phone calls – but in the rare instance that lenders need more information or require a supporting document, they may contact you or request that you contact them.

Get a No Paperwork or Phonecalls payday loan here >

How to Get Bad Credit Payday Loans

While each loan finding website operates in its own unique way, you will find that they all share similarities when it comes to the application process. For the sake of this example, the application process for payday loans bad credit at Viva Payday Loans is cited below.

Step 1 – Go to a reputable loan website

Visiting the Vivapaydayloans.com website will present you with a simple and easy-to-understand layout. Simply look to the top right side of your screen and click on “Apply Now.”

Step 2 – Select the loan amount

You will be presented with a screen to start capturing your information. Enter the amount you wish to borrow and enter your email address.

Step 3 – Complete the online application form

The online application form will require your name and personal details, employment/income information, banking details, and a list of your monthly expenses.

Step 4 – Wait for Approval

Approval takes just two minutes, so don’t step away from your screen while you wait for feedback. If you’re not approved for a loan, you will be provided with a message informing you.

Step 5 – If Approved, Get Your Bad Credit Loan

If your loan application is verified, the lender will provide you with a loan agreement to review and sign. Reading the terms and conditions is vitally important. Once you sign and return the agreement to the lender, the loan amount is paid directly into your bank account.

Step 6 – If Not Approved, Try Another Bad Credit Broker

If your payday loans bad credit online request is not approved, you can try another loan-finding website such as Credit Clock or Heart Paydays, or any of the broker websites reviewed above. Because these sites don’t carry out a hard credit check, you don’t have to worry about it hurting your credit score, and they are free to use too!

Advantages of Brokers When You Have Bad Credit

You might wonder why it’s viable looking for a loan with a loan broker instead of going directly to the lender. First and foremost, loan brokers save you time by presenting you with offers from payday loans bad credit direct lenders most likely to approve your loan. Their services remove the hit-and-miss risk you might take when sending out many loan requests.

In addition to this, having your loan request presented to multiple lenders means you’re more likely to receive approval for your loan.

Also, loan brokers don’t carry out hard credit checks on your credit profile, which means it won’t impact your score negatively. If you apply individually with each lender, a credit check will be carried out each time, with the approval or denial noted on your credit history each time.

Advantages & Disadvantages of Payday Loans

If you’re thinking of getting payday loans bad credit instead of a normal loan, you might wonder what the advantages and disadvantages are. Here they are:


  • Online applications that take a few minutes
  • 2-minute loan approvals
  • No need for telephone calls and paperwork
  • Access to decent loan amounts of $200 to $5,000
  • No credit check required
  • Loans available to bad credit, no credit, and unemployed borrowers
  • Deal direct with lenders
  • Same day payout (no waiting around for cash)


  • Potentially high fees on certain loan offers

Eligibility for Bad Credit Payday Loans

To be eligible to apply for payday loans bad credit online through any of the above-reviewed portals, you must meet the following criteria:

  • 18 years or older
  • US citizen or registered (legal) permanent resident
  • Proof of any source of income of at least $1,000 per month
  • Have official government-issued ID
  • Supporting documents: bank statements, pay stubs, and proof of address
  • Active bank account

Viva Payday Loans – Best Platform to Get Payday Loans


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About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.



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