What are No Credit Check Payday Loans?

No credit check payday loans are short-term cash loans that you can get regardless of your credit score. Most payday lenders do not perform any traditional credit check from the credit bureaus like TransUnion, Equifax, and Experian. These loans can easily be requested online and do not require any paperwork. If you apply for a no credit check payday loan online and get approved, the money will be deposited directly into your checking account in just one business day.

You complete an online loan request process in about 2-3 minutes. The acceptance rate is high and CashOne does not charge any fees for our services. No credit check payday loans are:

  • Really fast and reliable
  • Have no brokers or agents
  • The best option in case of emergency cash needs or expenses

The biggest benefits of online payday loans with no credit check are:

  • You get your cash fast (usually in 1 business day)
  • There are no credit checks
  • You can apply fast online and get an answer in seconds
  • Your odds of approval are higher because many lenders will review your loan request
  • It is safe and secure to apply right from your smartphone

Eligibility varies by the state you live in as each state regulates these short term loans differently. But generally, you must:

  • Be 18 years of age or older
  • Have a current, valid ID
  • Have an email address and phone number (cell is good)
  • Have an active bank account
  • Have at least $1,000 in monthly income

Other criteria may come up depending on where you live. Your lender will ask you any questions required by state law.

Work with CashOne, a long-established online payday loan company that allows the borrowers to get emergency cash, even if they have a poor credit score. CashOne has been in business for more than 10 years and worked with more than 500,000 people to assist them in their time of need. Our established network includes more than 120 direct payday lenders who provide no credit check payday loans. We are proud we are able to assist more than 80% of those you ask for our help. Not everyone is approved but we try our best to assist.

If you are approved and get a loan and you anticipate a problem with your repayment, contact your lender immediately and ask what they can do to change the terms to fit your needs. Most lenders will work with you to reach a new payment agreement.


Instant approval loans do not exist. Because the processing of a loan request takes 90 seconds or less, some companies call it “instant”. However, this can be misleading because, if you are approved, the actual funding of your loan is normally one business day (excluding holidays and weekends). So, you really do not get instant results. But there is no faster way to get a loan than a no credit check payday loan.

Most important, provide accurate information. Be honest. Any discrepancies in the information provided and what a lender finds from your records can cause you to be disqualified. Be upfront and you actually increase your odds of approval.

Just go to the short payday loan online application form and fill it in. When complete, hit the submit button and the process begins.

Not everyone gets approved, but a high percentage do. Reminder: there are no instant loans, but fast processing will get you cash in one business day if approved.