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Bad credit payday loans

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There are loan options available for you even if you have bad credit.

Finding a loan is tough when you have less-than-perfect credit, especially when the minimum credit requirement set by a bank puts a conventional loan out of your reach. Short-term options like payday loans can be a big help when you’re facing an emergency expense, but you’ll want to make sure you know exactly how much it’s costing you before you sign on the dotted line.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    How can I get a loan with bad credit?

    Short-term lenders are more concerned with your ability to repay than with your credit history. And applying for a payday loan is simple. You can choose to visit an online lender or travel to a storefront near you. Applications are usually quick, and when you’re approved, you can have your funds in as little as one business day.

    Because of the quick turnaround and acceptance of bad credit, you’ll face higher interest rates and more fees. This can easily add hundreds of dollars to your loan if you aren’t careful, so read over the terms you’re given and compare your options below to make sure you’re getting a good deal.

    Payday loan lenders that accept bad credit

    Rates last updated October 21st, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    1 business day
    Must have direct deposit and meet minimum income requirements.
    LendYou Short-term Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    1–2 days
    Must have an active checking account, regular source of income and email address.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    What are the benefits of a bad credit payday loan?

    • Apply without a checking account. Most lenders require you have a checking account when you reply because they use it to deposit your funds and withdraw your payments. However, you can find some lenders that offer cash loans to customers without bank accounts.
    • Apply if you’re unemployed. Some payday loan lenders will consider you for a loan if you’re unemployed, as long as you’re receiving some sort of income, such as government benefits or income from pension.
    • Quick turnaround. When you apply, you can have your loan deposited into your bank account in as little as one business day. If you opt for cash pickup, you may be able to get your funds on the same day.

    What to watch out for

    • High interest. Lenders charge borrowers with bad credit higher interest rates. Because of this, payday loans may not be legal in your state. If they are, you could have to pay APRs well above 300%.
    • Disreputable lenders. Not all lenders follow state laws. Check to make sure yours is licensed, clearly outlines its terms and isn’t a scam.
    • Short repayment terms. Payday loans are known for being costly because of their quick repayment schedule. Many are due within two to four weeks of being borrowed, so you’ll need to be sure you can afford it before you borrow anything.

    What other options do I have for a loan?

    Payday loans aren’t the only option for borrowers with bad credit. These other loans could be helpful for you if you need money.

    • Auto title loans. If you have a car, you could use your title as collateral for a loan. This results in a lower interest rate, but you run the risk of losing your car if you can’t afford to repay what you borrow.
    • Installment loan. Installment loans last longer than payday loans. If you know you won’t be able to pay back your loan in a few weeks, this may be a better option. However, you may end up paying more over the long run.
    • Personal loans. Personal loans are harder to get if you have bad credit, but they offer the best terms as far as interest goes. However, you’ll likely need to borrow more money at once to receive financing.
    • Payday alternative loans. Payday alternative loans are offered by credit unions. They are one of the best options for borrowers in need of short-term financing, but they can be harder to qualify for than other types of loans.

    Browse your other alternatives to payday loans

    4 steps before you apply for a payday loan

    When you’ve decided to take out a payday loan, make sure you follow these four steps to reduce your chances of rejection and to be sure you’re getting an affordable deal.

    1. Compare your options. It’s important to compare payday loan lenders before you settle on one. You’ll want to look at the loan amount, repayment terms and the total cost in order to find a loan that meets your needs.
    2. Review the eligibility criteria. While these lenders do accept applicants with bad credit, they still have minimum requirements that need to be met.
    3. Only borrow what you can afford. Although lenders can’t offer you more than you can pay for, the terms may still be difficult if the repayment period is too short. You should determine what you can manage and find a loan that works with your budget.
    4. Budget to cover your payments. When you’re approved for a loan, your repayments will generally start on your next payday. Make sure you’ve budgeted to cover the added expense.

    What do I need to apply?

    Most lenders require you to at least be 18 years old, a US citizen or permanent resident and have a steady source of income. Beyond that, you may need to provide some of the following information whether you apply online or in-store.

    • A valid form of ID
    • Your contact details
    • Proof of income
    • Your bank account details

    Are payday loans available in my state?

    Bottom line

    A payday loan can be a good option if you’re facing an unexpected expense and have bad credit. However, high costs and quick turnaround may make one difficult to afford. Before you jump into a big loan decision, compare more payday loan options to find one that fits your needs.

    Frequently asked questions

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    20 Responses

    1. Default Gravatar
      CatheyAugust 2, 2018

      I recieve a benefit check each month and work full time.I live in Arkansas and need to know if I can get an installment loan.My credit score is only 517. I need a loan desperately to get my bills caught up Any advise?

      • finder Customer Care
        joelmarceloAugust 3, 2018Staff

        Hi Cathey,

        Thanks for leaving a question on finder.

        If you have low credit since and you are from Arkansas, the only lender who can help you is To start your application, please click HERE.

        To be eligible for this loan here are the criterias:
        – Be at least 18 years old.
        – Provide proof of citizenship, such as a Social Security number, or legal residency.
        – Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.
        – Have a checking account in your name.
        – Provide work and home telephone numbers.
        – Provide a valid email address.

        Since you receive pension, whether it’s an employer retirement benefit or Social Security, you are eligible for loans HERE.

        Once you have decided on the suited loan for your needs, you may click on the green ‘Go to site’ button to submit your application or know more about the loan offer.


    2. Default Gravatar
      RhondaJuly 23, 2018

      I have very bad credit and receive SSI benefits.Every place keeps deny me. I am looking for a installment loan of $500 for a emergency situation. I have direct deposit, could you point me in the right direction plz?

      • finder Customer Care
        joelmarceloJuly 24, 2018Staff

        Hi Rhonda,

        Thanks for leaving a question on finder.

        If you rely on a pension, whether it’s an employer retirement benefit or Social Security, you may find your loan options somewhat limited. That’s because many lenders require you to have a steady job to be eligible.

        You do have some options, however. We take you through what those are and show you how to compare these options so you can choose the right loan for you. Please click HERE to compare and be guided.


    3. Default Gravatar
      KrystinJanuary 1, 2018

      Hello, I have a few questions about a payday loan. My credit isn’t the best. Which site is the best legitimate one to use?

      • finder Customer Care
        RenchJanuary 1, 2018Staff

        Hi Krystin,

        Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

        You’re actually already on the correct page for payday loans for people with bad credit. Please select your state and it will show you a list of loans that you can compare.

        Please click the name of your preferred lender to find out the details and the minimum eligibility. You may then click the green “Go to Site” button to submit your loan application online.

        We cannot recommend a specific loan or what is the best. All loans that are listed on our site are legit and safe.

        Best regards,

    4. Default Gravatar
      AliciaAugust 17, 2017

      How can I get a loan with bad credit and no bank account. I get SSI monthly on a debit card direct deposit.

      • Default Gravatar
        ArnoldAugust 18, 2017

        Hi Alicia,

        Thanks for your inquiry.

        No bank account? No problem. Get a loan without a checking or savings account. Please check out this page.

        Hope this information helped.


    5. Default Gravatar
      PatriciaJuly 24, 2017

      I don’t have a bank account, but I have a prepaid debit card all I need is $100.I do recieve SSI each month, I have direct express. Can I please get help with a loan

      • finder Customer Care
        HaroldJuly 24, 2017Staff

        Hi Patricia,

        Thank you for your inquiry.

        You may want to consider a prepaid debit card payday loans. You can loan from a minimum amount of $50, but please keep in mind that the max loan amount may vary depending on the lender. You can review and compare your options here.

        I hope this information has helped.


    6. Default Gravatar
      SueJuly 10, 2017

      Is it possible to get a loan after bankruptcy without waiting 2 yrs

      • finder Customer Care
        HaroldJuly 10, 2017Staff

        Hi Sue,

        Thank you for your inquiry.

        During your bankruptcy or after you’re discharged, you may find yourself in need of a loan. But are there lenders who’ll be willing to consider you for a second chance. You may want to consider the options available here.

        I hope this information has helped.


    7. Default Gravatar
      MarthaJuly 8, 2017

      I have a money is on a card from my job..I DO NOT HAVE MT OWN PERSONAL Account with this company except a prepaid card separately from this job..but I would prefer for the money to come from my jobs Debit card account set up from me to guarantee that the pay day loan is paid weekly from my job…can I get a loan with this information? Please help me to stop putting in all my personal information to these loan companies please.

      • finder Customer Care
        AnndyJuly 8, 2017Staff

        Hi Martha,

        Thanks for your question.

        The lenders on this page may consider you for a loan even if you don’t have a personal bank account.

        Before submitting your application, kindly review the eligibility criteria of the loan and check with the lender if the particular prepaid card you have meets their criteria.


    8. Default Gravatar
      SandraJune 12, 2017

      I need a loan without a checking account I have a prepaid card.

      • finder Customer Care
        HaroldJune 15, 2017Staff

        Hi Sandra,

        Thank you for your inquiry.

        Most lenders require that you have a checking account, as this makes it easy to check your credentials. However, you can find some lenders that offer cash loans to customers without bank accounts. You can check the list of offers here.

        I hope this information has helped.


    9. Default Gravatar
      JerryApril 30, 2017

      I have a tax garnishment on my pay check with approximately $900 left to can I get a small emergancy payday loan on a New Visa gold card or new netspead Master card Debit card with no checking account

      • finder Customer Care
        HaroldJuly 5, 2017Staff

        Hi Jerry,

        Thank you for your inquiry.

        Here’s how you can get an emergency loan.

        I hope this information has helped.


    10. Default Gravatar
      TerryApril 24, 2017

      Where do I get a loan with no bank account or with a prepaid card from Rush?

      • finder Customer Care
        HaroldJuly 6, 2017Staff

        Hi Terry,

        Thank you for your inquiry.

        Here’s an option where you can check the list of lenders that allow’s borrower even without a bank account.

        I hope this information has helped.


    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    Go to site