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If you have bad credit, and you’re wondering what your options are for a short-term emergency loan, you may be considering a payday loan. But can you really get a payday loan with bad credit – or even no credit? Read on to find out the answer!

Yes – You can really get a payday loan with bad credit

First, let’s answer your question. Yes! Payday loans were designed specifically to be used by individuals with sub-par credit scores. If you have a bad credit score, you can still get a payday loan from just about any payday lender. There is no collateral required. Most lenders do not even check your credit score.

This is because, compared to a more traditional loan, payday loans have a higher APR – and are issued for a shorter time period. Because of this, payday lenders can afford to lend out cash to riskier borrowers – even without a background check or a credit check. That means that, even if your score is extremely low due to past financial difficulties, you can still get a loan from a lender like Mypaydayloan.com.

Get a loan with Mypaydayloan.com – Meet our 3 requirements

So, if you don’t need a good credit score to get a loan from Mypaydayloan.com, what do you need? Good question! We have only 3 requirements from our applicants.

  1. You must be a legal US resident and be over 18 years old. We cannot offer loans to non-residents, or to minors.
  2. You must have an open and active checking account, into which we can deposit your loan.
  3. You must be currently employed, and you must have some kind of verifiable income.

If you meet these three requirements, we will be able to provide you with a payday advance online, based on your income and other factors.

Apply with Mypaydayloan.com now to get started

We offer immediate, 24/7 approvals, and with our instant same-day cash deposits, you’ll be sure to get your money within just one business day. So, don’t wait. Get started now, even if you have bad credit. If you have more questions, take a look at our FAQs and Requirements.

Next Day & Same Day Funding cut-off times:

  1. If your payday loan application is received and approved prior to 11:40 a.m. EST Monday through Friday, you should receive the funds the same day by 5:00 p.m. your time (If same day funding requested)
  2. If your payday loan application is received and approved after to 11:40 a.m. EST Monday through Friday, you should receive your funds by the next business day.
  3. If your payday loan application is received and approved Saturday or Sunday, you should receive your funds Monday or the next business day by 5:00 p.m. your time (If same day funding requested)
  4. If your payday loan application is received on a bank holiday, your application will be reviewed and approved the next business day.

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