You may believe you can only get a loan if you have fair to good credit. However, there is a financial option for borrowers that can help to make approval easy even if they have bad credit or no credit. At Fast Payday Loans, Inc., we provide financial resources that can help with a payday loan regardless of your credit score.

A payday loan is a short-term loan that bridges the gap between one paycheck and the next. When unexpected expenses arise, a payday loan benefits you by helping you stay on track with your bills and address the financial emergency that has presented itself.

Your Credit Score Isn't A Problem 

For this type of loan, we base our approvals on other factors rather than your credit score. The most important factor in payday lending approval is your income. We want to know that you have the income to pay the loan back. Our decision is determined by your ability to pay back the loan.

We don't need to run your credit score because this loan is so short-term. The nature of this loan allows payday lenders like us to skip past the deep dive into your personal credit history. It also means the applications and approval processes do not take long to complete. So, when you are looking for fast payday loans no credit check, we have you covered.

What You'll Need To Qualify For These Short-Term Loans

When it comes to cash advance payday loans, our representatives at Fast Payday Loans, Inc. know you need extra cash fast. All our staff members are highly trained to help you through the quick process and answer all your questions quickly. Most of our clients get their cash advance funds the same day they qualify for the loan.

You only need a few items to present during your application process. You must have your state-issued photo ID or driver's license, a blank check from your active checking account, and your last pay stub. You must also be at least 18 years old to qualify.

FAQs About Payday Loans

How Much Can I Borrow?

In Florida, payday loans are capped at $1,000, as determined by state laws. You should borrow only what you need to cover unexpected expenses, like car repairs or medical bills. Since repayment is linked to your income, the approval process ensures you won’t borrow more than you can handle. For more information about state-specific limits, visit our website.

A payday loan is meant to be an "as-needed" option to help in times of financial struggle. You also will not be approved for more than you can afford to pay back with your next paycheck. Your approval is determined by your income level.

Do Payday Lenders Report To The Credit Bureaus?

Just as we do not use your credit score as a determining factor in our approval decision for a payday loan, we also do not report to any credit bureaus or agencies about your account with us.

A payday loan does not affect your credit. That's not to say that it won't affect decisions made by other lenders. It's up to each lender's guidelines whether they would consider a payday loan when making determinations for borrowing.

What If I'm Late Repaying My Loan?

Even if you're late on your loan repayment, we won't report that, so it will not affect your credit score. If you know you are going to be late, you should contact us to speak to a representative who can help you establish a good timeline for getting the loan repaid.

While it won't affect your credit score, it could affect any future approvals for payday loans when you are late in paying your loan back or you don't pay it at all. That's something to keep in mind so you have this financial option available when you may need it again.

How Do I Repay My Loan?

You can repay the loan online. It's usually due on your next payday, however, you should check with your loan specialist about the terms of your specific loan. If you need more time to get the money together for the payment, contact your loan representative for help.

How To Get A Payday Loan Online

You have the option to complete your application process without going to one of our store locations. If you'd rather do an online payday loan, it's quite similar to the standard payday loan. The big difference when you get a payday loan online, and one of the added payday loan benefits, is you don't have to come to one of the physical store locations.

You'll submit your inquiry information online from home, be sure it is accurate to avoid any delays and speak to a representative who has read and reviewed your documents and situation, they will then decide on your approval. Once you're approved, the specialist will review the the loan offer, terms, fees, and interest rates, and get everything finalized. Your funds will then be deposited either that day or the following business day.

No Need To Wait! Take Advantage Of The Payday Loan Benefits Today

If you want to explore your personal loan options with fast payday loans no credit check, go to the top of one of our website pages and fill out the short inquiry form. You can submit that and we will contact you shortly after it's received to offer some guidance.

There's no need to allow your finances to get off track because of unexpected expenses. If you have a job and need a little extra cash without worrying about your credit score, let's get you on your way to getting the help you need today with our cash advance payday loans.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.