Payday Loans: 5 Best Payday Loans Online with No Credit Check and Instant Approval in 2022

Payday loans are an accessible form of finance that can come in handy in a number of situations. They help provide short-term financing boosts to consumers across the country. Although no credit check payday loans are not always possible due to lending regulations and certain affordability criteria, there are still several providers who can obtain these short-term loans quickly and easily.

This article first discusses whether the best payday loans available online with no credit check and instant approval are available in the US before reviewing the top five loan providers in the market today.

Best Online Payday Loans With No Credit Check And Instant Approval In 2022 – Quick Overview

Below are five of the best alternatives to small online payday loans with no credit check:

  1. Viva payday loan- Overall Best Online Payday Loans with Instant Approval in 2022
  2. heart paydays – Reputable payday loan provider with a smooth funding process
  3. credit clock – Online payday loans with same day financing
  4. moneylender – Best alternative to payday loans with no credit check
  5. Very happy loans – User-friendly online payday loan provider

Online payday loans without a credit check and instant approval: general eligibility criteria

As mentioned in the introduction, no credit check online payday loans are not fully possible in the US due to the regulatory framework that governs the lending industry. However, here are some general eligibility criteria to consider when applying for other types of payday loans:

  • Be at least 18 years old
  • Resident in the USA
  • Do you have a checking account
  • Can provide proof of address
  • Can provide proof of identity
  • Can show regular income

5 Best Online Payday Loans With No Credit Check And Instant Approval – Detailed Overview

If you are in the small payday loan market online without a credit check, it may not be possible due to US regulation. However, below are five of the best short-term loan providers on the market, all of which are streamlined ways to match you with a reputable lender.

1. Viva Payday Loans – Overall best online payday loans with instant approval

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Leading the payday loan providers is Viva Payday Loans. Viva Payday Loans is a new platform that aims to seamlessly match borrowers and lenders and offer a fully digital application process with no paperwork.

There are also no phone calls and no fax requirements as Viva Payday Loans offer APRs ranging from 5.99% to 35.99%. The platform works with funding amounts ranging from $100 to $5,000, with no upfront fees or costs to consider.

Interestingly, Viva payday loans offer repayment terms from 2 to 24 months, making it easy to find a loan structure that suits your unique financial situation. Finally, all FICO scores are welcome to apply to Viva Payday Loans, with a dedicated support team to help you with any issues that may arise.


  • All FICO results are welcome
  • No paperwork required
  • Dedicated support team


  • Not available in certain US states

Click Here To Request Money From Viva Payday Loans Now >

2. Heart Paydays – Reputable payday loan provider with a smooth funding process

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Another fast payday loan provider to keep an eye on is Heart Paydays. Similar to Viva Payday Loans, Heart Paydays connects lenders and borrowers through an easy-to-use online platform with amounts up to $5,000 available to request.

The great thing about Heart Paydays is that funding can be in your account the same day, with repayment terms ranging from 2 to 24 months being offered. Heart Payday’s loans are also accompanied by APRs that range from 5.99% to 35.99% and do not require excessive eligibility criteria – making them ideal for people who need financing immediately.


  • Flexible repayment terms
  • Same day financing available
  • User-friendly online platform


  • The lender may request further checks

Click here to request money from Heart Paydays now >

3. Credit Clock – Online payday loans with same day financing

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Credit Clock is a platform that offers fast payday loans online through a hassle-free portal. The platform has a handy credit structure calculator on the homepage that allows you to customize the cash amount and repayment period to suit your needs.

The application process with Credit Clock only takes about two minutes, and decisions are often made within minutes. Although credit checked loans may not be available in the US due to regulations, Credit Clock makes sure the application process isn’t excessive – and you might even be able to get the money the same day.


  • The application process takes two minutes
  • No exaggerated admission criteria
  • Useful credit structure calculator


  • The repayment periods are a maximum of six months

4. Money Lender Squad – Best no credit check payday loan alternative

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Money Lender Squad is a platform that allows you to get quick short-term financing in a secure environment. Similar to the other platforms on the list, Money Lender Squad’s application process can be completed online and typically results in a loan decision within minutes.

Although the decision rests with the end lender, Money Lender Squad offers financing amounts ranging from $100 to $5,000. The APR can be as low as 5.99%, although in some cases it can reach 35.99%. Finally, Money Lender Squad can also help facilitate same-day payments in certain circumstances, making it one of the most efficient platforms on our list.


  • Can facilitate same day payments
  • APR starts at just 5.99%
  • The application process only takes a few minutes


  • Lenders may require additional affordability criteria to be met

5. Very Merry Loans – User-friendly online payday loan provider

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Rounding out our list of payday loan providers are Very Merry Loans. As the name suggests, Very Merry Loans is a platform focused on facilitating payday loans and bringing lenders and borrowers together online. Although the APR can vary from lender to lender, Very Merry Loans helps make the process cost-effective by charging no registration fees.

Very Merry Loans also offers loan amounts up to $2,000, with certain lenders offering same-day payments. The platform also has a dedicated customer support team that is available both weekdays and weekends, so you can always get help when you need it. Finally, Very Merry Loans even offer flexible repayment periods of up to 12 months.


  • The support team is available seven days a week
  • Flexible repayment periods
  • No registration fees


Online Payday Loans With No Credit Check And Instant Approval: Features And Factors To Consider

Finally, let’s briefly discuss some of the most attractive features of online payday loans with no credit check and instant approval that are worth keeping an eye on:

No paperwork in the application process

All platforms mentioned in this article offer fully digitized application processes, so you can apply with your laptop, smartphone or tablet. No physical paperwork is required, so you can quickly apply for a loan from a variety of providers. As such, they offer a viable alternative to online payday loans with no credit checks and instant approval.

Can get a credit decision in minutes

Because of the close relationship between the platforms in this article and their partner lenders, you can often get a decision within minutes. So, although they do not offer quick payday loans without special credit check, these platforms can still facilitate quick lending through their online portals.

Bandwidth of funding amounts

Since small online payday loans without a credit check in the US are generally not available, as a credit check is required during the application process, the providers listed above offer an alternative route to flexible financing. Many of the providers offer amounts ranging from $100 to $5,000 to ensure you get the exact amount you need.

In summary, this article has taken an in-depth look at the best online payday loans with no credit check and instant approval platforms before introducing some exciting alternative platforms that can help you get short-term financing quickly and easily.

The recommended choice in this area of ​​the market is Viva Payday Loan, which offers fast financing along with flexible repayment terms and support for all FICO scores.

What Are The Best Payday Loans With No Credit Check?

The best no credit check loans are not available in the US because a credit check is required during the application process. However, Viva Payday Loan is a viable alternative and offers fast payday loans with a credit decision in minutes.

Can I get a payday loan without a credit check?

Obtaining one of the best payday loans online without a credit check and instant approval may not be possible in the US due to industry regulations. In addition, lenders may also require certain affordability criteria to be met before offering a payday loan.

Is It Easy To Apply For Payday Loans With No Credit Check?

Payday loans without a credit check providers usually offer fully digital application processes, so you can apply for payday loans in minutes – and usually get a credit decision the same day.

What interest rates are offered for no credit check payday loans?

The best no credit check loans may only be available in other regions of the world; However, all of the loan providers discussed in this article offer APRs ranging from 5.99% to 35.99%.

Disclaimer – The above content is non-editorial and Economic Times hereby disclaims all warranties, express or implied, with respect thereto and does not guarantee, vouch for, or necessarily endorse the content. The verified credit websites are credit matching services, not direct lenders, so they are not directly involved in accepting your loan request. Applying for a loan through the websites does not guarantee acceptance of a loan. This article does not contain financial advice. Please consult a financial advisor if you require financial assistance. Loans available to US residents only.

About Stephanie McGehee

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