Cash Loans | 5 Best Payday Loans Bad Credit & No Credit Check



Sometimes there’s a bit more month than money and when that happens, what do you do? Financial shortfalls are a fact of life for many people, and if you’re one of those people, you’re bound to be on the lookout for Payday Loans Bad Credit or similar to get you to your next paycheck. While many online cash loans are available, how do you sift through them to find the best? How do you know which cash advance loans are worth your time and which are just financial traps? In this guide, we will present the best cash loans available in 2021 so that you can make an educated decision when choosing between direct lenders Payday Loans Bad Credit

#1 Cash Loan in 2021 – Credit Clock

Best Cash Loans in 2021 – Quick Pick

  • Credit Clock – Good for Fast Cash loan up to $5,000. Visit now.
  • Money Lender Squad – Good for no Credit Checks. Visit Now.
  • Very Merry Loans – Good for Same Day & fast Payouts. Visit now.
  • Viva Payday Loans – Good for Guaranteed Approvals. Visit Now.
  • Heart Paydays – Good for Unemployed Loans. Visit now.

What are Cash Loans?

Cash loans are typically small lump sums of money provided to a borrower by a direct lender. The borrower must prove eligibility for the loan, and if granted, the amount is paid over into their bank account. US cash loans are usually paid back on the borrower’s next payday unless negotiated a longer loan term. Quick cash loans of small amounts to be paid back within a few weeks come with higher interest rates attached.

How to Qualify for Cash Loans

While the qualifying criteria for cash advance loans and instant cash loans differ from one lender to the next, there are general requirements for acquiring such a loan. These are as follows:

  • 18 years of age, at least.
  • United States citizen with a valid Social Security Number.
  • Active US bank account (with e-commerce capability).
  • Employed with a monthly income or proof of alternative income.
  • Employment contract must be valid and not due to expire soon.
  • Valid identification.
  • Proof of address.

Most direct lenders offering fast cash loans will base their decision on your paycheck and an affordability assessment (income vs. expenditure), so your credit score is not ultimately important.

Common Uses of Cash Loans

What do most people use cash loans for? You might be wondering if your reasons for wanting access to quick cash loans are valid. Most direct lenders will not require a run-down of what you plan to spend the money on, but most people use quick cash loans for the following reasons:

Getting Out of a Sticky Financial Situation

Low incomes and rising expenses often lead to financial shortfalls, and it’s completely normal for people to find themselves in a sticky financial situation at some point in their lives. Whether you’ve been met with an unexpected expense or simply overspent when you received your last paycheck, quick cash loans can provide the needed relief when you’re in a sticky financial spot.

Unexpected Expenses

Budgeting from one paycheck to the next has become the norm for the average American. We plan the spending of every last penny, and when an unexpected expense comes along, we’re flabbergasted! What now? Well, that’s where cash loans come in handy. With online cash loans quickly and conveniently at your disposal, you can pay the mechanic to fix your car, fix a household appliance, buy your child a birthday gift, or pay for an unforeseen medical expense.

Building a Better Credit History

Getting bank loans, store credit, and simply opening an account somewhere requires a good credit history. If your credit history is less than stellar, you might cringe at the thought of institutions digging around in it. This is where you can use cash advance loans to your advantage. You can apply for fast cash loans with no credit check and expect to receive the funds quickly. Once you receive the funds, repay the loan as per the loan terms.

Best Cash Loans Near Me – Fully Reviewed

Not all cash loans are made equal – that’s something to remember. Below is a full review of each of the top cash loans available on the market in 2021.

1. Credit Clock – Good for Flexible Loan Amounts up to $5,000

Credit Clock is a go-to provider of fast cash loans to all, even the unemployed or those with bad credit or no credit to speak of. The lender’s slogan “Tick tock, it’s loan o’ clock” already gives a sense that they know time is of the essence when you apply for instant cash loans.

  • Flexible loan amounts from $100 to $5,000
  • Same day payouts
  • No guarantor lending
  • Flexible repayment terms

Credit Clock is a new kid on the block for fast cash loans, but that doesn’t mean they have any less to offer you than the more established direct lenders. This particular lender emphasizes quick decisions, ensuring that borrowers get the money they need fast. The APR ranges from 5.99% to 35.99%. The company itself is not a lender but rather a well-positioned broker in the loans industry. What does that mean? It means that when you apply for online cash loans via the website, you’re put in direct contact with lenders who are willing to assist you.

Most of us are of the mindset that nothing in life is free, and for the most part, that’s true. At, you will be presented with options and connected with direct lenders absolutely free. The only financial exchange that will happen is between you and the lender when you set up your instant cash loans contract. offers a free loan matching service to the borrower.

There’s no check on your credit profile, which won’t be the case if you approach individual lenders separately, requesting a loan.

What’s more, is that the quick and easy online application process will take just a few minutes of your time to complete, and you will know the outcome of your application within just two minutes – it seems takes quick payouts of their instant cash loans seriously.

You can repay cash loans between three and twenty-four months at Credit Clock. Of course, each lender has its own loan terms in place, so it’s best to negotiate a realistic and affordable loan term directly with the lenders you are matched with when using the service.

Bad credit borrowers and people with no credit will like the fact that lenders on the panel are more interested in your ability to afford the loan now than your financial history. If you can prove you receive suitable regular income and can afford the repayments, your credit score will often not even come into it.

As a borrower, it would be nice to know that CreditClock.Net could offer you a guaranteed low interest rate on online cash loans, but that’s not the case. As with all brokers, they cannot guarantee the interest rate. But it is worth noting that the lenders working with CreditClock.Net offer APRs between 5.99% and 35.99% and often lower their rates to keep their offers competitive.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 3 – 24 Months *****


    • Flexible repayments
  • Free service to borrowers
  • Bad credit borrowers welcome


    • Low interest rate not guaranteed

Overall, Credit Clock is a viable option for those who need cash in a hurry. The platform offers genuinely instant cash loans by honoring their promise of paying out on the very same day or within 24 hours. It seems like a great option to go with for those who need cash loans with no credit or those who have bad credit!

2. Money Lender Squad – Good for No Credit Checks

Money Lender Squad is one of the easiest online cash loans platforms to use when you’re in a hurry for cash. You will undoubtedly come across the online lending portal when searching for cash loans near me. provides a quick and easy-to-complete online application form and connects with direct lenders that offer no guarantor loans as well as no checks on credit – what’s not to love!

  • Online application takes just a few minutes
  • Loans of up to $5,000 even with bad credit
  • 24-hour max payout period
  • Flexible repayment periods
  • Up to 24 months to pay

Nothing is worse than needing cash in a hurry, and all you can get is a couple of hundred bucks. What if your expenses require more than just a few hundred dollars? At, you can get cash loans of between $100 and $5,000, so there’s something for everyone. Of course, you should be realistic when requesting a loan because if you aim too high and the lender thinks you can’t afford it, they won’t approve the loan.

Privacy and security when using online financial services to apply for online cash loans are at the forefront of everybody’s minds – including Money Lender Squad’s. When dealing with, they guarantee a safe and secure experience by using advanced encryption technology. You can find their privacy policy easily on their website and have total peace of mind that your transactions and data are safeguarded.

When using the platform to find suitable direct lenders to deal with, you will be pleasantly surprised at just how easy and intuitive their website is. Input your particulars, select the amount you wish to loan and the required loan period and click “Get Started.”

When financial emergencies strike, there’s no time to wait around for lengthy approval and payout periods. When using, you are put in contact with direct lenders most likely to approve and pay out fast cash loans.

Of course, you will need to provide further details, but the entire process takes several minutes – that’s all!

If you meet the eligibility criteria and have the supporting documentation, you can expect to have the money paid into your bank account within 24 hours (but most likely within 60 minutes).

If a lender can help you, you elect to be transferred directly to their site, where they will finalize the loan terms and details with you. Then, all that’s left to do is sign your agreement and wait to get the cash paid directly into your bank account. And you can do all of this from your couch as the company deals with online cash loans.

While offers interest rates of between 5.99% and 35.99%, it is the lenders on their panel to make a final decision regarding the interest rate you will be offered. Interest rates may be based on affordability, the amount and term requested, and your past credit history.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 3 – 24 Months *****


    • Quick decisions
  • Decent loan amounts
  • Top notch privacy and security


If you are looking for cash loans with same-day approval and peace of mind that your data is protected, is just the right platform for you. You will undoubtedly appreciate the easy-to-use online application process and enjoy the fast payouts too.

3. Very Merry Loans – Good for Same Day Fast Payouts

Very Merry Loans provides much-needed relief to Americans tired of traditional bank loans’ lengthy and frustrating process. Instant cash loans are genuinely instant at Very Merry Loans, and you will find the application and approval just as quick and easy. The company acts as a broker, connecting borrowers to lenders most likely to approve their loan requests. The best part of dealing with is that their service is free to you.

  • Get cash in 60 minutes from approval
  • Bad credit and no credit borrowers are welcome
  • Brilliant option for building a better credit history

Applying for cash advance loans with Very Merry Loans is a simple process. The application form is self-explanatory and takes just a few moments to complete.

If you’re in a hurry for cash, Very Merry Loans won’t keep you waiting. When they speak of instant cash loans, they mean it! The entire process from application to approval can take just a few minutes, and the amount is paid out on the same day.

Many bad credit and no credit borrowers worry that they may misuse cash loans when intending to build credit with them. To ensure that you don’t get trapped in a cycle of debt, only provides loans of $100 to $2,000 that can be paid back over 2 to 24 months. Small amounts mean less risk to you, and if you handle the account properly and pay according to the agreement, you can improve your credit score along the way.

Borrowers with no credit or those who would prefer no check on their credit profile will appreciate the non-invasive process offered by the company. So, if you don’t want financial institutions poking around your credit history, opting for cash loans via Very Merry Loans is a good option. That means no check on your credit profile! The lenders on’s panel don’t use credit checks for their decision-making. Instead, they consider your income, calculate your expenses and determine if you can realistically afford the loan.

The only hold-up you can expect regarding your approval and payout of instant cash loans is if you don’t have your supporting documents handy for verification purposes.

You must be 18 years of age, earn a regular income, and have proof of ID, address, and American citizenship. It’s also great that you can loan between $100 and $2,000 with 2 to 12 months to pay. Like most broker sites, the interest rate can vary from lender to lender between 5.99% to 35.99%.

Because the cash loans are small, you might be tempted to try to take out several loans at the same time. This is unfortunately not possible. You can only take out one loan at a time when making use of the Very Merry Loans service.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


    • Fast cash
  • Excellent for credit building
  • No credit check

If it’s a quick online application you’re looking for and need instant cash loans that pay out immediately, Very Merry Loans is your best bet. This brokerage focuses on matching borrowers with lenders most likely to approve their loan, so there’s no waiting around and time wasting.

4. Viva Payday Loans – Best for Guaranteed Approvals

Viva Payday Loans is a good US cash loans all-rounder known to be great for guaranteed approvals. If you meet the minimum borrowing criteria, there’s every reason to believe that Viva Payday Loans will pay out the cash you need on the very same day.

Viva Payday Loans has a reputation for having one of the fastest approval and payout processes for quick cash loans online. If you have a few moments to spare, you can complete the application process on their website. Once you submit the application, approval is provided in as little as just two minutes. As soon as you receive approval, you will know which lenders can assist you with your loan and be sent directly to their website. The agreement is between you and the direct lenders, meaning that the Viva Payday Loans service is absolutely free to you. Once your supporting documents are sent and verified, the loan is approved and then you wait just 60 minutes to get your payout. In some instances, it may take a bit longer but never more than 24 hours.

  • Guaranteed approvals for eligible applicants
  • Affordable loan repayments
  • Bad credit borrowers welcome
  • Same day payout (often just 60 minutes)

Everyday Americans are struggling to make ends meet, and if you’re one of them, there’s no need to worry too much. With the lenders on the Viva Payday Loans panel, you’re almost guaranteed of getting the cash you need. And what’s more is that you will get it within 24 hours of approval – often far sooner!

To qualify for cash loans near me with Viva Payday Loans, you must be of age (that’s 18 years and above), you must earn a regular income, and you must be able to afford the loan repayments. You will need to provide supporting documents such as your US ID, proof of address, and your pay stubs. Qualifying for instant cash loans with is that easy.

Many people with a bad credit score don’t apply for cash advance loans because they assume their credit score is the be-all-and-end-all of the decision-making process. The fast cash loan providers on Viva Payday Loan’s panel of lenders don’t emphasize the importance of a great credit score. Instead, they take your current earnings and monthly expenses into consideration. If you can realistically afford the repayments of your requested loan, you’re eligible for cash loans!

If you need bridging cash to get you to your next payday, fast cash loans that you can repay on your next payday are available. But, if you need to borrow a more substantial amount, you don’t have to worry about paying it back immediately. Viva Payday Loans offers 2 to 24 months to pay, so you can select the repayment period and then negotiate what’s most suitable with the direct lenders that show interest in helping you.

Sadly, Viva Payday Loans does not operate in Arkansas, New Hampshire, New York, Connecticut, Montana, Minnesota, South Dakota, Indiana, and Virginia.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


    • Super-fast approval and payout
  • Having poor credit won’t affect your application
  • 2 to 24 months to pay


    • Viva Payday Loans doesn’t service some US states

Viva Payday Loans is an excellent option when looking for online cash loans that payout quickly and come with no hassles and red tape attached. Viva Payday Loans is a great all-rounder and the go-to for many people when it comes to US cash loans.

5. Heart Paydays – Good for Unemployed Loans

Think again if you’re one of the many Americans who believe they cannot get quick cash loans because they don’t have a traditional job. Heart Paydays is known to put borrowers in touch with direct lenders known for approving unemployed cash loans. If you meet the minimum criteria and have some form of regular income that you can prove, you are eligible for a loan with Heart Paydays, even with no guarantor.

  • Free no-obligation eligibility check
  • No hard check on credit record
  • Many income types considered (and accepted)

If you need a decent amount of cash to get you through a rough patch, pay for costly vehicle repairs, or redo a section of your home, you only need to look as far as Heart Paydays. Fast cash loans range from $100 to $5,000 with 2 to 24 months to pay.

Gone are the days where you needed a traditional job to get fast cash loans. Earning income is just not the same as it used to be. You may be considered “unemployed” if you don’t have a job, but perhaps you earn income from other streams. Perhaps you have a side hustle, your own business, or live off dividends, rental income, or freelance income.

It’s great that you don’t have to provide a traditional pay stub if you don’t have an employer. Heart Paydays understands that earning an income comes in many different forms. As such, they offer cash advance loans to unemployed people who earn at least $1,000 per month through alternative means. If you can prove this, then instant cash loans are just a few clicks away. Simply fill out the online application form and wait a few moments to receive approval – simple as that. Make sure that you have your verification documents handy when you apply to speed up the disbursement process.

No one wants to spend hours waiting in a queue at a storefront or filling out a lengthy online application form filled with red tape and confusing terms and conditions to get access to cash advance loans. At Heart Paydays, the online form takes just a few minutes to complete with your personal particulars. Then, when the loan agreement is signed, the direct lenders will ensure that you understand all of the terms and conditions before the loan is activated. Simple, right?

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


    • No traditional job required for approval
  • Decent loan amounts
  • Simple and fast online application


    • Minimum income must be $1,000

All in all, Heart Paydays is a great option for people who have an income of no less than $1,000 per month. What’s great is that you don’t have to have a traditional job to apply, and you can expect the cash to be paid out on the very same day that your loan is approved. If you apply early enough in the day (on a business day), you should expect payment before the day is over.

Types of Cash Loans

There seem to be cash advance loans for all types of situations and scenarios in the US. The following types of cash loans are available in 2021.

Bad Credit Cash Loans

Bad credit loans are loans that are granted without taking the borrower’s credit score into consideration. With these types of quick cash loans, affordability is more important than the credit score.

Get a Bad Credit Cash loan here >

No Credit Check Fast Cash Loans

No credit check loans are cash loans that are considered and approved with no check on the borrower’s credit record. With these loans, direct lenders scrutinize the borrower’s income vs monthly expenses to determine if they can afford the loan.

Get a No Credit Check Cash loan here >

Instant Cash Loans with Car Title as Collateral

Car title loans are secured loans where the borrower’s vehicle is used as collateral. The lender places a lien on the car title and the borrower temporarily surrenders the hard copy of the vehicle’s title to the lender in exchange for cash loans.

Get a Instant Cash loan here >

Online Cash Loans for the Unemployed

Unemployed loans are cash advance loans offered to people who don’t have a traditional job but do have an alternative income source. Most lenders require an income stream of at least $1,000 and it must be regular.

Get a Unemployed cash loan here >

Instant Cash Loans for Students

Student loans are available to students who have a regular income stream. Acceptable income is through part-time work, allowance, or trust. Cash loans are typically provided to students who can prove they can afford the monthly instalments.

Get a Student cash loan here >

Veterans Cash Loans

A veteran loan or VA loan is a mortgage loan provided through a program in place by the US Department of Veteran Affairs. This loan type allows veterans to purchase homes with minimal or no down payment and without private mortgage insurance. Veteran loans have competitive interest rates.

Get a Veterans Cash Loan here >

Cash Loans for Home Purchase

Home purchase cash loans are large lump sums provided to borrowers who wish to purchase a property. Home loans are different to instant cash loans in that they are typically repaid over 15, 20, or 30 years.

Get a Home Purchase Cash loan here >

Cash Loans for Rent

Rent loans are loans granted to individuals who have fallen behind on their rental payments. If you’re going to be late on your rent and need a bit of bridging cash to get you to your next pay day, instant cash loans are an option.

Get a Rent Cash loan here >

Cash Loans for Those on benefits

Benefit loans are available to individuals who need a bit of bridging cash. Most lenders will stipulate those benefits can’t provide more than half of your income in order to qualify for fast cash loans.

Get a Cash Loan for those on benefits here >

Quick Cash Loans for Pensioners

Pensions in the US can get lump sum payments to help them afford certain expenses. These cash loans are similar to personal loans and must be repaid over a certain number of pre-agreed months. Pensioner loans can come with high interest rates attached due to the risk to the lender.

Get a Pensioners Cash Loan here >

Cash Loans Online for Self Employed Individuals

Self-employed individuals have no traditional pay stub to show as proof of income for a loan. Self-employed loans are made available as cash advance loans, and applicants can typically prove their regular income using their income statements, bank statements, and tax returns.

Get a Cash Loan for Self Employed here >

Fast Cash Loans for Single Moms

Sometimes single moms have a hard time making ends meet, and that’s okay. A rough month doesn’t need to spiral out of control. You can find direct lenders willing to help you in your specific financial situation by using a broker website. Many lenders offer single moms instant cash loans online.

Get a Cash Loan for Single Moms here >

Cash Loans for SSI Recipients

Supplemental Security Income is provided to disabled adults and children and people over 65 years old who are citizens of the United States. If you are on SSI, you may want to supplement your income temporarily to afford an unexpected expense or emergency. Many lenders will offer cash advance loans to individuals on SSI, but your SSI amount will determine the amount you can borrow.

Get a SSI Recipients Cash Loan here >

Low Income Earners

How much you earn each month will affect how much you can apply to borrow from a lender. US cash loans are designed to offer cash advances to people of all backgrounds. If you have a small income, select a small loan amount and repayment term that’s realistic. You will be surprised at just how many lenders will be willing and able to assist you.

Get a Low Income Earners Cash Loan here >

States Where Cash Loans are Available

Cash loans are available in most states, but there are some states where instant cash loans are banned. The table below illustrates which states allow cash loans and which don’t.

Cash Loans Available In Cash Loans Unavailable In
  • Alabama
  • Alaska
  • Arizona
  • California
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming
  • Arkansas
  • Connecticut
  • New Hampshire
  • New York
  • Montana
  • South Dakota
  • Vermont
  • West Virginia
  • Indiana
  • Minnesota

Advantages & Disadvantages of Cash Loans

There are several advantages and disadvantages you need to consider when applying for quick cash loans. Here they are:

Advantages of Cash Loans

  • Quick and easy online application
  • Two-minute approvals
  • Same-day payouts
  • No credit check required
  • Great for credit history building
  • Approvals based on affordability, not credit score
  • Decent loan amounts of $100 to $5,000
  • Flexible repayment terms, typically 2 to 24 months
  • Competitive interest rates

Disadvantages of Fast Cash Loans

  • Low interest rates cannot be guaranteed
  • Cash loans are not available in every state

How to Get Cash Loans

How can you get fast cash loans with minimal effort online? Here’s how:

Step 1: Visit an Online Cash Loans Provider


Simply visit the Credit Clock website and get ready to complete the loan application process – click the “Get Started” button. It’s a good idea to have all of your supporting documentation handy.

Step 2: Fill Out the Online Application Form

The online application form will require the loan amount and term you require, as well as the following information:

  • Personal details
  • Where you live
  • Employment details
  • Loan payment details
  • Password

Click “Submit Request.”

Step 3: Provide Your Identification Details

This is where your supporting documents come in handy. You will need to provide a copy of your ID, your proof of address and either your bank statements or paystubs.

Step 4: Get Your Decision & Receive Your Cash

Once your documents are received, you will be transferred to the site of a lender who can service your cash loans request. Simply complete the process with them, sign the loan contract, and wait for the cash to arrive in your bank account. That’s the beauty of dealing with direct lenders.


While there are many places to get cash loans and all of the above platforms are viable options, the best place to get instant cash loans is undoubtedly CreditClock.Net. For quick and easy loans that are paid out the very same day, you cannot go wrong.

Request Your Cash Loan at our Top Rated Provider – Credit Clock


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About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.


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