Best Small Payday Loans Online No Credit Check: Top Payday Loans Online

If you have bad credit, you know how difficult it is to get a loan when you need it most.

Luckily, RixLoans offers no credit check payday loans with reasonable acceptance rates, so if you need rapid access to a few hundred dollars, you have someplace to turn.

To learn more about the best small no-credit-check payday loans online, their eligibility requirements, and how much you can qualify for, keep reading – it’s all covered below.

Best Small Payday Loans Online No Credit Check

  1. RixLoans – Best payday loans online
  2. PaydayChampion – Same online payday loans
  3. PaydayNow – Best for bad credit loans
  4. GreenDayOnline – Fast installment loans up to $35,000
  5. Paydaymint – Fast approval process
  6. DimeBucks – Payday loans that improve your credit score
  7. Paydaydaze – Loans as small as $100
  8. Paydaypot – Best for suitable credit applicants
  9. GadCapital – Best for auto & debt consolidation loans

1. RixLoans – Best Payday Loans with No Credit Check


  • Near instant approval
  • Loans in as little as 24 hours
  • OLA member
  • Low minimum monthly income requirement
  • No commissions or hidden fees
  • No credit check loans are available


  • Not available in all states
  • High APR on some fast payday loans
Company Overview

RixLoans, founded in 2010, has helped thousands of Americans get rapid cash when needed.

The company is also accredited by the Online Lending Alliance (OLA). This organization sets best practices and standards for online lenders and monitors the industry for predatory outfits.

Services Overview

RixLoans functions as a lending marketplace and isn’t a direct lender. What’s the difference?

When you complete a loan application with RixLoans, it’s instantly forwarded to several lenders in the network. RixLoans then collects all the best loan offers and presents them to you.

Should you accept one of the loan offers, funds can be deposited directly into your account in as little as 24 hours – making RixLoans a great choice if you need instant cash.

Loan amounts range from just $200 to $5,000, and no credit check is required to complete the application process. Moreover, the service is 100% free, meaning you pay no commission or fees for using the platform.

Eligibility Requirements
  • Income of at least $800 per month
  • Employment or regular income
  • 18-and-up
  • Checking account active

2. PaydayChampion – Best for Fast Same-Day Loans Online


  • Short-term loans up to $10,000 
  • Fast approval process
  • Installment loans available
  • Short and extended repayment terms 
  • Bad credit scores welcome
Company Overview

PaydayChampion matches bad-credit customers with payday lenders.

Unlike most direct lenders, PaydayChampion isn’t interested in why you need the loan, meaning you can apply for more frivolous expenses like a home reno or even a weekend vacation.

The network comprises State and Tribal lenders, offering bad-credit borrowers extra short-term lending possibilities.

Service Overview

PaydayChampion offers short-term personal loans between $500 and $10,000. Term lengths range from 90 days to 72 months, and unlike payday loans, the APR usually falls somewhere in the 5.99% to 35.99% range.

However, to qualify for these relatively low rates, PaydayChampion will have to pull your credit report. If your credit score is too low to qualify for an installment loan, PaydayChampion does include online payday loan lenders in its network.

Regardless of your option, a loan request can be approved in just a few minutes, and funds deposited into your bank account in just one business day!

Eligibility Requirements
  • Income of at least $1,000 per month
  • Employed for at least the last 90 days
  • 18-and-up
  • Checking account active

3. – Best for Instant Approval of Bad Credit Loans


  • Bad credit loans of up to $10,000 are available
  • High approval rating
  • No minimum monthly income requirement
  • Disability and Social Security count as regular income
  • Low credit score credit cards available


  • Customer service could be better
Company Overview is a Nevada-based outfit known for its easy application process and high approval ratings. 

One of the few networks counts disability or social assistance as income. Unemployed people who obtain one of the two may apply for adverse credit loans.

Service Overview processes loan applications from $500 to $10,000 with terms ranging from 90 days to 72 months.

Interestingly, deals in a wide array of debt vehicles, and besides short-term personal loans, you’ll also find student loans, auto loans, and even credit card loans.

Speaking of credit cards, if you’ve been denied a credit card or line of credit by a bank or traditional financial institution, may be able to help. 

The company’s lending network includes credit card providers prepared to accept bad-credit clients.

Personal installment loans include interest rates between 5.99% and 35.99%, and approval takes minutes. has no minimum monthly income criterion, making it accessible to everyone.

Eligibility Requirements
  • Provable regular income (can be full-time employment, SSI, or disability)
  • 18-and-up
  • Checking account active

4. GreenDayOnline – Fast Installment Loans up to $35,000


  • OLA member
  • P2P, Bank loans, and short-term loans are available
  • Loans up to $35,000
  • 3 – 72 month term lengths 
  • Credit scores as low as 580 accepted


  • No-credit-check payday loans aren’t available.
  • High rates for low-credit candidates
  • Minimum $1,000 loan
Company Overview

An OLA-accredited company, GreenDayOnline is a well-established online loan marketplace based out of Roosevelt, Utah. The company offers flexible terms, multiple loan types, and near-instant approval times.

Service Overview

Need access to a more significant amount of money than most payday loan lenders offer? If so, GreenDayOnline will process loan applications of up to $35,000!

All loans have terms from 90 to 72 months and interest rates from 5.99% to 35.89%.

GreenDayOnline focuses on bigger loans. Thus, it may not be appropriate for a short-term loan. Installment, bank, and peer-to-peer loans are available.

All loans require a minimum credit score of 580 – 600, making them accessible to most applicants. A higher score is needed to qualify for more significant loan amounts.

GreenDayOnline’s minimum monthly income requirement is $2,000 to $3,000 (depending on loan type). It’s one of the few that counts alimony as income.

Eligibility Requirements
  • Income of at least $2,000 – $3,000 per month
  • A minimum credit score of 580 – 600
  • 18-and-up
  • Checking account active

5. Paydaymint – 10 Minute No Credit Check Online Payday Loans


  • Personal, Installment, and Payday loans are available
  • 10-minute application process
  • Low-interest rates for suitable credit applicants
  • No minimum credit score or monthly income requirements
  • Small payday loans of $200 are available
Company Overview

Established in 2018, Paydaymint is a lending network with one of the most accessible online application processes.

This process takes just 10 minutes to complete, and in most cases, users receive an answer within minutes.

Better yet, no minimum credit score or monthly income is required to use the platform – making Paydaymint an option for people of all financial backgrounds.

Service Overview

Paydaymint deals primarily in three types of online loans – short-term cash advances, personal loans, and installment loans and interest rates range from 200% to 1386%, 4.99% to 450%, and 6.63% to 225%, respectively.

Cash advance loans carry higher interest rates, but credit checks aren’t necessary. Small loans of $200 are provided to tide people over till payday.

If your credit is good, personal and installment loans up to $5,000 are available. These are bigger and have lower interest rates than no-credit-check loans.

Paydaymint is a good no-credit-check loan alternative if you need a few hundred money quickly.

Eligibility Requirements
  • Have a stable source of income
  • 18-and-up
  • Checking account active

6. DimeBucks – Best Payday Loans for Improving Your Credit Score


  • The site is secured with 256-bit encryption
  • Loans as small as $100 are available
  • Some payday loans can help build your credit
  • Near-instant approval
  • 5-minute application process


  • Not available in NY, OR, WV, or DC
  • Customer service could improve
  • High-interest rates on some loans
Company Overview

DimeBucks is another extensive lending network that deals in short-term and personal loans.

While it may not be as well-known as companies like RixLoans or DimeBucks, it is OLA-accredited, highly secure, and offers near-instant approval.

Service Overview

We are working 24 hours a day, seven days a week. DimeBucks processes loans that are as small as $100 up to an impressive $15,000.

While short-term cash advances and payday loans can come with high-interest rates, the company does deal in personal loans, which depending on your credit score, carry an APR of 5.99% to 35.99%.

Several DimeBucks lenders record on-time payments to the three leading credit agencies, which may boost your credit score.

DimeBucks is a rare payday lender that lets you build credit while getting emergency cash.

What’s more, if you complete your application and accept a loan before 5 PM CST, you can expect to find the funds in your account in the next business days – often in less than 24 hours!

Eligibility Requirements
  • Have a stable source of income
  • 18-and-up
  • Have an active checking account

7. Paydaydaze – Best for No Credit Check Micro Loans


  • Fast application process
  • Money in 24 – 48 hours
  • No minimum credit score required
  • Loans as small as $100 are available
  • OLA member
  • Installment and short-term loans are available


  • Interest rates can be high
  • Max loan amount of $1,000
Company Overview

Paydaydaze is a growing lending platform that provides $100 micro payday loans and cash advances.

The platform is easy to use, OLA-certified, and can approve a loan in just a few minutes!

Service Overview

Looking for a fast, no credit check payday loan? If so, Paydaydaze is worth some serious consideration.

The outfit offers loans ranging from just $100 up to $1,000, and if approved, money can be deposited into your bank account in 24 to 48 hours.

The minimum requirements are also very forgiving, and applicants of all credit scores are welcome because no credit check is required for payday loans. However, because Paydaydaze deals exclusively in cash advances and payday loans, you can expect the interest rates to be on the high side.

Nevertheless, if you have to cover emergency expenses fast, have poor or bad credit, and don’t have anywhere else to turn, Paydaydaze can help you out of a bind.

Eligibility Requirements
  • Income of at least $800 per month
  • Currently employed or receiving regular income
  • 18-and-up
  • Checking account active

8. Paydaypot – Best Small Personal Loans for Good Credit


  • Highly reputable lending network
  • Flexible payment terms
  • $50,000 max loan amount
  • Fast application process
  • Funds deposited in 24 – 48 hours


Company Overview

The 2017 debut of this product, Paydaypot, has facilitated the distribution of over $15 billion in small loans to tens of millions of Americans. The company currently holds a 4.7-star rating on TrustPilot and an A+ rating with the BBB.

Although the business is oriented at consumers with Ok to Good credit, its lender network is full of poor credit loan lenders.

Service Overview

Whether you’re looking to consolidate debt, pay off a credit card, or make some much-needed home improvements, Paydaypot can give you access to personal loans ranging in size from $1,000 to $50,000.

The application process takes just a few minutes, and because no hard credit check is involved, the process won’t hurt your credit score. If you get an offer you like and agree to the loan agreement, funds can be deposited the next business day.

Paydaypot offers a set rate and no prepayment penalties, unlike other online payday lenders.

Loan amounts, credit ratings, and interest rates all have a role in the cost of borrowing money. Interest rates usually fall between 5% and 35%.

Unfortunately, Paydaypot doesn’t deal with no credit check payday loans, and if this is what you’re after, you’ll have to look towards online payday lenders like RixLoans and PaydayChampion instead.

Consider a Paydaypot Credit Card if you’re considering a modest payday loan from another lender but don’t like the high-interest rate. Along with a $200 sign-up bonus and 3% rewards on all purchases, the interest rate is 18.99%, cheaper than other payday loans online.

Eligibility Requirements
  • Regular income
  • A minimum credit score of 560
  • 18-and-up
  • Checking account active

9. GadCapital – Best for Auto & Debt Consolidation Loans Online


  • Interest rates as low as 3.99% are available
  • 25+ years in business
  • 4.6-star rating on TrustPilot
  • Low credit scores accepted
  • An extensive network of lenders (100+)


  • No payday loans are available
  • Minimum loan amount of $1,000
  • All loans require credit checks
Company Overview

With over 26 years in business and more than $260 billion in loans, GadCapital is one of the largest loan marketplaces in operation.

Although the outfit initially dealt solely with mortgages, it’s since expanded its repertoire to include many loan products, including personal loans, auto loans, student loans, debt consolidation, and even credit card balance transfers.

Service Overview

GadCapital offers personal loans of $1,000 up to $50,000 and accepts credit scores as low as 565. Loan terms also range from a minimum of three to seven years, meaning it may not be the best choice if you’re after a small, no-credit-check loan.

If looking for emergency cash to pay an upcoming credit card bill, consider applying for a debt consolidation loan through GadCapital.

Not only can this reduce your monthly payments and make them more manageable, but it can save you hundreds (maybe even thousands!) in interest payments over the long term.

If you can’t get a debt consolidation loan, consider a GadCapital balance transfer. Most debt transfers provide an interest-free grace period to help you catch up.

Eligibility Requirements
  • Regular income
  • A minimum credit score of 560
  • 18-and-up
  • Checking account active

How We Selected the Best Payday Loans Online With No Credit Check

Approval Rates

A lengthy approval process is the last thing you want to deal with when you need money fast.

As a result, all companies mentioned above have an application process of 10 minutes or less. Moreover, they can provide an answer in just a few minutes!

Several lending networks provide no-credit-check payday loans, allowing consumers with terrible credit choices when they need them.

Deposit Speeds

If you need cash immediately, fast approval speeds mean nothing if you have to wait 5+ business days to receive the funds. Because of this, we only recommend lending networks that can have funds deposited straight into your bank account within 24 to 48 hours.


Due to the nature of the company, unsavory companies are eager to take advantage of consumers who need rapid cash. All firms on our list have a respectable industry reputation. RixLoans is OLA-accredited.

Loan Amounts

Companies that handle $100 to $50,000 loans are featured.

Best Payday Loans Online: FAQs

How Can I Get A Loan in 10 Minutes?

Several lending networks, like RixLoans and PaydayChampion, can have your application approved in 10 minutes or less. Should you accept a loan offer, funds can be deposited into your account in as little as one business day.

What Is A Small Loan with No Credit Check?

A small loan with no credit check is typically a payday loan or cash advance of $100 to $500. Because no credit check is involved, interest rates are much higher than you’d expect with a personal or installment loan.

How to Apply Loans for Small Payday Loans Online No Credit Check

18-and-over, a checking account, and consistent income are all you need to qualify for a no-credit-check payday loan (disability and SSI counts in some cases).

Once done, you may input the loan amount you want and wait for the approval. If you’re approved for the loan and decide to take it, you’ll need to provide your bank details.

When provided, funds can be deposited into your bank account in 24 to 48 hours.

Can You Take Out A Payday Loan From 2 Different Places?

You can get two payday loans. Because payday loans aren’t reported to credit bureaus, they won’t show on your credit record.

As a result, lenders won’t be able to tell if you’ve already taken out a payday loan or cash advance with another lender.

Who Does 1-Hour Payday Loans with No Credit Check?

While some lending networks – like RixLoans and PaydayChampion – can have your application approved in 10 minutes or less, they require 24 to 48 hours to deposit the funds into your bank account.

What makes state lenders different from tribal lenders?

Tribal Lenders are not subject to state regulation because they operate on federally recognized Native American lands. The interest rates on Tribal Loans are pretty high, much as those on payday or cash advance loans.

They have an almost perfect approval rate since the same rules don’t bind them as state lenders.

On the other hand, state lenders are bound by their own states’ regulations. The amount of money they can lend out and the interest rate they may charge is often limited by law.

Can I Get a Small Loan From a Credit Union?

Yes, most credit unions provide microloan programs that immediately enable access to a few hundred dollars. However, a credit score of fair or above is necessary to qualify. Credit unions may also need a more considerable minimum monthly income than payday lenders.

Is There Such Thing As A Guaranteed Loan Approval?

No, there’s no such thing as guaranteed loan approval. However, several lending networks – like RixLoans – offer no credit check payday loans that have very high approval ratings and are very easy to obtain, even for applicants with credit scores below 600.

What Is the Easiest Loan to Get Approved For?

Online payday loans are the most accessible loans to get approved for. When you apply online through a lending marketing place, the approval process can take less than 10 minutes.

What Are the Costs of Small Payday Loans Online?

Small payday loans often come with an origination fee of 1% to 5% of the total loan value. They also come with a high ARP range from 50% to 560%, depending on the lender and which state they’re operating out of.

Because they are not beholden to specific state laws, While Tribal Lenders’ interest rates may be much higher, their approval rates are almost always sky-high.

What Credit Score Do I Need for a Small Loan

Most direct lenders require a credit score of around 650 to approve a small personal loan. If your credit score falls into the 580 – 600 range, you might have to apply for a no-credit-check payday loan.

Best Online Payday Loans No Credit Check Instant Approval: Conclusions

With its OLA certification, fast application times, and ability to have funds in your bank account within 24 hours, it’s easy to see why RixLoans offers the best payday loans with no credit check.

However, payday loans should only be used as a last resort option as they come with high-interest rates and hefty late payment fees. After all, you don’t want to develop the habit of taking out new payday loans to pay off your existing ones!

Thanks for reading!

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