Lending regulations in the United States have made it difficult for borrowers with bad credit to obtain financial assistance from conventional lenders. Most Americans living paycheck to paycheck struggle to fill the financial gaps that arise between payment periods.

But here is some good news. Some online loan brokers specialize in helping you get payday loans without a credit check. This article lists them and details how some of them work.

Ultimately, no matter how bad your credit history may seem, you’ll find a lender who’s willing to work around your situation and get you the funds you need.

Here are our top 10 loan broker platforms for you to explore.

1. iPaydayLoans – Famous platform for payday loans without credit check

2. Problematic loans in the United States – Ideal for bad loans in the United States

3. WeLoans – Connect with the most trusted bad credit lenders here

4. CocoLoan – Ideal for same day bad credit loans with fast approval

5. EasyPaydayLoans – Fast and secure payday loans with guaranteed approval

6. UnityLoan – Quick access to small personal loans with bad credit

seven. honest loans – Find a quick and easy payday loan application process here

8. Loans for bad credit in UK – Connect with bad credit friendly lenders in UK

9. Payday Loans UK – Ideal for bad loans with fast approval process

ten. Get a payday loan – Apply for payday loans with bad credit and high approval rates in UK



With just your official ID and a checking account, iPaydayLoans can help you get financial help fast, even if you have a bad credit history. It’s a loan broker who works with a team of verified lenders to get you all kinds of small loans, from payday loans installment loans.

So, if you are rejected by other lenders, iPaydayLoans might just be the platform where you should apply. Apart from the fact that this is a simple process that you can do from any device, lenders are quick to respond here.

A few minutes after submitting your information, you will receive offers indicating the amounts to which you are entitled, the repayment conditions and the interest rates.

Once you’ve chosen an offer and been approved, you can say goodbye to your financial crisis the next business day. In 48 hours or less, your lender will deposit your funds directly into your bank account. Compared to traditional lenders, it’s as fast as it gets.


  • The application process is quick and only takes a few minutes
  • They offer payday loans for bad credit
  • Trustworthy lenders respond quickly

The inconvenients:

Contact iPaydayLoans today for competitive rates on bad credit loans >>

Problematic loans in the United States

United States Bad Credit Loans.png

Problematic loans in the United States

Are you looking for payday loans without a credit check but with guaranteed approval? Problematic loans in the United States lets you borrow payday loans between $50 and $5,000 from its lenders.

It is a popular loan broker that specializes in matching borrowers with lenders who offer loans for bad credit.

Among its advantages is the fact that you can get loan approval even with informal employment. However, if you are unemployed, you will need to provide proof of regular income.

The lenders on the US Bad Credit Loans platform offer you competitive interest rates and their response is almost instantaneous. These lenders have been carefully selected and you can expect transparency in your dealings with them. There will be no additional fees or charges that you are not already aware of.

Finally, you can expect to receive your funds within one or two business days once your loan application has been approved.


  • You will receive your funds faster than traditional means
  • Loans are given to bad borrowers
  • You are allowed to have a co-applicant

The inconvenients:

  • Late payment fees may appear depending on the lenders

Visit US Bad Credit Loans for the Best Odds of Getting a Bad Credit Payday Loan >>




WeLoans is another popular loan broker in the bad credit payday loan market. For one, its lenders have the least stringent qualification requirements. They only analyze your income to ensure your ability to repay your loan. This includes your spending history and how long you have been earning your current income.

Unlike most lenders, WeLoans lenders do not set a minimum income or minimum FICO score requirement.

Therefore, getting payday loan offers through WeLoans is easy. Not to mention that this whole selection process only takes a few minutes.

Plus, since some lenders report payments to the credit bureaus, you’ll have the potential to boost your credit score if you make your payments on time. And if for some reason you’re unable to repay a payday loan, there are other alternatives, including title loans, where you can use collateral to secure financing.


  • Flexible payday loan amounts between $50 and $5,000
  • Fast application process
  • The website is safe and secure

The inconvenients:

  • You can’t get a loan if you don’t have a credible source of income

Get the best deals on payday loans with WeLoans today >>


1. Are payday loans approved by everyone?

Although there is no guarantee that you will be approved for a loan, payday loans have very high approval rates, typically over 80%. These rates are even higher for payday lenders with bad credit. Improving your credit score and having a co-signer are some of the steps you could take to ensure you get approved for a payday loan from any online lender.

2. Do payday loans require a credit check?

Payday loans don’t require rigorous credit checks, and that’s part of why they’re readily available. However, for this reason, they charge very high interest rates, usually between 350% and 400% per annum. Many borrowers get stuck in a spiral of debt with these loans when they cannot repay them on time. So it’s the kind of loan you take when absolutely necessary.


Worried about your bad credit? Don’t waste any more time applying for payday loans from conventional lenders because there’s a good chance you won’t be approved. Instead, make these platforms your go-to whenever you want some quick cash before your next payday. They don’t prioritize your credit score and their approval rates are almost guaranteed.