Payday Loans

Soft Credit Check Payday Loans - Direct Lenders

If you’re looking for direct lenders to provide online payday loans, direct lenders only, soft credit check loans or other types of short term credit, Find Me A Loan Today can help!

When you have an unexpected expense, it can be difficult to find the funds you need if you have a poor credit score. People looking for this type of loan often search for things like "online payday loans direct lenders only soft credit check” in order to try to take out bad credit loans.

But if you’re looking for payday loans online, soft credit check direct lender loans, or other types of short term credit, you may not have to need to worry about your credit history. Find Me A Loan Today could help you find a loan of up to $5,000, regardless of your credit score.

Online Payday Loans Direct Lenders Only - Soft Credit Check

Payday loans are a type of short term loan that allow you to borrow money until your next paycheck. They are a quick and convenient way to cover any emergency costs when you need money fast. Unlike installment loans, where repayment of the loan is monthly, an online payday loan is repaid in full a few weeks after borrowing - typically when you get your next paycheck.

Because you're only borrowing the funds for a few days or weeks, you may not pay too much total interest. Interest can add up over time, so the longer the loan is open for, in a lot of cases you'll be paying more interest overall. Another benefit of payday loans is that most lenders operate completely online, so you can submit a loan request from just about anywhere, using almost any device.  

We work with a large panel of payday lenders that can provide you with a bad credit personal loan of between $500 and $5000. So even if you have a low income or bad credit score, we can help you get the funds you need to cover an unexpected expense, from car repairs to extra bills.

Direct Lender Loans - Credit Checks

When we talk about credit checks, it's important to first understand what your credit report really is. A credit report contains lots of information about your credit history, such as any loans or credit cards you’ve taken out, your current regular financial obligations, including direct debits and bills, as well as personal information like your full name, date of birth and address. 

You can check your credit report for free during tax season via - it’s often a good idea to regularly make sure all the details on your report are accurate. Lenders and other financial institutions will then use this information to calculate your credit score. 

Your credit score is meant to represent your creditworthiness, which is essentially how well you manage your money, and if you make your repayments on time. A low credit score can make it more difficult to take out future credit, but not impossible. Many short term lenders will look at other factors too when considering your loan request.

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Bad Credit Payday Loans Online

When it comes to bad credit payday loans, direct lender soft credit check loans, and bad credit installment loans, a lot of lenders claim to offer loans without looking at your credit report. But in a lot of cases, the difference between an instant decision loan without credit checks and any other type of cash advance is whether a soft credit check or hard credit check is carried out.

Essentially, a hard credit check is where a lender pulls your credit history from the credit bureaus, whereas a soft search leaves no footprint on your credit report, and won’t impact your credit score. Almost all lenders undertake hard credit checks, but this does not necessarily mean you can’t get a loan with bad credit, as your credit history isn’t always the only consideration when making a loan decision. Things like your employment history are often taken into account too, so even if you have bad credit, Find Me A Loan Today should be able to help.

Soft Credit Check No Employment Verification Loans

When it comes to no employment verification payday loans, if you’ve been unemployed for a period of time, it can be difficult to take out credit even when you do find a new job. This is because the loan process for a lot of lenders is to ask you to show your last few months of payslips. But not all direct lenders need you to verify your employment, and you can get a near instant decision loan even if you have gaps in your employment history or bad credit. 

In order to be eligible for a cash loan, you simply need to currently live and work in the US, whether it’s full time or part time employment, and be aged 18 or over. You’ll also need an active checking account for the loan to be paid into.

Direct Lender Payday Loans

When looking for a direct lender loan, it’s important to find out whether the lender is responsible, and what the interest rate is. You also don’t want to come across any hidden fees or charges. One of the best things about using a company like Find Me A Loan Today is that we can save you lots of time - you’ll only need to complete the one loan request, rather than many via lots of lender sites. As we work on a commission basis with our lenders, our services are also completely free for you to use.

Simply let us know how much you want to borrow and the loan term, fill in a few personal details, your income and expenditure information, as well as your checking account details, and you should have a loan decision within minutes. If accepted, you could have the money you need in your bank account by the next business day. Payday lenders tend to pay out loans as quickly as possible, as they understand that in an emergency, you often can't wait around for the cash.


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A Suitable Loan

We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find a suitable loan for you.



Although we don’t lend money directly, we’re still here to help you get a loan even if you don't have a perfect credit history.

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