Payday Loans

Payday Loans Online - Soft Credit Check, Instant Decision

Looking for payday loans - bad credit no employment verification? Find Me A Loan Today can help you find instant decision cash advance and payday lenders! Borrow up to $5000.

If you have a poor credit history, you may be looking for payday loans online, bad credit instant decision loans, or loans with no employment verification. People often search for things like “payday loans online next day soft credit check”, as in an emergency, you’ll need cash to cover extra bills or urgent repairs as soon as possible. But you can stop searching - we’ll compare bad credit loans for you.

If you have bad credit, it’s often easier to borrow with short term lenders, including payday loans, soft check loans and cash advance loans without employment verification.

Find Me A Loan Today works with a panel of payday lenders who look beyond your credit score, and often are more concerned about your ability to repay the loan. So if you have a low credit score, we can put you in touch with direct lenders offering bad credit payday loans.

Payday Loans Near Me

Payday loans can be a great option for those who can’t access other forms of traditional credit. If something should happen, and you need a cash advance to cover additional costs, you may not know where to turn. Some people may ask friends or family if they can borrow money, or look for credit cards or bank loans. But these options aren’t open to everyone. And in such cases, short term personal loans can be a lifesaver. 

In the past, you may have looked for payday lenders close to where you live, in case you needed to visit a local branch. But nowadays, almost all payday loan lenders allow you to request loans online, from the comfort of your own home. This is a far more convenient way of obtaining credit, as you don’t need to travel anywhere or waste time queuing. You can also make a loan request using any device, such as a laptop, smartphone or tablet. 

As long as you check that the payday lender you opt for with is licenced in your state, it doesn’t matter whether they’re local to you or not. Each state does have different regulations and rules though, so it may be a good idea to check what the lending terms and conditions are in your state. 

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Instant Decision Bad Credit Payday Loans

A payday loan is a type of short term cash loan. Unlike an installment loan, where you’d make monthly payments, a payday loan is intended for even shorter use. You may only borrow the money for a few weeks, and then pay back the funds when you get your next paycheck. So even if the interest rates with payday loans can be higher than traditional credit, you may end up repaying less overall. As payday loans are unsecured loans, there is also no collateral with a payday loan. This means that you’re not at risk of losing any of your assets, should you be unable to keep to the repayments. 

A great thing about payday loans online is that you can get a near instant decision. When you need to cover emergency expenses, you don’t always have time to wait around for a decision. But with Find Me A Loan Today, you can find bad credit loans, and could have the funds you need by the next business day. To make a loan request, you just need to meet the following criteria:

  • Live and work in the US, with a full time or part time job
  • Be aged 18 or above
  • Have an active checking account for the funds to be paid into

Payday Loans No Checks

Generally, payday loans for bad credit mean that only soft credit checks are performed. These checks won’t impact your FICO® credit score, and the lenders won’t see a complete breakdown of your credit report. With hard credit checks, a lender will have access to your credit file, which not only shows your credit rating, it will also include any late or missed payments you’ve made in the last few years.

Not all lenders perform hard or soft credit checks though - some just rely on employment verification, such as a bank statement or copy of your last paycheck. Such lenders believe that as long as you have a steady income, your credit score isn’t important, as it often reflects late payments from years ago, that are no longer relevant. 

You can also get payday loans without employment verification, though the interest tends to be higher, as they’re more risky loans. It should be noted that if you're not required to provide evidence of your employment, other checks may be carried out instead. If you do search for these types of credit, just make sure the lender is licenced and reputable.

If you’re looking for bad credit payday loans, simply complete our short loan request form, and we can put you in touch with the perfect direct lender. Just enter the amount of money you need, the loan terms and some personal details, and you’ll have a loan decision in minutes. If approved, you could have the funds in your account by the next business day.


Save Time

Searching for a suitable payday lender can be time consuming and stressful. Your short-term credit could be a click away.


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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