Payday Loans

Legitimate Payday Loans Online - No Credit Check

Looking for legitimate payday loans online no credit check? Find Me A Loan Today can help you find a trusted payday lender! Borrow up to $5000 even with bad credit

When you have an unexpected expense, such as an extra bill arriving in the mail, or needing to pay for urgent home repairs, chances are it won’t occur the day you get your paycheck. Should such costs crop up, and you don’t have the savings to cover the amount, you might start looking into emergency payday loans. But if you’ve not applied for any short term loans before, you may be uncertain where to find the most trusted payday loans online.

It’s not always easy to find legitimate payday loans online, as there are plenty of lenders out there that are not regulated and have all sorts of hidden fees and charges. It can take hours of research to locate legit online payday loans, and if you’re already stressed about finding the money you need, that's the last thing you want. But with Find Me A Loan Today, you can easily find legitimate payday loans online, no credit check loans and other types of short term credit in a matter of minutes. 

Trusted Payday Loans Online

When it comes to personal loans, the main two types are payday and installment loans. The latter would be paid back over several repayments, while a payday loan is paid back as one full lump sum. This is typically when you next receive your paycheck. 

A payday loan also allows you to borrow however much you need, and then just pay interest for the short amount of time you’re borrowing for. With a bank loan, for instance, they don’t tend to offer smaller loans. So you could end up borrowing thousands of dollars and paying the interest rates over months or years, rather than taking out the loan you wanted of a couple hundred dollars, and repaying in a week when you’re paid. For this reason, payday loans can work out cheaper overall.

Another benefit of payday loans is that you can easily apply online. Many traditional lenders require you to travel to a local branch to apply, or even fax across your documents, whereas all the direct lenders we work with allow you to apply from the comfort of your own home. You can use any device too, such as a laptop, tablet or smartphone. So if you’re looking for an online payday loan, Find Me A Loan Today can help you find legitimate payday loans of between $100 and $5000.

Legitimate Payday Loans Online No Credit Check 

When people look for loans for bad credit, they’ll often search for no credit check payday loans. This however is a slight misnomer - with a no credit check loan, a soft search is carried out when the lender runs a credit check, rather than a hard search. This means that the application won’t show on the borrowers’ credit reports. 

Legitimate payday lenders may carry out credit checks when you apply, but it’s important to remember that your credit score is not the only factor considered. Even if you have a low credit score, Find Me A Loan Today can help you find a trusted lender that can get you the funds you need. 

If you are looking for trusted payday loans online, it’s easy to apply for a quick cash advance. You’ll simply need to be:

  • Aged 18 or over
  • Working part time or full time
  • A US resident 
  • In ownership of an active checking account

Legitimate Payday Loans and Safe Lenders

Before you borrow money, you’ll want to know whether the lender is legitimate. Unfortunately not all payday lenders are reputable, and many people find it difficult to tell the difference between a safe payday loan and a scam. But how can you tell when you’re dealing with a trusted payday lender? 

The easiest way to know that a lender is reputable is if they are properly licensed. They will need to have a licence to operate in your state, as each state has its own laws and regulations when it comes to payday lenders. Each state is therefore responsible for issuing local licences and ensuring that licenced lenders keep to the strict rules set out by that state and the federal government. Because these regulations are in place, you’ll know that you have more protection from fraud if you use a licenced payday lender. 

Most legitimate lenders will mention that they are fully licensed on their website, and will list any states that they do not operate in. But it’s also easy to check this for yourself - you can simply contact your state’s attorney general's office to verify the details and ask for any further information.

Why Should You Apply For Trusted Payday Loans?

It’s important to only apply for legitimate payday loans, from fully licensed lenders. Some payday lenders try to find loopholes by setting up their offices offshore, but this means that they probably won’t follow the lending laws created to protect borrowers. They may therefore have lots of hidden fees and penalties, or charge much higher interest rates than legitimate lenders.

Some unlicensed payday lenders may even use your private personal information to steal your identity, and potentially take out credit in your name. This would not only cause you a lot of problems when you wanted to borrow money, it could also damage your credit file, which can take years to fix. That’s why it’s essential to only borrow from licensed lenders. Find Me A Loan Today only work with legitimate lenders, so you can rest assured that you will be fully protected.

The best thing about using a broker service like ours is that you don’t need to take the time to scrutinize each lender, to check if they offer trusted payday loans. We’ve already done the hard work for you. You also only need to complete the one online application - simply tell us the loan amount you want, the loan terms, and a few other details, and we’ll put you in touch with a legitimate payday lender. You can then check over the terms and conditions, amount to repay and the due date, and should get near instant approval. If approved, you should have the funds you need in your bank account the same day, or the next business day.

Save Time

Searching for the best payday lender can be time consuming and stressful. Your short term credit could be only two applications away.

The Right Fit

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

Responsible

We’re a broker not a lender, but we’ll still make sure that the loan is affordable. Even if you don’t have a perfect credit history, we’ll try to help.

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