Payday Loans

Legitimate Payday Loans Online - Soft Credit Check

Looking for legitimate payday loans online soft credit check? Find Me A Loan Today can help you find a trusted payday lenders! 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 requested 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, loans for bad credit and other types of short term credit in a matter of minutes. 

Most 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 find a loan online. Many traditional lenders require you to travel to a local branch to make a loan request, or even fax across your documents, whereas all the direct lenders we work with allow you to request a loan 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 $500 and $5000.

Three people in business meeting

Legitimate Payday Loans Online For Bad Credit

When people look for loans for bad credit, they’ll often search for payday loans where your credit history doesn’t matter. This will usually mean a soft search is carried out when the lender runs a credit check, rather than a hard search. Therefore the search won’t show on the borrowers’ credit reports.

Legitimate payday lenders may carry out credit checks when you submit a loan request, 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 make a loan request 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

However it’s important to bear in mind that if you have filed for bankruptcy or become insolvent relatively recently, you may find it more difficult to take out credit such as legitimate payday loans.

Bad Credit Payday Loans

Payday loans are often aimed at people with poor credit ratings, as they tend to be more accessible than other forms of credit. If you have a low credit score, you might have been turned down for loans in the past, and start to think you’re not eligible for future loans. But this may not be the case - many short term lenders will consider your loan request even if you have bad credit. 

Your credit score is based on information from your credit report, which contains details such as your previous and current credit, as well as the regular direct debits and bills you pay. Late and missed payments can damage your credit score, while payments made early or on time can help boost it. 

Many of the lenders we work with look at factors alongside your credit history. They may consider your employment history, for instance, or your monthly income and expenditure. Bad credit doesn’t necessarily mean trusted payday lenders won’t consider your loan inquiry.

couple drinking coffee with pug

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 licensed 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 licensed 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 Look For Trusted Payday Loans?

It’s important to only request 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 offering the most trusted payday loans online.

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 loan request - 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 s near instant decision. If approved, you could have the funds you need in your bank 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.

Get Started Now