Top 4 Online Payday Loans Instant Approval No Credit Check 2022


You may need quick financing to solve an emergency, but you don’t qualify for credit cards, you live far from the bank, you have a bad credit score, etc. All of this could prevent you from acquiring instant loans, leaving you paralyzed.

Although you may have other alternatives, payday loans should be your first choice. Payday lenders are well known for being quick in their payment. Also, these platforms do not focus on your credit report to qualify.

Payday loans are more convenient because you don’t have to go to the counter. You can complete your application at home using your smartphone or laptop. Also, it enables you to get help from many lenders. This article discusses the top four payday lenders with no credit check and instant approvals. Let’s go!

Top 4 Online Payday Loans Instant Approval No Credit Check 2022

1. Viva Payday Loans

Viva Payday Loans is one of the lowest ranked payday lenders. They offer a variety of payday loans, bad credit sums ranging from $200 to $5,000 plus a payment term of 2 to 24 months.

Their APR varies between 5.99% and 35.99%.

Because it is a brokerage platform, you can finish filing your application in a minute and get an approval or rejection feedback after a few minutes.

After acceptance, the system connects you with a lender to provide you with the money. If the lender cannot help you, they will ask you for additional details, such as financial records, payslips and addresses. The lender will prepare and issue you a contract when you provide and validate the documents.

You must carefully read everything in the loan agreement document before signing it. Once you accept the contract, the lender sends the money to you via your bank account as soon as possible. You will pay off your debt at the end of each month using a debit card.


  • You are financed the same day of your request
  • Loans range from $200 to $5,000
  • The application process is simple and quick, taking only a few minutes
  • You get feedback on your application instantly

The inconvenients

  • It is only available in certain states

2. Heart Paydays

Heart Payday is also another well-known lending website in the United States. The company reduces the inconvenience of filling out the application form at the bank by providing its services online. You can use your smartphone or laptop at home and apply for Heart Payday loans in just about five minutes.

This platform tends to grant loans within an hour of approval, but it could be within 24 hours if there is a delay. They aim to support people who have been rejected by other creditors.

Whether you are unemployed, receiving government assistance, have bad credit or need a financial boost, Heart Payday is ready to help you with our services.

Although the system primarily focuses on loans of $200 to $2,000 which are usually repaid within 2 months, customers can still obtain loans of up to $5,000 which they can repay within 24 months.

The platform is well known for offering low interest rates, especially short-term loans. Most lenders keep their fees moderate, setting their APR at 5.99% to 35.99%.


  • You do not need to submit any documentation
  • The payment transaction is fast
  • You can access your funds within 24 hours

The inconvenients

  • Some of their products come with high interest rates.

3. Credit Clock

Credit Clock is a lending platform that offers short-term bad credit loans and payday loans between $200 and $5,000. The application process takes less than five minutes and loan approval is granted quickly. The overall process takes less than 24 hours.

Credit Clock offers simple, all-encompassing approval – customers with bad credit can apply as long as they meet the minimum monthly income criteria of $1,000. You must be able to repay the loans on time (you will justify your income); you must be 18 years or older and must provide your address. The Credit Clock platform only offers loans to registered US citizens.


  • People with low credit are encouraged to use the portal
  • Fast back approval
  • Applicants are funded within 24 hours of approval

The inconvenients

  • Clients must have a minimum income of $1,000

4. Money Lender Team

Money Lender Squad is a fundraising service for US citizens. It offers cheap interest rates, no guarantor loans and instant payday loan approvals. Even if you have a bad credit rating, you can get loans on this platform. The lender offers instant payday loans with a repayment term of two months and personal loans no credit check with a repayment term of two years. Their rates range from 36% to 400% APR.

Once you have completed your application process and submitted your form, lenders will review your application and notify you as soon as possible whether or not you qualify. If you are approved, you will be connected with one of the lenders to help you. Your funds will be paid into your bank account the next business day.


  • It offers extended payment terms
  • The application process is simple
  • No guarantor needed

The inconvenients

  • The interest rate increases when your credit rating drops.


Before you start worrying about your financial problems and imagining the negative consequences, relax and search the internet for possible solutions.

With the services of Internet loan markets, you can quickly meet your financial challenges. Therefore, if you need immediate financial support, online payday loans are a legitimate option.

Nevertheless, you can only benefit from fast payday loans if you learn how to manage them effectively. Without precaution, you could become the subject of shady deals that could put you in a more difficult situation.


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