Being stuck for cash in a bad situation is something that we can all relate too. Maybe it’s a bad time of year, and you’re after getting hit with two or three birthdays, a public holiday, and maybe you needed cash for a school trip. Or perhaps it’s coming up to the end of the money, and last month’s paycheck is all but gone. Either way, your reservoirs are empty, and you need money.
Especially if an emergency comes up. Car repairs, medical bills, there are a million and one unexpected expenses that can pop up at any time to slap any one of us across the face. That’s where payday loans come in.
Payday loans are a quick and easy way for you to inject some cash into your account. You can get a payday loan online and use it to cover whatever emergency that needs taking care of, easy, and hassle-free.
It’s easy to get approved for an online payday loan, so easy, in fact, that there is a whole host of lenders out there waiting to figuratively hand you the cash you so desperately need. The best part is, though, that you can borrow as little, or as much, as you want.
Can I Get an Easy Payday Loan with Bad Credit?
You may not have heard of payday loans before, or perhaps you have, but you’ve heard that online payday loans are easy money; unfortunately, there’s a little more to it than that, but not much! It is easy to get them, after all.
First and foremost, payday loans are a, well, loan. However, instead of borrowing from a bank, you’re borrowing from what is called a payday loan direct lender. These lenders are third party institutions as opposed to massive government-backed agencies. However, that means that chances are you’re still going to have a credit check ran on you. However, payday lenders tend to be much more forgiving with credit, so it is still pretty easy to get a payday loan with bad credit.
Due to this, the terms of your agreement with whoever you borrow from are a bit different from what you may be used to—first, the time frame. With a traditional loan, you and the bank generally agree on a set number of recurring repayments over a large series of time. That’s because traditional loans are usually quite high in the digit count. Easy online payday loans differ in that you are borrowing in low amounts, so the time it takes to pay them back is also lower. How much lower? Exactly until your next payday. Then it’s all paid back in one go. That’s also why it’s easy to get a payday loan with bad credit, because the amount of money moving hands is so low.
Those are the two key differences between them and traditional loans. However, the most defining feature that sets the two apart is just how easy it is to get an online payday loan.
We’ve already talked about the difference in time and money, but the process is different too. Traditional, if you wanted a loan, you needed to go to a bank, fill in some paperwork, and talk with a banking agent to work out an agreement, or you filled for one online and waited for it to be approved. All the while being at the mercy of your credit report.
Well, you can get easy payday loans with no credit check while skipping all of that useless paperwork and nonsense. In fact, all you have to do is find a lender (which we have a tool for!) and fill in the application form. Yep, payday loans are that quick and easy.
Once a lender has looked over your application (almost always the same day, sometimes mere minutes), you should be notified of whether or not you have been approved, and your money should already be in your account. So if you’re looking for a payday loan with bad credit, then most direct lenders are going to be a good choice for you.
Can I Get an Easy Payday Loan with No Credit Check?
If you’ve read the above text, and you’re still not confident in your chances to be approved, you might decide to look for an easy online payday loan with no credit check. That’s fair enough, but you’re going to have a hard time.
Most payday lenders at the very least perform a soft credit check on you, and generally there is no way to tell whether or not a lender has, so if you’re looking for an easy payday loan with no credit check at all, then you’re probably going to be looking for a while.
How Can I Get an Easy Approval Payday Loan?
That might make it sound too easy to get a payday loan, but that really is all there is to it! On top of that, online payday loans are easy approval, not just easy process.
What about that process, though? You might be wondering what kind of info you need? Well, if you’ve ever applied for a loan in the bank, then the application loan is going to look pretty familiar to you.
You, of course, need your personal details. Your full name, date of birth, phone number, and address are all obviously going to be on it. Then you’re going to have to provide proof of ID. Any state-issued ID works for this, so long as you send a picture that has all the relevant info on it.
To actually get your money, you’re going to have to give some details regarding your bank account. Nothing compromising though, don’t worry, just the name of your bank and your checking account number.
You also have to give them a little bit of financial information about yourself, things like if you’ve ever had to file for bankruptcy, your primary source of income, how often you get paid, your place of employment’s contact details, and so on.
Aside from that stuff, you just have to read through the privacy agreement and sign on the dotted line.
We’ve already talked a little about how great and easy payday loans are for bad credit, but just how great really can’t be overstated.
Anything can mess up your credit score, and the emphasis that the financial world at large puts on it can be cruel. Even to those who don’t have a credit score. You would think that not needing to ever take out a loan would be a good sign of financial security but think again.
Anything from making a few late payments, to a genuine error on a lender’s part can mess up your credit score and stop you from getting even the simplest of loans from a bank. With easy payday loan direct lenders, you don’t face that kind of persecution.
Now, that’s not to say that there isn’t going to be any sort of credit check because chances are there is going to be one of some sort, but payday lenders are significantly more forgiving than the banks are when it comes to this sort of thing.
Should I Use A Direct Lender for an Easy Payday Loan?
You could use a payday loan direct lender for an easy loan, but there is a better way. We’ve been hammering home the fact that payday loans can be quick and easy, but we seriously mean it.
Think of it this way, how long does it take for the whole process of applying for a loan from the bank? At the VERY least it’s days, if not longer. With payday loans, your approval comes through the very same day you apply, so in that way, payday loans give you instant access to easy money, although just a loan. When you try to get an easy payday loan online through a direct lender, though, you might have to try out different lenders before one approves you, and that takes time.
Lucky for you, our site can make the whole process much faster! We compare dozens of different online payday direct lenders and match you with the one that best suit your tastes, essentially taking all that window shopping away and helping you get to your money as fast as possible. Otherwise, you would be stuck browsing away lender after lender with no end to the monotony in sight for what could be days on end.
With us, payday loans are easy to get and quick to get, and these quick and easy to get payday loans to require no faxing, no phone calls, no credit checks, and no hassle.
We save you a lot of trouble, just saying.
Easy Payday Loan Near Me
You might be wondering where you can get an payday loan near you. Understandably, the traditional system has most people thinking that in order to get a loan, there has to be a physical building of some sort. Thankfully, we’re in a new age, and that restriction no longer applies.
Nowadays, you can get online payday loans from online; yep, the hint is right there in the name. Meaning that looking for an easy payday loan near me is kind of redundant.
You don’t need to worry about the company being situated near you or anything like that, it’s all done through the power of computers, so you have access to the whole world of payday loans from wherever and whenever you want. No traffic restrictions or opening hours to adhere to.
Although, if you would prefer to get a loan from a lender that is close to home if you google search payday lenders followed by your state, chances are that the first few are going to be operating out of there. So if you have your heart set on finding an easy payday loan near me, it is still an option for you.
Although you have to beware that some states actually prohibit payday loans, Arkansas, Connecticut, and New York are just three examples, but there are many more, so just make sure your state allows them before you go searching for one.
Is It Easy to Get A Payday Loan?
Payday loans are easy to get; hopefully, we’ve already proved to you how and why, but don’t just let us tell you, let us show you. On our site, we have an application form that matches you with one of dozens of online payday loan direct lenders. You fill it in like you would a form on any other payday loan site, and we match you with the best fit. We save you a lot of time, so why not give us a shot?