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Do Online Payday Loans Check Your Credit?

Your credit rating or score is the measure of how risky it would be to lend you money, or in another sense, how well you have managed your credit in the past. It accounts for whether you've made payments on time or missed them, whether you've paid off debts in full or defaulted, and how many different forms of credit you have at any given time.

While there is no universal credit rating, several different credit rating bureaus make their own calculations and lenders use these to make up their own mind about whether to lend to you or not. The will also pass on your information to the bureaus to add to the credit report.

If you have a bad credit rating the last thing you might consider is taking out a loan, however many payday loan lenders promote that they do not check your credit rating at all. Is this actually true?

The short answer is yes! In the vast majority of cases payday loan lenders will not check your credit history as part of the application process. This makes it the perfect option for those that need emergency cash but would be rejected by banks and other financial institutions. What makes payday loans especially useful is that they can also issue the cash within 24 hours, making them a great resource in an emergency, whereas traditional banks loans can take may days going through paperwork and other procedures.

What Payday Lenders Are Primarily Interested In Is Your Income.

Because payday loans are a short term commitment (usually no longer than a month) all they want to know is that you have a pay check coming in the next few weeks that can meet the repayment amount (the principal plus finance charge). How much you earn is a key factor in how much you will be allowed to borrow, and some states regulate that you can only borrow a certain percentage of your gross monthly income anyway. Therefore your credit rating is not that important.

Generally all that is required to take out a payday loan is that you are over 18 years old, have a fixed address, have a regular source of income, and a checking account that accepts deposits and debits. This can all be entered online and you should be approved almost right away.

Are There Exceptions?

There are of course exceptions to this rule, though they are very rare. If the information you've entered on your application doesn't check out or there are irregularities, payday lenders may lookup your credit report as a way of verifying your identity and to check whether there is any history of fraud. For example, if you've lied on applications before and your application doesn't seem to check out, and then they find you've lied before you may be rejected.

Also if your application is borderline for being accepted or rejected, they may take a look at your credit report to help them make the final decision. This is probably only the case if you do not have adequate income. It is very rare for an application to be borderline to begin with.

What Credit Bureaus Do Payday Lenders Use?

If you are one of the rare applicants that have their credit history checked, they will use the leading credit rating bureaus such as Equifax, Experian or Trans Union. Interestingly however when they report about their own dealings with you it is often to the smaller bureaus, so any impact the loan itself might have on your credit rating is not always factored in when taking out other forms of credit in the future.


The average payday loan borrower will not have to worry about credit checks on their application and should be approved within minutes if they meet all of the standard requirements.

Note To Consumer: If you are currently struggling with debt you are advised to obtain expert financial guidance. Taking out a short-term loan will not solve your long term debt problems. Short-term loans are governed by local laws and regulations, which borrowers are encouraged to review before proceeding.

APR Disclosure: The Annual Percentage Rate (APR) is the interest rate charged by the lender, based on the amount loaned, cost and duration of the loan, number of repayments, and timing of repayments. This rate and other terms will be presented to you in a loan agreement prior to signing the contract, as per federal law. The maximum APR that lenders can charge for loans varies from state to state. On average the rate will fall between 200% and 1386% for cash advance loans, and 6.63% to 225% for installment loans. Some states have no regulations regarding APRs and therefore the lender can charge any rate they desire. A lender reserves the right to change their APR at any time, within state regulations.

Material Disclosure: The operator of this website does not provide loans themselves, nor do they act as a broker or agent for any other loan broker or lender. Rather they function as a referral service, advertising loan products from a network of qualified lenders. These lenders commonly offer cash advance loans of amounts between $100 and $1,000, and installment loans of up to $5,000. The amounts offered are subject to change and there is no guarantee that you will be referred to one of these lenders or approved for a loan. Our service and the lenders in our network do not offer or solicit for loans that are illegal under any state laws and regulations. Our service does not constitute a solicitation for any particular loan and we are not offering to lend to you ourselves. Our service is entirely free and we do not endorse any particular loan product or service. Lenders may compensate us for advertising their loan products only. This service and offer is void where prohibited. As an advertising and referral service, we are not responsible for the actions, terms and policies of the lenders in the network and have no control over their assessment of applications and loan terms offered. We do not have any access or control over your loan's interest rates, fees, repayments, non-payment repercussions, or other terms. Therefore you are advised to contact the individual lender if you have any queries regarding your loan. By using our loan request form you agree that your personal information will be shared with one or more lenders from our network. You are under no obligation to use our service, nor complete a loan application or accept a loan from any lender contacted through the service. The time it takes to receive your loan after signing an agreement may vary from lender to lender. The terms of repayment may be subject to local laws and regulations. You may be required to fax documentation as part of the lender application process. To learn more about our service and the loan products offered by lenders in the network, you are advised to read our FAQs. These pages do not constitute legal advice. By using our service you are subject to the site's Terms of Use and Privacy Policy.

Exclusions: Due to state laws and regulations residents of West Virginia, Arkansas, Vermont and New York are not permitted to use our service or website. Furthermore not all short-term and small-dollar loans are legally available in all states. We reserve the right to change the states serviced by this website without notice.

Credit Implications: No credit decisions are carried out by our service or website. Credit checks may be carried out by an independent lender from our network if you have been referred to them, which may include reports from credit bureaus or alternative providers. This may be used to assess your current credit standing or capacity, and overall credit worthiness as deemed by the lender. By submitting your information via our loan request form you accept that such checks will take place and agree to allow lenders to verify your personal details. Taking out a short-term loan will not solve your long term debt problems, and all loans provided by the lenders in our network are intended to be repaid over a short period of time. It is wise to obtain professional guidance regarding your current financial situation, and the risks involved with short-term loans. If you cannot realistically repay the loan at the time of your next pay period, then you should seek a smaller amount or not use this service. Missing payments or failing to repay loans at all, may result in added fees and interest, and collection proceedings by the lender to try and recover the debt. Policies regarding loan renewals and collections vary from lender to lender, so make sure to read their full terms before committing to a loan.