Bad Credit? There are Still Payday Loan Sites That Can Help You

Written By Mary Beth Eastman
Last updated December 7, 2020

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February 19, 2019

Simple. Thrifty. Living.

Having bad credit doesn’t mean you can’t take advantage of a payday loan. The good news is that there are many payday loan companies on the market today that are willing to lend money to those whose credit is less than perfect. While you may pay more interest for these loan products than somebody with a better credit score, payday loans can be very convenient when you need emergency cash in the short term.

In this article, we’ll take a look at the best online loans that can help those with bad credit, including details about their products and payment terms.

CashNetUSA offers a quick online application and you’ll find out almost immediately whether your loan has been approved. If approved, your money will be transferred to your nominated bank account as soon as the next business day. You don’t need any collateral and they say that bad credit is OK as long as you can demonstrate that you have the ability to repay.

When you need a convenient cash loan and quick turnaround time, could be a good option. They offer a wide range of loans and their APRs are some of the lowest around. also does not require a credit check. However, you do need to be 18, have a source of income and have an open bank account. Once you are approved, funds will be deposited in your account the following business day.

As their name suggests specializes in offering payday loans to customers with bad credit. The way it works is simple; complete the online application form and your application will be sent to a network of lenders for consideration. You will receive notification from the lenders that accept your application and you can choose the one that best suits your needs. Always check the APR before you make a decision as this can vary significantly between lenders.

Whether you have an unexpected bill that you need to pay or you simply need to make ends meet before your next payday, payday loans can be a short-term lifeline when you need emergency cash. Just because you have bad credit it doesn’t mean that you have to pay over the odds for your payday loan, either. Shopping around can reveal some good deals that will not only give you the money you need, but also help you to repair your credit rating by paying back your loan on time.

About the Author

Mary Beth Eastman

Mary Beth Eastman serves as the content manager for Simple. Thrifty. Living, where she is dedicated to helping readers use money and credit wisely. Mary Beth believes that access to the right financial information paired with a growth mindset are essential tools for getting out of debt and building wealth. Mary Beth has a degree in Journalism from Bowling Green State University and has focused her 20-year journalism career on putting readers front and center, carefully considering their concerns and presenting information that will help them in their everyday lives. She has won numerous statewide journalism awards. Her writing on personal finance as been featured on numerous websites in addition to Simple. Thrifty. Living, including Huffington Post and Lexington Law blog. Mary Beth resides in Pittsburgh, Pa., with her family and two rescue dogs.

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