Bad Credit Payday Loans from PaydayLoanHelp

Bad Credit Loans Instantly


Now Your Credit Rating Won't Come in the Way of Funding

When one has a bad credit rating, it can get very difficult for them to get a loan. Bad credit holders aren't very welcome to apply for loans with traditional and conventional lenders. Even if they do choose to lend a loan, they may keep something as collateral so as to eliminate the risk factor involved of not being repaid.

Traditional lenders rely on one's previous repayment histories in order to fund them. However, a past repayment cannot determine the current status of a borrower and his/her eligibility to repay a loan. That's why, direct lenders like us offer loans to those borrowers with no or bad credit ratings as well.

How Do Online Payday Loans for Bad Credit Work?

There are various factors to determine the credit score of an individual. The FICO score is the most popular of them all. The FICO credit score chart divides credit scores into 5 major categories namely- very poor, poor, fair, good and excellent.

Very poor credit holders have almost absolutely no chance to get funded by traditional lenders. They range from 300-499. If a person who have a credit rating that falls under this category, it can be risky for them to apply for a loan with a traditional lender. That's because when the traditional lender conducts a hard credit heck, their credit rating will reduce even further thus making it difficult for them to get a loan elsewhere.

Poor credit holders undoubtedly have a better chance of getting a loan from a lender in comparison to a person holding a very poor credit rating. However, the chance of getting a loan from a traditional lender is small. This category ranges from 500-600.

Fair credit holders have a decent chance of getting funded but with a higher rate of interest than good and excellent credit holders. They range from 601-660.

Good credit holders do not have to worry about not getting funded. All kinds of lenders will be more than happy to fund them considering their previous repayments and more. They range from 661-780.

Excellent credit holders are often asked by banks if they need a loan or not even without them applying for one. They get interest rates that are minimal. They range from 781-850.

Get Payday Loans for Bad Credit with Instant Approvals

At PaydayLoanHelp, we instantly approve your loan request irrespective of your credit rating. Even bad credit holders can apply and rest assured that they will be funded in just 24 hours, depending on the policies of their bank. Of course, there are certain criteria that need to be fulfilled in order to get funded by us, but they are very basic.

Our bad credit loans are approved if you have a stable monthly income. That determines your ability to repay us and on time. We do not depend on your credit rating as mentioned earlier, since a stable income proves your ability to repay us, which is your current financial situation. As long as you have that, you don't have to worry about having a poor credit rating.

All you have to do to avail a payday loan from us for bad credit, is have a stable monthly income and spare 3 minutes of your precious time and apply with these simple documents:

  • Social Security Number
  • Income statement
  • Checking account details
  • Verifiable contact details
  • Age proof (18+)

Get Payday Loans with No Credit with PaydayLoanHelp

Often, people with no credit history find it difficult to get loans. Lenders think of their situation as risky since there is no proof of their past financial transactions, which is why lenders fear that they won't be repaid. That's why, a lot of our borrowers come to us to avail loans even if they have no credit. That's because, we offer loans to everybody who has a stable income. Now one doesn't have to worry about having no credit history in order to receive a loan. One can always start with PaydayLoanHelp and continue their journey or borrowing with other lenders after.


I asked for financial help among my relatives but none could come to my rescue. Finally, I spent hours together online, searching for a genuine lender. It was a daunting task. One of my friends proposed this site. I just submitted my online application yesterday and got the cash today

– Anne Smink

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