2nd Chance Payday Loans Direct Lender

Another Opportunity for You to Get Funded


2nd Chance Payday Loans from a Direct Lender if You have Bad Credit

Being denied loans from traditional lenders when having a bad credit score, isn't something that's unheard of. It can however, cause concern and stress to the individual who has gone through such a situation, as the possibility of being able to get funded starts to seem very, very small. However, you must know that you have other options apart from traditional loans when you are in a dire need of finances.

Second chance payday loans are meant for bad credit borrowers. You can avail such loans from direct lenders near you or from online direct lenders like us at PaydayLoanHelp. You hence don't have to worry about not getting some extra cash when you really need it.

2nd chance payday loans from online direct lenders can provide you money faster and much more easily than a store-based lender can. That's because with online trusted lenders like us, you don't have to waste time travelling and standing in long queues in order to apply for your loan, that too without being guaranteed one in the first place. With us, all you have to do is fill our 3-minute short application form and submit it, while also sending across the following very basic details/documents:

  • Your Income statement/ Pay stub in order for us to be assured about repayment ability
  • Your Social Security Number
  • Your age proof which shows that you are at least 18 years old
  • Your verifiable contact details for us to get in touch with you as and when required; and
  • Your checking account details to transfer and withdraw funds easily.

Second Chance Online Payday Loans are Unsecured

Some traditional lenders do offer loans to those borrowers with undesirable credit ratings on the condition that they must provide some sort of security or collateral. However, that doesn't guarantee that you will get your funds and even if you do, it is not going to be fast a transaction as one that a trusted direct lender would transact.

With us, you do not have to worry about offering collaterals, even if you have very bad credit scores. Second chance payday loans have no credit checks, since we understand that if you're applying for such a loan in the first place, it is most likely that you have a faulty credit rating. We instead base our loan approvals on your income.

What can You Use your 2nd Chance Loans Direct Payday Lenders for?

You can use it for multiple personal reasons such as:

  • Medical emergencies
  • Home repairs (such as a broken pipe)
  • The breakdown of a vehicle
  • The sudden need to travel
  • An occasion
  • Renovation of your house

While applying, you do not have to worry about providing us with an explanation or a reason about what you want a loan for. You can use the loan for any personal requirement of yours, but to be safe just be sure about your ability to repay it on time.


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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Consumer Notice: A payday advance is a small, short-term loan intended to cover a borrower’s expenses until their next payday. Payday advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory assistance. Consumers are encouraged to learn more about the risks involved with payday advances, local laws and regulations that may apply to payday advances, possible loan alternatives and recent developments in their state.

Legal Disclaimer:This website does not constitute an offer or solicitation to lend. PaydayLoanHelp.org is not a lender, does not broker loans, and does not make loan or credit decisions. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. PaydayLoanHelp.org provides a service only and is not acting as a representative, agent or correspondent for any service provider or lender. PaydayLoanHelp.org’s aim is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. PaydayLoanHelp.org does not endorse any particular service provider, lender or loan product. You are under no obligation to use PaydayLoanHelp.org’s service to initiate contact, or apply for credit or any loan product with any lender or service provider. Lenders or service providers will typically not perform credit checks with the three major credit reporting bureaus (Equifax, Experian and TransUnion). However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some lenders or service providers, in certain circumstances. You will not be charged any fees to use PaydayLoanHelp.org’s service. Learn more by reading our Rates & Fees section. To change your communication preferences for this website or to submit a comment or question you can contact us.

Availability: Residents of some states may not be eligible for a payday advance based upon lender requirements. PaydayLoanHelp.org does not guarantee that completing an inquiry form will result in your being matched with a service provider or lender, being offered a loan product with satisfactory terms or rates, or getting a loan from a service provider or lender.