Top 5 Online Payday Loans For People With Bad Credit

Payday loans are a common form of financing for thousands of people across the US and offer a quick way to generate cash for unexpected expenses. Payday loans for bad credit usually feature high interest rates — but if you dig a little deeper, you’ll find a number of payday loan providers who can offer consumers with bad credit a reasonable interest rate.

Payday Loans for People with Bad Credit – Quick Decisions, No Hassle

As discussed above, there is a plethora of payday loan services out there, and below is a list of the top picks, highlighting their strengths.

  1. Viva Payday Loan: Overall best for payday loans with bad credit
  2. heart paydays: Best for bad credit installment loans
  3. credit clock: Overall best for quick payday loans with bad credit
  4. Money Lender Team: Best to deposit for payday loans online same day
  5. Very happy loans: Best for quick payday loans online bad credit

Payday loans online bad lenders in 2022

Payday loans Bad credit lenders are financial institutions that consider providing loans to people with bad credit, considering whether a borrower can repay their loan on the agreed date based on their current affordability status. In general, payday loans with bad credit can come with higher interest rates due to higher repayment risks, but this varies from lender to lender.

Below are the top 5 tips to get online payday loan with bad credit.

1. Viva Payday Loan – Best payday loan with bad credit

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Viva Payday Loan is one of the best bad credit payday loans that serves between borrowers and direct lenders, welcoming US customers regardless of a person’s credit history. All you have to do to access payday loans online is to visit their website and follow the instructions there.

The final approval of your loan and the lender’s decisions are based on your creditworthiness and affordability.

Benefits of Using Viva Payday Loans

  • Access to small and large amounts of money ranging from $100 to $5,000
  • It connects borrowers with credible lenders
  • Payment can be made directly into your bank account

Disadvantages of using Viva Payday Loans

  • High interest rate with a minimum of 5.99% and a maximum of 35.99%
  • Availability is limited to some states.

Click here to visit Viva Payday Loans >

2. Heart Paydays – Best for installment payday loans with bad credit

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Heart Paydays are famous for providing installment loans and charging minimal interest rates in the United States. This platform demonstrates inclusivity. Heart Paydays has an exemplary user interface that is easy to navigate. In addition, the application process will be confirmed in the shortest possible time.

Benefits of using heart paydays

  • Mild repayment conditions
  • The repayment can be made in installments
  • Speedy application approval
  • Your application can be approved even if you have bad credit.

Disadvantages of using heart paydays

  • It is not available in some states like Hampshire, New York and Montana.
  • Taking out a short-term loan can be more expensive than a traditional bank loan.

Click here to visit Heart Paydays >

3. Credit Clock – Best overall for same-day loans with bad credit

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Credit Clock is a credit reconciliation service that serves as a link between borrowers and lenders. This company has an impeccable reputation in the market and makes online small payday loans to borrowers even if their credit score falls below 630. The application process is seamless as Credit Clock offers different types of loans including payday loans, short term loans and term loans.


  • Payments are made available quickly depending on approval
  • Loan amounts up to $5,000
  • Applicants with bad credit are welcome
  • Smooth application process.


  • Credit clock services are not available in 11 US states
  • You cannot access the loans unless you make at least $1,000 a month.

Click here to visit Credit Clock >

4. Money Lender Squad – Best Fast Payday Loan With Bad Credit

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Money Lender Squad is a loan matching platform that offers easy online payday loans with instant approval for bad credit, subject to final lender checks, which you can repay within 3 to 24 months depending on the agreement. This platform also offers one of the best bad credit loans ever.

You can use its services through the easy-to-navigate platform that connects you with credible lenders to choose from. You must read a contract with terms and conditions before payment is made.


  • The application process is quick and easy
  • You can access credits of up to $5,000
  • Deposit payday loans online same day
  • Repayment duration could last for 24 months


  • High fees and interest
  • The loans can be higher than you expected and you’ll end up in even more debt.

Click here to visit the Money Lender Squad >

5. Very Merry Loans – Best for quick payday loans online bad credit

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Very Merry Loans offers a credit matching service for quick online payday loans with bad credit. It is a reputable online broker founded in 2013 that works with lenders that offer competitive loan terms, with users getting up to $2,000 quickly.

The application process is smooth. The borrower can apply for the loan term that they think suits them. Very Merry Loans also offers a service where you can get same day payday loans for bad credit online subject to being accepted by a relevant lender.


  • Works with lenders that offer same-day payouts
  • Several short term loan options to choose from
  • The repayment period can be about two years.


  • Interest rates differ from lender to lender

Click here to visit Very Merry Loans >

Procedure for applying for payday loans in case of bad credit

If you want to get connected with top-notch lenders in a short period of time regardless of your credit score, check out Viva Payday Loans. Here is a step-by-step guide to go through the procedure.

Step 1: Choose your loan amount on

Step 2: Complete your registration by filling out the registration form

Step 3: Wait for a decision from one of their lending partners

Step 4:
If accepted, you will receive your loan subject to further checks

Online payday loans with bad credit are excellent to meet urgent needs and emergencies, but be careful and use them wisely. If you need to take out a payday loan, you should use trustworthy and credible services like Viva Payday Loans. However, before you apply for payday loans, make sure that you have researched other loan options.

Frequently asked questions about online payday loans with bad credit

How Did We Pick Best Bad Credit For Online Payday Loans?

The above are some of the top picks for the best online payday loans with bad credit as they work with a wide range of lenders, credit networks and third party providers who consider those with bad FICO scores to help you with your inquiry.

What are the general requirements for applying for a bad credit payday loan?

  1. You must be at least 18 years old to apply for a loan
  2. You must have proof of your permanent residence
  3. The borrower must have a stable source of income and earn at least $1,000 per month
  4. You must have a valid US ID

Are bad credit payday loans made available to everyone on the same day?

You may be able to get your bad credit payday loan approved the same day, but this depends on the lender approving your application. All applications are subject to further review, so in some cases the approval deadline may not be until the next business day.

Disclaimer – The above content is non-editorial, and TIL hereby disclaims all warranties, express or implied, with respect thereto and does not warrant, vouch for, or necessarily endorse the content.

The verified credit websites are credit matching services, not direct lenders, so they are not directly involved in accepting your loan request. Applying for a loan through the websites does not guarantee acceptance of a loan.

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