Top No Credit Check Instant Approval Guaranteed Approval For 2022


Having a poor credit score limits you from acquiring loans to sort out your financial emergencies. That’s because most lenders have to be sure of your ability to repay your debts before they can offer you the requested funds. However, payday loans are easily accessible on desktops, smartphones, or other smart devices. 

This guide will walk you through the best payday loan platforms to help you get no-credit-check instant loans. 

Top No-Credit-Check Instant Approval Loan Platforms in 2022

1. Viva Payday Loans 

Viva Payday Loans offers a variety of loans, including personal loans, payday advances, and installment loans. They work with lenders to provide you with loan deals designed for everyday Americans. These loans have low-interest rates ranging from 5.99% to 35.99%.

Viva Payday Loans offers loans of up to $5,000 with terms from 2 to 24 months. They also consider your previous borrowing history with them so that you are offered the best possible rate. 

Their service is quick and easy, so whether you need some extra money to pay an emergency bill or are looking to consolidate your debts, you can rely on them. Visit their website at to find what works for you.


  • Get loans up to $5,000.
  • Every credit profile is considered.
  • Does not require a high credit score.


  • Available in limited states.
  • They offer only payday loans to some applicants.

Visit Viva Payday Loans >

2. Heart Paydays

Are you looking for instant low-interest loans without collateral? Heart Paydays Loans is a reliable installment loan provider with great rates and flexible term lengths so that you can get as little as $100 and as much as $5,000 in just 24 months. 

These lenders provide installment loans and even payday loans in just a few minutes! They offer competitive interest rates ranging from 5.99% to 35.99%. If you’re looking for a way to make ends meet, submit your Heart Paydays loan application today and get quick cash.


  • Get a quick loan for as little as $100.
  • They have a quick and easy-to-use application process.


  • It is not available in all states.

Visit Heart Paydays >

3. Credit Clock 

An exceptional fintech startup offers instant loans with the lowest interest rates. Credit Clock is a payday loan company that provides easy access to short-term loans with flexible approval. You can choose the amount and duration of your loan by clicking on the “get started” and filling in a two-minute application form.

Credit Clock is a small, consumer-friendly financial company that offers small loans with an interest rate of 5.99% to borrowers with a monthly income of at least $1000.

They specialize in providing short-term loans to individuals in the United States. However, the company is not currently licensed in states like Vermont, Montana, western Virginia, and New York. 


  • Easy-to-understand application form.
  • Can apply for up to $5000. 


  • You need to earn at least $1000 monthly to apply successfully.

Visit Credit Clock >

4. Money Lender Squad 

You don’t need to be rich to get small business funding! The Money Lender Squad offers loans within 24 hours because they partner with lenders willing to lend up to $2500. Whether you need a loan for a homecoming event or much more, they can help.

Money Lender Squad offers a safe, easy, and convenient way to get your cash instantly. They help people with broken credit scores and poor credit histories get loans from credible lenders. 

Money Lender Squad offers better rates of up to 35.99% APR over short-term loans with a payment period ranging from 3-6 months. Unfortunately, they do not provide services in Vermont, NYC, Indiana, Minnesota, South Dakota, brand-new Hampshire, and Arkansas.


  • Quick and easy application.
  • No guarantor is required to get a loan successfully.


  • It does not operate in over five states.

Visit Money Lender Squad >

5. Very Merry Loans

There’s nothing more frustrating than not affording the needs of your family & friends. That’s where Very Merry Loans come in; they offer instant and affordable loans. 

Offering up to  $5,000 at competitive rates, Very Merry Loans assure you of a “very merry” holiday investment for your loved ones.

Very Merry Loans offer a selection of home loans, car loans, and personal loans. They work with you to find the proper funding for your needs. They are transparent about their lending terms at every step, so it’s easy to understand.

With Very Merry Loans, you can get your money in one business day. You can also set up an automatic repayment on your due date, reducing credit score loss.


  • Fast loan approval.
  • Can get access to a loan with a bad credit history.


  • Interest rates on loans vary across different lenders.

Visit Very Merry Loans >


No-credit-check payday loans are an excellent way to get quick cash. They do not require a credit history; thus, people with bad credit can still access funds. Though these loans come with additional fees, they are worth the extra expense.

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