Compare loans before you apply! Many payday lenders at loan places and online claim to offer payday loans with no credit checks but they charge extra fees that stay hidden in the fine print of the loan document. Thus, no credit check loans are expensive than loans with credit checks. However, OnlinePaydaySpot, in order to help bad credit borrowers in need of fast cash, provides best cheap loans online alternatives at no extra costs.

Our no credit check payday loans with competitive interest rates have no hidden fees and no traditional hard credit checks. Moreover, they are designed to be paid pack by your next pay date; making it more affordable and convenient to pay back in single payment without stretching over a long term. Thus, our affordable payday loans are type of short term loans helping you in emergency. In an unfortunate event, if you fail to pay back, you have the option to extend or rollover the loan. Understand that, such a thing involves rollover fees depending on the amount due.

Our Small Personal Loan Rates and Terms

  • The fee for our low cost payday loans is $30 for every $100 borrowed. Our payday loans term is minimum seven days and maximumb 30 days. But you can pay off the loan early with no prepayment penalties.
  • The Annual Percentage Rate (APR) that is the interest amount on the entire online loan you will pay annually, ranges from 365.00% to 1564.28%. However, this depends on the payday loan term.
  • In case, you find it difficult to repay the loan on the particular due date, kindly get in touch with our customer support team for help with extension at a reasonable fee. Note that only two extensions are allowed.

  • Cheap payday loans payment is debited electronically from the same account authorized for cash deposit. Thus, there are no hassles of writing checks.
  • We offer 72-hour loans satisfaction guarantee. If you wish to cancel the loan taken, you can withdraw the cash advance loan within three immediate days with no cancellation charges. Do contact our customer care team for assistance.

For representative APRs, kindly refer the following table.

Term
(days)

Loan Amount

$200.00

$300.00

$400.00

$500.00

Fee

A.P.R.

Fee

A.P.R.

Fee

A.P.R.

Fee

A.P.R.

7

$60

1564.28%

$90

1564.28%

$120

1564.28%

$150

1564.28%

8

$60

1368.75%

$90

1368.75%

$120

1368.75%

$150

1368.75%

9

$60

1216.67%

$90

1216.67%

$120

1216.67%

$150

1216.67%

10

$60

1095.00%

$90

1095.00%

$120

1095.00%

$150

1095.00%

11

$60

995.45%

$90

995.45%

$120

995.45%

$150

995.45%

12

$60

912.50%

$90

912.50%

$120

912.50%

$150

912.50%

13

$60

842.31%

$90

842.31%

$120

842.31%

$150

842.31%

14

$60

782.14%

$90

782.14%

$120

782.14%

$150

782.14%

15

$60

730.00%

$90

730.00%

$120

730.00%

$150

730.00%

16

$60

684.38%

$90

684.38%

$120

684.38%

$150

684.38%

17

$60

644.12%

$90

644.12%

$120

644.12%

$150

644.12%

18

$60

608.33%

$90

608.33%

$120

608.33%

$150

608.33%

19

$60

576.31%

$90

576.31%

$120

576.31%

$150

576.31%

20

$60

547.50%

$90

547.50%

$120

547.50%

$150

547.50%

21

$60

521.43%

$90

521.43%

$120

521.43%

$150

521.43%

22

$60

497.72%

$90

497.72%

$120

497.72%

$150

497.72%

23

$60

476.08%

$90

476.08%

$120

476.08%

$150

476.08%

24

$60

456.25%

$90

456.25%

$120

456.25%

$150

456.25%

25

$60

438.00%

$90

438.00%

$120

438.00%

$150

438.00%

26

$60

421.12%

$90

421.12%

$120

421.12%

$150

421.12%

27

$60

405.56%

$90

405.56%

$120

405.56%

$150

405.56%

28

$60

391.07%

$90

391.07%

$120

391.07%

$150

391.07%

29

$60

377.58%

$90

377.58%

$120

377.58%

$150

377.58%

30

$60

365.00%

$90

365.00%

$120

365.00%

$150

365.00%

Save money, time and efforts.

Now that you are aware of our online loan lending terms and costs associated, stop looking for “loans near me” and get started with online loans for bad credit from direct payday lenders immediately. Apply for legitimate payday loans no credit check that are better than bank loans when you need instant funds for bad credit with no faxing.

Life stories: Words from our loyal customers.