On the hunt for a payday loans no credit check? 

Are you strapped for cash and can’t wait until your next payday? You might’ve been Googling ‘payday loan no credit check’ or ‘payday loans for bad credit.’ Well, fortunately, you’ve landed in the right place. At Pocket Cash, we understand the need for quick cash. We also understand that nobody is perfect, and past financial mistakes may have led to a dip in your credit score. 

We’re here to give it to you straight. Pocket Cash does not claim to match you with a lender that offers payday loans no credit check. Instead, we’ll do our best to find a lender capable of offering you a personal loan despite your less than perfect credit score. Sound good? Read on to find out more! 

Who Is Pocket Cash? 

Before we get into the nitty-gritty of payday loans no credit check, we thought it’d be a bit rude not to introduce ourselves first. We’re Pocket Cash. The lender-finder more Aussies are turning to for fast online personal loans from $2,100 to $10,000. 

What’s a lender-finder? We’re glad you asked! Let’s be clear, we are not a lender. We simply gather your personal information to show a range of different lenders so you get the best possible chance of approval, without having to submit numerous applications. Our team is committed to making the entire process simple and stress-free. Applying with us can take only a few minutes and then you can sit back and relax while we search for a compatible lender for you.

What are payday loans no credit check? 

To put it simply, a ‘payday loan no credit check’ is a cash advance you can apply for when you’re struggling to make it to your next payday. Wondering about the ‘no credit check’ part? Well, that’s where things get a bit tricky. If a lender claims to not conduct credit checks when assessing your application, it means they aren’t going to look at your credit report when determining your eligibility. While this may seem ideal, it could mean they aren’t lending responsibly. Most lenders will run a credit check on a loan application as part of their routine assessment and responsible lending obligations. A credit check doesn’t always mean a rejected application though!

With Pocket Cash, you can submit an application online and we’ll do our best to find you a lender that is willing to look past your credit score. That’s right! Despite what you might think, several online lenders these days prefer to have a fresh approach when it comes to bad credit. 

Will my lender check my credit score?

In most cases, yes, but it’s not as bad as you may think. Pocket Cash works with a range of online lenders and many will conduct a credit check as part of their assessment. You might think that’ll hold you back from accessing finance. Well, not necessarily! If we match you with a lender that offers bad credit personal loans they may also look at other factors.  

For example, they may look at your bank statements as a form of verifying your income as well as your spending habits. This allows them to assess whether a personal loan is suitable and affordable to you. 

Who can apply? 

Pocket Cash doesn’t claim to find lenders offering payday loans no credit check. We can, however, find lenders offering bad credit personal loans. If you’re wondering if you’re eligible for our lender-finding service, we’ve provided a list of criteria that you will need to tick off. To be eligible you need to:

• Be 18 years or older;
• Have an active email address and phone number;
• Be an Australian citizen or Permanent Resident;
• Have had a regular income deposited into a personal bank account for the last 3 months; 
• Have internet banking set up.

That’s it! If you can say yes to all of the above criteria you’re eligible to apply for our lender-finding service.

What documents will I need to provide?

 At Pocket Cash, we won’t ask you for mountains of paperwork. We just need a few important details before we begin our search for a lender. To breeze through the application, we recommend having these details on stand by:

• Personal info (name, D.O.B, etc.); 
• Internet banking details;
• The reason for your loan;
• MyGov details (if your receive Centrelink benefits); 
• Employment details and employer contact info.

How does it work? 

Applying for a personal loan has never been easier. Our application process is 100% online meaning you can apply from the comfort of your own home. Simply select your desired amount and repayment period, fill out the online application form and that’s it! Next, we’ll begin our search by showing your application to a number of online lenders to improve your chances of approval. If we’ve been able to find you a compatible match, we’ll pass your details on to your new lender. 

You’ll then be assessed, which will include a credit check and the lender viewing a read-only copy of your bank statements. If approved, you’ll need to sign a contract. Once your lender receives your signed contract they’ll release your funds and you’ll have the cash in your account in no time!

Ready to apply? 

Although Pocket Cash doesn’t claim to find ‘payday loans no credit check’, we can locate the next best thing – bad credit personal loans! So, if you need cash quickly, don’t sweat it. Whether it’s for bills, repairs, or taking the trip of a lifetime – if you can’t wait until your next payday, apply with Pocket Cash! 

We specialise in finding online lenders to save you the time and hassle of submitting multiple applications. If bad credit has prevented you from accessing finance in the past, then don’t stress. You’re in the right place! Scroll up now to find our loan slider and begin your application!

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