Fast Online System

Fast Online

No Hard Credit Checks

No Hard
Credit Checks

No Prepayment Fee

No Prepayment Fee

500,000 Customers

500,000 Customers

Our Payday Loans are Fast and Easy

The loan process is complete in just 3 steps:

Online Application

24x7 Availability and No
Application Charges

Instant Approval

Once Verified for Eligibility, No
Delays Occur

Direct Deposit

Finds Credited Right after the
Offer is Accepted

Quick Loans that Bring You Reassurance


Worrying about being able to secure money at a time of need is not what customers of Central Payday have to deal with. We are dedicated to providing quick payday loans with no credit check and no employment verification that are easy to qualify for and provide funds with no delays. With us, you can:

  • Apply for a loan at any time
  • Get a quick loan approval
  • Be approved no matter what your credit score is
  • Accept our loan offer online
  • Prepone or postpone payments (refer to agreement terms)

Your no verification loan gets deposited typically in less than a single day.

Why do we offer No Credit Check Loans

Direct Lender Online Payday Loans

Have you ever wondered why the credit system is designed such that roughly half of adults are unable to keep their credit scores healthy? No matter what the reason, financial needs don't come to only those with healthy credit scores.

For this reason, we believe that the market must provide borrowing solutions for those whose credit scores are not the best. With online loans with no income verification, we make sure not to trouble you with strict income-proof checks, thus making loans accessible to you at any time.

By providing No Credit Check Loans, or loans that feature no hard credit checks, we are not just able to offer a solution for borrowing that's available to bad credit score holders, but we are also able to save time as a hard credit check can indeed induce significant delays in the loan approval process.

What's more? A loan with no hard credit check leaves no dent in your credit reports.

We offer short-term loans only and from a short-term perspective, your income tends to be a better indicator of your ability to repay a loan versus your credit scores. So, our loan approvals are primarily based on income rather than being based on credit performance. As long as you can provide us with the necessary details, providing payday loans without bank verification to you is a simple task for us.

Why Choose an Online Direct Lender of Payday Loans?

When looking for a quick short-term borrowing option such as a payday loan, you're likely to be in a demanding situation already. Running around trying to look for a suitable pawn-lender or approaching a broker is likely to take up much of your time and even cause issues such as delays, higher costs due to commissions, and a lack of clarity or transparency in terms of the loan.

Instead, choosing the right online direct lender for no verification loans can help you avoid all such issues. With Central Payday as your direct lender, you stand to benefit thanks to:

  • A fully online system that you can access from anywhere
  • No need for any faxing or paperwork
  • No third-party induced delays
  • Complete transparency in lending
  • Loans up to $1,000
  • Flexible repayment options (subject to eligibility)

Central Payday – Top Loan Features

Is your next payday a little too far away? We can help. As an employed individual with a consistent income, you can avail of a cash advance of up to $1,000 easily through our online services at Central Payday. You can then repay the due amount on your next payday or on any convenient day within 30 days from the borrowing date. If you need a loan with a longer tenure, check with us to see if you can qualify for an installment loan.

Guaranteed Payday Loans – Get Cash No Matter What

A payday loan loses its value it is hard to get or is unreliable. Anyone looking for a payday loan is likely to be facing a need and in such a situation, a failed attempt is indeed unwelcome.

Here's how we address your needs – we provide guaranteed payday loans, no matter what, and with us, you can rest assured that a loan shall certainly be approved as long as you qualify for it. First-time users are guaranteed loans of up to $500 subject to eligibility and upon timely repayment, future loans can come with a guaranteed approval of amounts up to $1,000.

In addition, our direct lender payday loans with no credit checks are automatic with the loan amount and finance charges being debited electronically from your account on the scheduled date.

Loan Option for Every Need

Our most popular loan options include:


Consumer Information

*THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders, and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. Providing your information on this Website does not guarantee that you will be approved for a cash advance. 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. Not all lenders can provide up to $1,000. Cash transfer times may vary between lenders and may depend on your financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions, or concerns regarding your cash advance, please contact your lender directly.

Terms such as “guaranteed approval”, “same day loans”, “instant approval”, “bad credit ok”, “one hour deposit”, “instant deposit”, “no credit check”, “second chance loans” etc. are only indicative. Certain conditions, federal or state laws, and safety considerations may require the loan approval and/or disbursal process to deviate from what such terms may imply. All loan products are subject to various terms and conditions and parts of the lending process may be subject to system limitations and third-party verifications which can cause time delays and loan rejections. Some restrictions may apply.

CentralPayday is not a lender and does not make any lending or credit decisions. Loans up to $5,000 are available from our connected direct lenders. However, not all lenders can provide you with that amount. Not all states are eligible for our service. Receiving a loan offer is not guaranteed if you submit a loan request through Central Payday.

Short-term loans and cash advances are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a cash advance based upon lender requirements. This service is not available in New York or to New York borrowers due to interest rate limits under New York law.