Second Chance Payday Loans

Guaranteed Approvals, even for Rejected Borrowers

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Applying Does NOT Affect Your Credit Score

Fast Online Instant Approvals

Fast Online
Instant Approvals

500,000 Customers


No Prepayment Fees

No Prepayment Fees

Flexible payments

Flexible payments

Second Chance Payday Loans offering Guaranteed Approvals

Second Chance Payday Loans

Ambiguity is simply something you do not want when you are looking for a second chance payday loan. We eliminate ambiguity by providing guaranteed approvals on our second chance loans to all eligible borrowers.

So, suppose you need a loan that has absolute certainty of being approved. In that case, you simply need to provide evidence of your loan eligibility as per our qualification terms. Once we assess your income and verify your eligibility, a loan shall be approved as long as everything is in order.

What is a Second Chance Payday Loan?

When you've been rejected a loan, your credit history likely features the loan rejection. This raises the chances of rejection when you apply for another loan. A second chance loan for bad credit is specifically designed not to be impacted by a previous loan rejection, and its approval is typically independent of your credit history and scores.

Our second chance payday loans online feature these benefits:

What is a Direct Lender 2nd Chance Loan?

2nd chance loans are typically offered by direct lenders that are non-bank lending entities. Brokers may also offer such loans, which a 2nd chance loan direct lender ultimately gives out. Choosing such a loan has certain advantages:

Can I Get Second Chance Loans with Bad Credit?

Your credit score – no matter how low it may be – shall have little to no impact upon your loan's approval. Second chance loans are designed for bad credit borrowers, and they're hence based primarily upon income. So, if you have a stable monthly income of $1,000 or above, you need not worry about your credit scores while you apply for your loan with us.

I've been Rejected for Loans Many Times. Will this Still Work for Me?

A second chance payday loan from Central Payday is not just a second chance – even if you've faced multiple rejections, you're welcome to apply for the loan we offer. We have approved many loans for borrowers who considered our service as a last resort, but today, after having experienced our services, many such borrowers choose us for every loan they need.

What about Personal and Installment Loans?

Need repayment flexibility? We're here for you. With us, you can get second chance personal or installment loans too. Repay in a monthly or bi-monthly schedule that’s spread across a few months – which shall depend upon your eligibility and preferences.

Apply for a Second Chance Payday Loan

Applying for a second chance payday loan with no credit check is very simple when you choose Central Payday. We shall need these details/documents to assess your loan eligibility:

Why wait for your next payday? Central Payday gives you instant access to the funds you need. Apply for a second chance payday loan and get your funds through a simple and reliable online process.


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.