Payday Loans
Get up to $5000

Start your online loan
application today!
By submitting your information you agree to Privacy Policy, Terms of Use and Responsible Lending Practices

Applying does NOT affect your FICO® credit score!


No Credit Check Payday Advance at Nation21

A financial emergency no matter how small it is can intimidate you and bring on a sense of hopelessness. But this doesn’t mean you are helpless because there are ways to help you get across a rough financial patch in your life. Before you can start pursuing different payday loans, it’s important that you understand the various loan products that can suit your needs.

If you don’t know where to start, Nation 21 is here to help you get the best loan service and we have been trusted by many people to help them with their loan needs. A payday advance loan is a good way of helping you deal with a small expense like a health bill or an automobile repair expense. Most lenders will synchronize the repayment date with your next payday meaning the money is due for payment in two or three weeks.

Applying does NOT affect

your FICO® credit score!

What does a “no credit check” payday cash advance mean?

More often than not, this means that the lender will not perform a hard credit check but instead, they count on a soft credit check. The difference between the two checks is that a hard credit check will have a negative impact on your credit score while a soft credit check is harmless. Unfortunately, most traditional banks will always conduct a hard credit check on their loan applicants. This leads to a lowered credit score and more difficulties during future loan applications.

On the other hand, a considerate payday lender will only perform a soft credit check so that the client is cushioned from the unnecessary credit score drops. In addition, this will also ensure more people are able to get financing irrespective of their credit scores. Therefore, the next time you hear about a no credit check loan just know that it means checks involved won’t hurt your financial profile.

How do these loans work?

There are different lenders out there and the process may vary depending on the company you’ve chosen to work with. However, most lenders have application processes that are almost similar in most aspects.

You can apply either online or in a storefront. For the online applications, you can submit your request from home or your office and it only takes a few minutes to finish the application. The approval process is also quick and you can get the lending decision almost instantly.

However, you should be ready to submit your personal details like banking and income information to the lender. While a pay stub is usually sufficient to prove that you have a regular source of income, people in self-employment may be required to present several tax returns documents before they are approved.

The fact that the process is quick and the turnaround time can be as short as one day has made these loans favorite to most people. This is contrary to loans issued by traditional lenders like banks which take several weeks before the process is completed.

After you’ve been given the loan, you are expected to pay back the whole amount on your next payday. This is because most lenders will synchronize the loan with your pay date. If you don’t make the payment on the agreed date, the lender may allow you to get an extension but you have to pay all the accrued interests.

Are there any alternatives?

The finance industry has evolved rapidly and now you can get various loan products offered by different lenders. In the past, the only place where you could get a loan is through the bank and the types of loans available were few. But with a multitude of alternative lenders in the market, you can access different loan products.

However, this will depend on your preferences as well as qualifications from your lender. If you need to get a small amount of money urgently, a no credit check cash advance can be an excellent way to have the funds. Nevertheless, it is also possible to get an installment loan which gives you an even more flexible repayment term.

You can get all these services through Nation 21 because we are committed to serving a wide range of clients. This means that you can still get funded even when your credit score is not perfect. Also, we have an easy and secure online platform so you won’t need to make a trip to any physical location to make the application.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?