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Loans online from direct lenders, instant approval. Bad credit score options. Requirements and no credit check. Apply now online. When you request a payday loan, you must be aware that a credit check may be involved. No Credit or Bad Credit OK! If you have no credit at all, there is nothing for a lender to check, except for your employment income or any income you receive. Apply for no fax cash advance now and repay in several fixed payments instead of lump sum payments as with payday loans. This is a % Secure No Fee Loan Application Please Tell Us About Yourself.