One of the most frequently asked questions about online payday loans is if you can get one without a credit check. Let’s be very clear about this: no, you cannot. It’s practically impossible to get through the short-term loan request and application process without someone checking your credit score. Some reasons customers want to receive funding this way include:

Debt is expensive – but one way to spend less on money owed is by combing your debt with a payday loan consolidation program. Read on for information about new companies in this growing industry.

Debt. The word itself is heavy. It’s like having a mountain on your back and being asked to carry it like Atlas. In America, pretty much everyone has some debt. 65 percent of Americans have mortgage debt totaling $8.74 trillion. But mortgages are considered an acceptable debt. However, many Americans also face rising consumer debt along with student debt.

Everyone waits until the last second to file their taxes, whether they owe money or not. It’s a bad plan for the three-quarters of Americans who will enjoy a refund this year, as the sooner they get their money, the sooner they can put it somewhere it will accrue interest (and that’s not Uncle Sam’s pockets). But it’s understandable for the rest of us to hold on to our money as long as possible before handing it over to the IRS. If you don’t have the money on hand, you might need to use a payday loan to pay your income taxes and so you can file your 1040A Individual Income Tax Return.

The Consumer Financial Protection Bureau is an agency created by Dodd-Frank (the Dodd–Frank Wall Street Reform and Consumer Protection Act). It offers financial protection to consumers. While it mostly deals with mortgages, credit cards, and student loans, it also covers short-term lenders (like payday lenders), installment loans, and debt collectors.

Read our blog for an in-depth look into CashNetUSA’s prequalification requirements, application process, financial products offered, and more.

There is no shortage of websites that let you purchase checks online, but not all of them are reliable or reputable. ChecksUnlimited.com is a BBB (Better Business Bureau) Accredited Business with an A+ rating which provides personalized checks in the mail for personal accounts. In addition, there is also a Business Products Division through which the company offers business checks and a range of other business products.

If you need money now, then you might benefit from a paycheck advance. It’s a type of short-term loan that you pay back when your employer pays you.

There are plenty of reasons not to get a payday loan. For one thing, it’s an expensive way to borrow money. You’re better off using a cash advance alternative that can still get you fast, emergency cash.

You might be better served by an online loan even though it probably won't put money in your account until at least one business day after you request your funds.

When you’re trying to find a payday loan during afterhours, you might need to forgo your local stores and go with an online option instead. If you’re looking for a cash advance store that’s open late, then it might help to know what your options are. That’s why we wanted to compile some data for you about locations across the U.S. and what hours they tend to be open at. If you want to request a cash advance right now, you can use our online form and be paired with a lender within a few minutes.