If you need fast cash and your credit score in not so good, this site is for you.
We gathered here all the necessary information on Unsecured Short Term Loans that can be obtained online without credit check. Such loans include Payday Loans or Cash Advance and Car Title Loans.
For the convenience of US visitors, we put together in a single table Payday Loan Regulations by State..
In addition we give you some information on how to receive new or used car financing if you have bad credit.
Our recommendations are based on our ongoing search for better lenders.
But it is up to you to decide which lender and what loan to choose for your needs

Payday Loan

Payday loan (also called a paycheck advance, payday advance or cash advance) is a small, short-term loan that is intended to cover a borrower's expenses until his or her next payday. These loans are intended for people who have poor credit or require fast cash within 24 hours or less.

Payday loans are legal in the UK, Canada and Australia. In the US payday lending is legal and regulated in 39 states (click here to see the full list) and the amount offered differs from state to state and ranges from $250 to $2500.

If you can't repay your payday loan when it comes due, in some states you can "roll it over" to the next period, so that the loan is extended. You don't have to repay it, but fees keep accumulating. The interest on Payday loans in the US averages $25 - $30 for every $100 borrowed for the two weeks period.
In the UK the average interest is similar to the one in US - £25 - £35 for £100 borrowedand 'rolling it over' is allowed in the whole country.
In Canada you can borrow from $50 to $1500 and maximum charges permitted in provinces for a payday loan are 21% - 23% of the principal ($21-$23 for every $100 borrowed)
In Australia you can borrow from $100 to $1500. Australian lenders fees calculations are so different, that it is impossible to give the average.

Payday loans do not require credit checks, offer fast approval and 100 percent privacy protection. Signing up and qualifying for a payday loan is quick and easy, and in most cases there are no documents to fax. Once a lender approves you for a cash advance, they'll electronically deposit the payday loan amount directly into your checking or savings account.

Payday Loan Requirements:

Payday loan requirements vary from lender to lender. We list here range of values required by different lenders in tha same country.
To see the requirements by country Please Click Here

Important note:

US: Most of the sites offering Payday Loans in US are not lenders, but brokers and only few of them have loan fees listed on their sites. With all the others you fill out the application form, without knowing the real cost of the loan. Only after the application is transferred to the lender that works with the broker, you'll get the offer that you will not necessarily like. This process might just waste your time for nothing or you might end up paying too much for the loan. That is why it is important to work with lender or broker sites where you know all the loan details before you submit any of your personal information.

UK: In UK, due to the single fee structure, brokers can offer competitive rates and disclose them on their websites, so you can use brokers as well as direct lenders.

Our recommendations:

In the US we found a direct Payday lender that offers rates lower than any other lender we checked. The charges start from just $15 for $100 borrowed for the whole loan period allowed by state regulations.
The lender serves 21 states - Alabama, Alaska, Arizona, California, Colorado, Delaware, Hawaii, Idaho, Illinois, Kansas, Michigan, Missouri, Montana, Nevada, New Mexico, North Dakota, South Dakota, Utah, Washington, Wisconsin and Wyoming.
Another good feature we would like to mention is that the lender offers live chat on his website.
To go to the lender site please click here:   Get up to 1500.00 TODAY !!


In the UK we can recommend a Payday broker that offers lower end rates of £20 for £80 borrowed (£25 for £100 borriwed).
To go to the lender site please click here: 

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Car Title Loan

Car title loans (also called "auto title loans", "title loans", "pink slip loans" in California or "Log Book loans" in the UK) are typically short-term loans, usually up to 30 days, where the borrower's car title is used as collateral, while the borrower can continue to drive his car.

Car Title loans are a form of an unsecured loan similar to the Payday loans. The lender does not perform a credit check and the loans are available to people with bad credit history as well.

The borrower must own the vehicle completely to qualify for a car title loan, meaning that the vehicle must be paid off or, in some cases, almost paid off.

Most title loans can be acquired in 15 minutes or less on loan amounts as little as $100.

The maximum amount of the loan is determined by the collateral. A lender will offer a borrower an average amount of up to 50% of the of the car's resale value, although some lenders might offer up to 75%.

The loan must be paid off in a single payment at the end of the term of the loan. If the borrower is unable to repay the loan at this time, then he can roll the balance over and take out a new title loan. Regulators generally limit the number of times that a car title loan can be rolled over.
The inability to pay the title loan can lead to a permanent loss of the vehicle. The lender has the right to take the car and sell it to collect his money. The amount left after the paying the unpaid balance of Car title loan may be claimed by the borrower.

Requirements for a Car Title Loan:

Along with a picture ID, the auto title loan company typically wants extra documentation to prove identity and residency. Documents that might be requested include phone bills and utility bills in the borrower's name.

The pink slip needs to be clear of any liens. All previous loans on the vehicle need to have been already paid off. In some cases, the lender may want one set of working car keys. The title needs to be turned over to the lender upon approval of the loan.

Our recommendations:

In the UK we can recommend a Log Book Lender with lowest fees - £10 a month for every £100 borrowed. That is 2.5 times lower than Payday loan fees.
You can borrow from £500 to £25000 depending on the car value and there is no penalty for early repayment
To go to the lender site PLEASE CLICK HERE

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Bad Credit Auto Loan

If you have a bad credit rating, finding a car loan can be a difficult task.
Going to your bank for a loan is not an option in most cases of a bad credit rating.
You can try to get a loan at your car dealership, but dealers sometimes take an advantage of your situation and offer you unreasonable rates, so it is advisable to keep the financing separate from the car sale.
The only option you have left is to find an alternative lender and it requires a time consuming research for desirable loan rates. For all those reasons, in Car Loans, as an opposite to Payday Loans, the best choice is to use Auto Loan Brokers service.

An auto loan broker acts as a matchmaker between the buyer and the lender. A broker does not fund the loan but, working with several different lenders, finds a lender that can provide the best loan for a buyer, regardless of the buyer's credit situation.
In addition a broker has a lot of experience in dealing with auto loans and will help you to get a loan approval, because just one mistake in the loan application can lead to the loan denial.

Important note:

Dealing with auto loan broker has many benefits, but you have to find one that deals with many different lenders, so he will be able to find the best financing for your car.

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