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Looking For Bad Credit Payday Loans?

We might have an excellent solution for you right now!

If a lender promises 'payday loans for bad credit', 'no credit check', 'no faxing' or 'instant approval' - they are misleading you, as all lenders do some kind of credit check! BUT... If you have less than perfect credit it's good to know that all payday lenders will still fairly consider your request. As long as you have a stable and verifiable source of income - you have chances to be approved!

If you've found yourself in an unexpected financial emergency it can be extremely stressful to find extra cash. We will do our best to help you obtain a payday loan (otherwise known as a cash advance) even if you have bad credit.

Payday loans are a short and simple commitment, designed to tide you over until your next pay check arrives. Borrow between $100 and $1,000, pay it back in around two weeks, and all you're charged is one flat fee! Everyone faces financial hiccups from time to time, but there's no need to panic as our network of over 100 lenders are ready to lend today!

All you have to do is fill out our simple loan request form, and we'll try to automatically match you with one of lenders in our network - saving you the hassle of having to apply one by one.

If matched, all further communication regarding your loan request will be held between you and your lender.


If approved by lender, you will normally see the money in your account as soon as the next business day - perfect for time sensitive financial emergencies! No one has that stamina to wait for days, if not weeks, just to get a small amount of money. This is just one of the many reasons why more people are opting for payday loans instead of credit from the bank.

The basic requirements are that you are a legal US citizen over the age of 18, with at least a basic checking account where the loan can be deposited and repayment taken - if you fit all these requirements, lender will consider your request.

Thought it was more difficult?


Gimmicks vs Reality

You may have heard horror stories about payday loans, but this is often the result of unscrupulous lenders using gimmicks to get you to sign up.

Legitimate payday lending is legal in most US states, there are no hidden fees, and you don't pay a high rate of interest unless you fail to make repayment on the agreed upon date - and even then regulations prevent lenders going overboard.

We work with a network of over 100 registered payday lenders, who will provide you with the full terms and conditions before you ever sign an agreement.

We repeat - If a lender promises no credit check, no faxing or instant approval, they are misleading you!

Still, less than perfect credit does not automatically disqualify a loan request from being considered. Likewise most lenders will require some kind of supporting documentation which must be faxed if you can't forward statements online.

Why choose a payday loan?

The main advantage of a payday loan is the simplicity of requesting one and the speed of approval. After you sign an agreement with a lender, you can see the cash in your account as soon as the next business day! No bank or large lending group has such as fast turn around.

Payday loans are also perfect for those who for whatever reason don't have a credit card or access to other forms of credit.

The whole application process can usually be completed online, and repayment is easy and automated, using the bank details you provide. As long as you legitimately need cash to cover some unexpected expenses until your next pay check, there's nothing more efficient than an online payday loan.


The advantages of online processing

The internet has changed our lives, and made it much easier in a number of ways. We can now pay our bills and shop online, and socialize with friends and family. This has gone a notch higher whereby people can apply for loans through the internet from the comfort of their homes by using any internet connected device.

Cash advance loans were first offered by banks on a physical level, which required the applicant to physically be completed at the bank, have a little chat with the lender (this actually included a thorough screening), and then discuss why they needed the loan. As you can see, this was a bit of a put off to most people. Even worse if you were rejected, you would have to find another lender and go through the whole ordeal again. We streamline the process by working with many different lenders, matching you with one of them in minutes.

Remember, payday loans are:

  • Easy to apply for, with a high approval rate, and no hoops to jump through.
  • Your personal and banking information is secured by encryption and never sold.
  • You could see the cash in your account as soon as the next business day.
  • Repayment is automatic and coincides with your next pay check.
  • Flexible amounts from $100 to $1,000 are available.
  • Regulated by state law.
  • Open to any US citizen over the age of 18 with a full time income.

So what are you waiting for? If you think a payday loan is for you, hit the button below and tap in to our network of 100+ lenders!

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Consumer Notice: Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Payday loans are not an effective way to solve such a problem, and may get one further in to debt. Federal and state laws cover certain types of lenders and loans, including short-term loans. Consumers are encouraged to research laws that may be applicable to payday loans, as well as ask their lenders for more information.

Availability: Residents of some states may not be eligible for a payday loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being approved by a service provider or lender, being offered a loan product with satisfactory rates of terms, nor receiving a loan from a service provider or lender. The lender you are approved by may not offer the best possible terms and borrowers should always compare all available options before making any decisions.

Disclaimer: This website does not constitute an offer or solicitation to lend. DetroitHarmonie.com is not a lender and therefore cannot determine whether or not you are ultimately approved for a short term loan, nor can we determine the amount of credit you may be offered. Instead, we facilitate business relationships between consumers like you and the lenders in our network. DetroitHarmonie.com doesn't charge any service fee. Our purpose and goal is to match you with lenders from our network who can provide you with the cash you need in any emergency. We will never act as an agent or representative for any of our lenders. You are under no obligation to use DetroitHarmonie.com's service to initiate contact, or request credit with any of the lenders. This service is not available in all states and the service availability and scope are subject to change without notice. Subject to our Privacy Policy, we will transfer your information to lenders in our program and other service providers and marketing companies with which we do business. DetroitHarmonie.com does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or on the desirable terms, or receiving any approval from a lender in the first place. Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Cash transfer times and terms may vary from lender to lender. Not all the lenders in our network can provide up to $1000. The limits and regulations vary from state to state. We remind that short-term loans are not a long term financial solution.