Payday Loans Credit Score 400 Guaranteed and No Telecheck – The Truth Exposed

payday loans credit score 400 guaranteed and no telecheck
  • There are no authentic lenders who will tell you that you would pass without checks and the majority of them employ some means of checking such as verification of income, bank account and the like.
  • The likelihood is that a number of payday lenders operating in the United States extend loans to persons with a 400 credit rating and no telecheck; however, some caveat is provided for each lender.
  • According to research, primary lenders such as Check Into Cash, Advance America, and CashNetUSA, who are well-known for their lenient credit standards and accepting online applications, do appear on the list.
  • The evidence suggest rapid approval (often while you wait) and high rates of interest (sometimes as much as 400 percent), and short periods for loans (generally 2 weeks) is the pattern.
  • An unexpected detail is that some lenders, like World Finance, have offered long-term loans which addresses other financial obligations.
There are no authentic lenders who will tell you that you would pass without checks and the majority of them employ some means of checking such as verification of income, bank account and the like. • The likelihood is that a number of payday lenders operating in the United States extend loans to persons with a 400 credit rating and no telecheck; however, some caveat is provided for each lender. • According to research, primary lenders such as Check Into Cash, Advance America, and CashNetUSA, who are well-known for their lenient credit standards and accepting online applications, do appear on the list. • The evidence suggest rapid approval (often while you wait) and high rates of interest (sometimes as much as 400 percent), and short periods for loans (generally 2 weeks) is the pattern. • An unexpected detail is that some lenders, like World Finance, have offered long-term loans which addresses other financial obligations.
payday loans credit score 400 guaranteed and no telecheck

1. Check Into Cash

  • Services: Installment loans, Title loans, and payday advances.
  • Features: Use of online applications or in stores, cash payments within hours (in store), no credit check results (actually a type of soft credit check).
  • Phone: 833-241-3329
  • Website: checkintocash.com
  • Ratings: BBB A+ (some mixed reviews for overcharging customers).
  • APR: (depends on the state) 200–400%+.
  • Loan Amount: Give out loans ranging between 50 and 50 to 1,000.
  • Approval Time: A few minutes to one business day.
  • Loan Period: 14-30 days.
  • Locations: More than 25 states, and their services can be accessed online all over the country.

2. Advance America

  • Services: Title loans, payday loans, and installment loans.
  • Features: There is no credit score requirement. Same day payment after cash is ready.
  • Phone: (844) 562-6480
  • Website: advanceamerica.net
  • Ratings: BBB gave them B, but they were heavily criticized for having high APRs.
  • APR: 300-600+%
  • Loan Amount: 100-1,500.
  • Approval Time: Customers receive instant online approval.
  • Loan Period: 2 to 4 weeks.
  • Locations: 25+ states.

3. Speedy Cash

  • Services: Lines of credit, title loans, and payday loans.
  • Features: There is no TeleCheck payment, so repayment is more flexible
  • Phone: (888) 333-1360
  •  Website: speedycash.com
  • Ratings: Mixed reviews provided them with an average of a A+.
  • APR: 200-450% and more.
  • Loan Amount: 100 – 1,500.
  • Approval Time: Less than an hour for online customers.
  • Loan Period: 14 days to 6 months.
  • Locations: More than 15 states and their services can be accessed online.

4. ACE Cash Express

  • Services: Payday loans, check cashing, and issuing prepaid debit cards.
  • Features: Same day funding and there is no TeleCheck.
  • Phone: (866) 728-1808
  • Website: acecashexpress.com
  • Ratings: Trustpilot gives them low scores, but the average is A+.
  • APR: 300 to 500% or more.
  • Loan Amount: 100 – 2,000.
  • Approval Time: No waiting in lines as they provide instant approval in-store.
  • Loan Period: 14 – 30 days.
  • Locations: More than 20 states

5. CashNetUSA

  • Services: Payday and installment loans.
  • Features: Soft credit pull; receive funds within business day.
  • Phone : 888.801.9075 
  • Website: cashnetusa.com
  • Ratings: BBB A+ (comes under fire for ostensible high fees).
  • APR: Over 200–600%.
  • Loan Amount: $ 100-$3000
  • Approval time: 10minutes.
  • Loan period: 6-24months (property repayment).
  • Locations: over 30 states. Only available online.

6. MoneyKey

  • Services: both short-term and long-term personal loans.
  • Features: No form of TeleCheck, online only.
  • Phone: +1-866-255-1668
  • Website: moneykey.com
  • Ratings: BBB A- (Trustpilot reviews are less than ideal).
  • APR: 200-500 percent and up.
  • Loan Amount: 200-2000 up to 2600
  • Approval time: Instantly
  • Loan period: 4-18months.
  • Locations: over 10 states available online

7. Check City

  • Services: Personal loans, including cash advance and check advance.
  • Features: No check credit (self-employed income check), available online and onsite.
  • Phone: (866) 294-4672
  • Website: checkcity.com
  • Ratings: A mixed blend of reviews.
  • APR: 300-700 percent.
  • Loan Amount: $100-1500 per month
  • Approval time: Within minutes
  • Loan period: 14 to 31 days
  • Locations: Utah and Nevada and online

8. OppLoans

  • Services: long term loan with lower interest rates when compared to payday loans.
  • Features: no TeleCheck, offers reports to credit agencies.
  • Phone : (800) 990-9130
  • Website: opploans.com
  • Ratings: A+ because of the reviews for advertising.
  • APR: Lower than payday loans. 160-199%
  • Loan Amount: 500-4500
  • Approval time: 1-2 business days
  • Loan period: 9 – 18months.
  • Locations: 37 states online.

9. Possible Finance

  • Services: Short-term getting paid loans (comparable to payday).
  • Features: No credit verification creates a credit history.
  • Phone: 844-849-7207
  • Website: possiblefinance.com
  • Ratings: 4.7/5 on App Store.
  • APR: Income from 150 – 200 percent. (Lower than average)
  • Loan Amount: $100 – $500.
  • Approval Time: Up to 30 Minutes.
  • Loan Period: 8 weeks.
  • Locations: Online available in 34 states.

10. Loan by Phone

  • Services: Telephonic/online payday loans.
  • Features: No Telecheck conducted, soft credit check.
  • Website: loanbyphone.com
  • Ratings: 4.2/5
  • APR: Incomefrom 300-450 percent.
  • Loan Amount: $100-$1500.
  • Approval Time: Same Day.
  • Loan Period: 14-30 Days.
  • Locations: Online available in multiple states.

Key Notes:

  • Guaranteed Approval: No lender can legally guarantee approval. They may skip Telecheck but will still need to preverify income/bank accounts.
  • APR Warnings: Payday loans have an APR of over 300% and can cause debts.
  • Alternatives: Credit unions, non profits. For low interest loans consider apps like EarnIn / Dave.
  • State Laws: Loan Eligibility differs from state to state, check on lender’s page.

Eligibility Criteria for Payday Loans With a 400 Credit Score

  • Minimum Age Requirement – You must be over 18 years of age (or 19 in some states).
  • U.S. Citizenship or Residency Status – Applicants must be a U.S. citizen or legally residing in the country.
  • Consistent Payment Source – Lenders need to see proof of a job, self-employment, Social Security, or some form of benefits as income.
  • Active Bank Account – A checking account or savings account is required so the bank could deposit the money and also withdraw the money to repay the loan.
  • Contact Information – A valid phone number and email address must be provided.
  • Government-Issued ID – A driver’s license, state identification card, or passport is needed to prove identity.
  • Minimum Income Requirement – A portion of lenders may require some customers to have a certain amount of money earned within a month, usually between $800 – $1500.
  • No Recent Bankruptcy – Applicants with current or recently filed bankruptcies might get denied by a number of lenders.
  • No TeleCheck Requirement – Because TeleCheck is not used, lenders could substitute proof of income for a credit check.
  • State-Specific Requirements – Each state has rules on payday loans, therefore eligibility is based on local laws, including some states which ban payday loans altogether.

Payday Loans Alternatives for a 400 Credit Score

  1. Installment Loans

How It Works: Take out a set amount of money and pay back over time through a series of fixed monthly payments.

✅ Pros:

  • Payday loans have a longer duration.
  • Payday loans have comparatively lower interest rates.
  • When reported to the credit bureaus, it can help improve credit.

❌ Cons:

  • Income can be a requirement, hence having a job is necessary.
  • Certain lenders use credit checks against some borrowers.
  • Can make late payments which can make the credit score worse.
  1. Credit Union Payday Alternative Loans (PALs)

How It Works: These are small loans offered by credit unions which have a much lower interest than payday loans.

✅ Pros:

  • Much lower 28% cap APR and longer duration to pay back.
  • No predatory borrowers will loan money.
  • When reported, they can boost your credit score.

❌ Cons:

  • Membership to a credit union is mandatory.
  • May need proof of income.
  • Ranged from $200 to $2000, the loans are limited.
  1. Online Cash Advance Apps (Earning, Brigit, Dave)

How It Works: Users of these apps are allowed to borrow between $200 to $500 depending on their paycheck.

✅ Pros:

  • No interest (can charge optional tips or small fees)
  • Credit check is not needed
  • Easy and fast access to cash.

❌ Cons:

  • Load amounts are limited.
  • Must have constant paycheck deposit.
  • May have subscription fees.
  1. Secured Loans (Car Title Loans or Pawn Loans)

How it works: An asset is pledged (e.g., car, jewelry) to secure a loan.

✅ Pros:

  • No credit check is needed.
  • Quick approval and funding.
  • Larger sums can be borrowed depending on the value of the asset.

❌ Cons:

  • Asset loss because of non-repayment is possible.
  • Excessively high interest and fees.
  • Quick repayment terms.
  1. Borrowing From Friends/Family

How it works: Approach a trusted friend/family member for a short-term loan.

✅ Pros:

  • Friends and family do not charge interest.
  • No credit check is required.
  • No formal lender fee.

❌ Cons:

  • Can cause disputes if not paid back.
  • Not Always Accessible.
  • No credit score improvement.
  1. Side Gigs or Gig Economy jobs

How it works: Extra money can be earned through freelance work, ridesharing (Uber, Lyft), food delivery (Door Dash), or any other side hustle.

✅ Pros: 

  • Not paying debts or interests
  • Chances of earning extra income in the long run
  • Work schedule is flexible and can be adjusted as needed 

❌Cons: 

  • Making money is not easy and takes time 
  • Not a quick fix for crisis situations 
  • Some of the freelance work need initial investment (internet, car servicing, etc.) 
  1. Paycheck Advance from Employer

How It Works: Some employers let their employees withdraw a portion of their pay before payday. 

✅ Pros: 

  • No or little interest charge will be imposed 
  • No effect on the credit score 
  • Earned salary can easily be accessed 

❌ Cons: 

  • Possible only if your employer allows it 
  • Next paycheck will be lower 
  • Might not solve bigger issues 
  1. Aid by Government and Non-Profits

How It Works: These programs give some financial support in the form of vouchers when paying rent, purchasing food and paying their utility bills.

✅ Pros:

  • No repayment needed
  • Useful for helping with important needs
  • Applicable for people with low incomes

❌ Cons:

  • Takes time for processing the application
  • Applies only to specific types of expenses
  • Might need to show proof of financial struggle

Conclusion

For people with a credit score of 400, payday loans can be a useful quick-fix finances solution when you’re in a bind and need money fast but can’t access traditional loans.

These loans are simple to get without Telecheck, which allows you to get money quickly, but they typically have steep interest combined with short repayment durations.

 All borrowers must take the time to evaluate their finances, check different lenders, and opt for other choices when they’re available.

 Timely repayment and responsible spending is essential to prevent getting trapped in debt; it’s important to always look for trustworthy lenders.

About Author
Picture of Alex Hales
Alex Hales
Finance Writer & Loan Specialist Alex combines years of experience in finance with a passion for simplifying complex loan concepts. His deep understanding of lending practices, APR calculations, and borrower rights ensures every article is both educational and empowering. Whether you’re new to payday loans or seeking smarter alternatives, Alex’s writing equips you to make informed choices.
Read More from Author
Share this Post
Related Posts