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Complete an uncomplicated loan application form. Few minutes are required to complete the loan application form. It is quick, simple, and private.

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Sign your documents and get authorized by one of over 150 reputable lenders - safely and fast. The approval process is quick, so stay in touch.

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Directly deposit the required amount into your bank account. The transfer will occur on the next business day following approval of your application.

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What if I Have Bad Credit?

You can still get a payday loan even if you have bad credit. Payday loans are an option for all credit types. Payday loans are not dependent on your credit score like other loan products. For example, you may get a payday loan without a credit check.

Let’s explore the payday loan options available to poor or bad credit people, what you can expect to get if you apply for them, and are payday loans bad for your credit.

What is the fastest way to get a payday loan?

Payday loans are quick and easy to get funding. KashPilot allows you to apply online for a payday loan and receive your money in 24 hours. You may receive an immediate decision and funding the same day if you submit your application by 10:30 AM EST.

What is the cost of a payday loan?

Payday loans can be obtained as low as $15-$20 per $100 borrowed. This fee will be determined by the state in which you reside. For any missed or late payments, you will be responsible for the interest and costs.

A payday loan is a cost-effective alternative to credit card late fees and overdraft charges. It’s also affordable if you can repay it on time.

How to apply for a payday loan

Even if you have bad credit, small payday loans online are easy to get. If you are interested in taking one out, here’s what to do.

Collect relevant information

Before you start the application process, ensure you have the following information:

  • Valid Social Security Number
  • Active and valid email address
  • Checking account active
  • Source of income (such as a pay stub).

Submit the online application

Visit the application form, and these steps should be completed.

  1. Please share your contact information.
  2. Provide your employment information.
  3. Provide banking details. You will need your bank details and both your checking number. Prepaid cards will not be accepted.
  4. Submit your application.

If you prefer, apply in person.

KashPilot accepts in-person payday loan applications from people with any credit history, good or poor. KashPilot offers in-person applications. A knowledgeable loan specialist can assist you. These documents should be brought with you:

  • Photo ID issued by the government
  • Evidence of an active checking account
  • Recent proof of income (e.g., a pay stub)
  • Verification of SSN
  • Check (requirements vary by state).

Wait for funding, and then repay your loan.

Once your loan is approved, you will receive the funds that day or within 24 hours. After receiving the funds, you will need to repay the loan. This is usually when you receive your next paycheck within two to four weeks.

You can pay your loan by phone, online, or in person at a KashPilot location.

How to improve your credit

Your credit score will determine the terms and rates you are eligible for. It’s a brilliant idea to get your credit score as high as possible. Before you do so, visit

Check your credit score. These tips will help you improve your credit score once you know where you stand.

Pay Your Bills On Time

Even one late payment can ding your credit. You must pay your rent, mortgage, utilities, car loans, or other bills on time. Set up automatic payments on your phone or create calendar reminders so that you don’t forget or miss a payment.

Keep your credit accounts open.

A credit score is directly affected by how long you have had your credit history. Your credit score will increase if your credit accounts open for more extended periods and keep them in good standing. Keep your old tabs open if possible, even if it’s unnecessary or you don’t want to use them.

Reduce Your Credit Utilization Ratio

Your credit utilization ratio is the sum of your debt and credit available. Most lenders prefer a ratio below 30%. Lowering your credit utilization ratio is crucial by paying down your debts early and spending less.

What can a payday loan be used for?

Consumers with evil, sound, or poor credit can get payday loans to cover a small amount of short-term financing. They can be used to pay for an array of emergency expenses, such as:

Car expenses

A payday loan is an excellent option if your car breaks down suddenly and you need to get new tires or other repairs that are only a few hundred dollars. You might lose your reliable transportation to school or work if you don’t have a payday loan.


A payday loan is available if you are short on cash and cannot pay your next grocery bill. This loan can be used to feed your family and yourself until your next paycheck.


Are you short a few hundred dollars on your mortgage or rent payment? Payday loans may be the right option to get you the money you need. However, it would help if you didn’t rely on it for every mortgage or rent payment.

Author: Julie Snearl

Editor and writer for over a decade , she has written and edited finance for both national technical and consumer readership, Julia Snearl is the editor for Personal Finance in KashPilot. Her experience in editing business books also includes working as the editor of charts of Ahead of the Curve. More than 3 years' experience in editing content for finance on KashPilot, Julie is interested in learning about how to use digital content to assist people make better financial choices.

Types of Loans We Offer

Installment Loans

Receive your cash and repay it in equal monthly installments. Each payment will include interest, and prepayment is any time without penalty.

Payday Loans

Payday loans online are loans given to people who need money in the short term. Most payday loans are meant for small expenses, such as utility bills or vehicle repairs

Loan Consolidation

KashPilot Offers Loan Consolidation Online for Bad Credit, these are people who can’t manage their loans or can’t repay all the fees and rates (apr) on right time.

Title Loans

KasPilot Offers Title Loans, Your vehicle’s title serves as collateral for a loan you may think of as a secured loan. When you use your car as collateral for a loan


A Payday Loan can be used to cover costs until your next income arrives. Whether you need to pay rent, cover an unexpected medical bill, or purchase groceries, Payday Loans can provide you with the quick cash you require.

You must produce identity, proof of income, a bank statement, and a personal check in order to qualify for a loan. If you do not have a personal check, you can offer a debit card or ACH authorization in several jurisdictions. There is no requirement for personal property to obtain a Cash Advance.

Payday loans are short-term loans owing on the borrower's next payday. Timing is contingent upon your pay schedule.

KashPilot's Payday Loans are accessible to all credit types. When KashPilot evaluates a Payday Loan application, a credit history is among the many elements analyzed.

Yes, Cash Advances are often referred to as Payday Loans. This is a short-term, personal loan that is payable upon receipt of your next paycheck.

State legislation establishes the maximum amount of money you can get through a Payday Loan. In addition, you will qualify for a specific loan amount, within the permissible range, based on your current income.

When evaluating your Cash Advance application, we may use information from third-party data sources to determine your creditworthiness.

Typically, your Payday Loan is payable on your next payday. We provide numerous payment alternatives, including in-person and online payment choices, to make the repayment of your loan easier (varies by state).

KashPilot has assisted thousands of individuals with poor credit by offering a number of financial options, such as Payday Loans, Online Loans, Installment Loans, Title Loans, and Personal Lines of Credit.