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Creditworthiness and Poor Credit Score ?>

Creditworthiness and Poor Credit Score

Your credit score is one of the most important determinants of your creditworthiness when you apply for a loan, especially the likes of mortgages and car loans. However, some strict credit companies also want to know your credit score before lending payday or small installment loans.

Your credit rating shows if you have any history of borrowing loans, and how you have dealt with them – if you have timely paid or not. With an excellent or good credit score, a lender always finds trust. With a poor credit score (550-649) or a bad one (below 550) it is a little harder to prove that you are a sincere borrower.

A poor credit score always means that you have not paid off your debts on time. However, having outstanding debts is not necessarily a barrier between you and a new payday advance. Your present income status also plays a very important role- if it is stable and you have the proof that can be verified.

Can You Get a Payday Loan with Poor Credit?

If you are wondering “can I get a payday loan with poor credit?”, It is natural since most lenders do not fund you at times with a bad or poor credit. But EZPaydayCash does! Yes, you can get a loan with credit score 500 too! We do not really check what your credit score is while verifying your application.

What matters more for us is your paystubs or bank statements that prove that you have a stable income to pay off the loan on the due dates. Yes, dates- that means you do not have to pay a lump sum.

In order to make the repayment process more flexible and especially borrower-friendly towards the ones with poor credit scores –where they get to fix their credit to some extent by making on time payments- we offer a term extending up to 180 days where multiple installments can be used to pay off! Now that you know you can apply for a loan for bad credit, why are you waiting? Apply today for guaranteed cash!

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Applying Does NOT Affect Your Credit Score

Consumer Notice: A payday advance is a small, short-term loan intended to cover a borrower's expenses until the next payday. Payday advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory assistance. Consumers are encouraged to learn more about the risks involved with payday advances, local laws and regulations that may apply to payday advances, possible loan alternatives and recent developments in their state.

Legal Disclaimer: is a legitimate direct lender authorized to lend money to genuine borrowers where the interest rate, term and maximum amount that can be borrowed are solely decided by the company. Without authentic and verifiable information in the application, funding by no means is guaranteed. Upon requirement, the prospective borrower is expected to provide additional document/information- failing which would result in rejection of the loan application. While reviewing loan applications, we typically do not perform credit checks with the three major credit reporting bureaus (Equifax, Experian and TransUnion). However, soft credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained in certain circumstances. You will not be charged any fees to use's service. Learn more by reading our Rates & Fees section. To change your communication preferences for this website or to submit a comment or question you can contact us.

Availability: Residents of some states may not be eligible for a payday advance based upon lender requirements. does not guarantee that completing an inquiry form will result in being offered a loan product with satisfactory terms or rates. It also worth noting that any loan request submitted on Friday after 6:00 PM EST will be processed on the next business day. For inquiries related to our services you may Email us at

****Loans are NOT available to residents of Arizona, Colorado, Georgia, Kansas, Massachusetts, Minnesota, New York, New Hampshire, Oregon,
Pennsylvania, Tennessee, Vermont, Washington, West Virginia, Puerto Rico****