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What a Good Credit Score Tells About You ?>

What a Good Credit Score Tells About You

In the scale of credit scores (300-850) set by the primary credit bureaus, namely Equifax, Experian and TransUnion, if you have a rating between 700 and 749 then your score is considered to be good. If you have even a higher score, then that is count as excellent. A good credit always demonstrates that the borrower is sincere while repaying the debt on or before the due dates. Especially for large funding like a car loan or a home loan, a good credit enhances the creditworthiness of the borrower.
Nowadays, even short term loan lenders also want their debtor to have a good credit. Since payday loans and small installment loans are unsecured by nature, most lenders want only to fund people that they can trust with a good credit history. However, there are also lenders like EZPaydayCash who do not ask for a good credit for funds up to $1,000.

Do you need a credit score to get a payday loan?

As the financial companies have recently become stricter to prevent loan defaulters from getting cash advances, many people are searching “do you need good credit for payday loans?” on google. The clear answer is – no, you don’t need to have a good credit for small loans, but you only have to apply to the right lenders such as EZPaydayCash. Because credit companies like us focus more on the present income status, and do not perform any credit checks while verifying applications for small personal loans.

Since our payday loans have lower interest rates and a longer term than usual (we give repayment terms up to 3 months), people with low incomes also can feel at ease while making payments monthly. Therefore, whatever outstanding bills they might have is not an issue for us. Even without having any credit history you can apply for an emergency cash loan to us. We give you an instant approval if your information (SSN, Age proof, checking account details and contact information) is authentic and verifiable.

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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****