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$300 with No Credit Check

Sometimes you might find yourself in the unpleasant situation of needing cash very fast. Unexpected utility bills or other emergency expenses and no access to cash get you in difficult situations. For these tight cash situations, a 300 dollar loan makes the difference.

Many people find it difficult to obtain a loan, especially if they have a bad credit history. In this case, the best option is a $300 payday loan from a direct lender that performs no credit checks. If you are one of those saying, “I need a 300 loan today”, we will shed some light on how you can get some cash fast, even for those with poor credit. Let’s get started!

What Is a $300 Dollar Loan?

$300 loans represent short-term loans due on the next payday. These cash advances involve high-cost fees and are typically repaid in a single payment. Depending on different state regulations, the amount is limited to $500 or less. In some cases, though, you might obtain up to $1,000.

To repay the $300 dollar loans, you have several options. You can either provide a post-dated check that includes the full balance (including interest rate), either you authorize the lender to withdraw the funds from your bank account electronically.

A couple of things to note, if you don’t pay the loan on the due date, the payday lender will cash it from your account. Also, this small dollar loan does not affect your credit score.

Different state regulations permit lenders to extend your loan. You will have to pay only the fees due if the due date is extended. However, it is important to keep in mind that renewals might prove dangerous as the lenders are charging renewal fees.

Cash advance loans for 300 dollars or more are available only in the following states: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming. In Maine, Oregon, and New Mexico payday loans online are allowed with some restrictions.

How to Get a $300 Loan from Direct Lenders?

Nowadays, it is very easy to obtain a $300 payday loan as the application process is fast and easy. If you need 300 dollars now, this is the fastest method to receive them.

Immediately after you fill out the application form available on our website, the lender will review your loan request form and will provide an immediate decision on loan approval. As soon as you accept the offer, the lenders will deposit the cash in your account the next business day.

In many cases, the direct lenders will not perform hard checks, as your past financial mistakes that led you to a bad credit score are out of interest for them. Usually, a lender is concerned about whether you have a job or not. So, you can be approved for a $300 loan with no traditional credit check.

After you fill in the loan application, the direct lender will perform some checks and will contact you, usually in a couple of minutes. They will explain all the details and will send you a contract for you to read the terms and sign it if all good.

The money is available to you instantly!

$300 Loan Requirements

There are some common criteria for accessing this instant small short-term loan.

  • Current residence address
  • Current phone number (a cell phone number is also acceptable)
  • A valid ID
  • The age limit is 18
  • A working email address
  • An active checking account

Depending on the state, the lenders might require additional information. However, most payday lenders will not perform traditional checks, and a poor credit score will not affect your application. The approval is based on your monthly income. In some cases, even people who receive unemployment benefits, social security income, or disability payments meet the eligibility criteria.

Benefits of a $300 Loan

how to get a 300 dollar loan quick

The most important benefit of a $300 loan is that you can get the money fast, without all the bureaucracy that traditional bank loans involve.

Payday loans are expensive, but when used wisely can be a lifesaver, as their term is very short. Also, there are no traditional credit checks with the main credit bureaus.

Although payday loans do not represent a long-term solution for your financial issues, they remain a valid option when you need $300 fast. You might find yourself in an unpleasant situation of paying urgent bills. Or maybe your car broke down and requires urgent fixing. All these issues can be easily sorted with a payday or installment loan.

These short-term payday loans can be used any way you want. The lender will not request any justification. Moreover, no faxing, no telecheck and no paperwork are involved.

how to get a 300 dollar loan quick

$300 Payday Loan Fees and Terms

Although it is very easy to get a $300 payday loan from a direct lender, there are high annual percentage interest rates involved.

Depending on the state, the lenders are allowed to charge you between $10 and $30 for every $100 you borrowed. In case you cannot repay the loan within the agreed term, additional fees might incur.

As a piece of general advice, make sure you know when is the due date and how much you have to give back. The lenders deposit the money in your bank account, and it will charge it on the repayment term. Always be careful and read the loan terms and conditions.

When it comes to repayment terms, the financing companies must follow the states’ regulations. As a thumb rule, a $300 loan is due to be paid back within 30 days. Depending on the loan offer and the amount, the term can be longer than 30 days if you apply for installment loans.


Yes. You can get a loan with bad credit as, in almost every case, there is no hard check performed by the lender. These companies will review your application form and will offer the best financing products for you. Poor credit shouldn’t worry you too much at this point.

You can safely make a loan request as there is no hard credit check. Despite the poor credit, the loan lenders will approve your request and will deposit the amount in your bank account. A credit score under 650 meets the eligibility criteria.

A payday loan involves returning to the lender the initial loan amount plus the fees. The latest ranges between $10 and $30 for every borrowed $100. These rates depend on the state’s lending regulations. Typically, for a $300 loan, you will have to return about $350.

Always check the loan agreement before committing to a lender or another. Take note of the loan terms, interest rate, and of the repayment term.

Small loan amounts are being granted within one working day. If you find yourself wondering how to get a 300 dollars loan quickly, all you need to do is fill out our easy application form. The loan decisions are not affected by your credit history and usually get approved right away as we work with a large base of trusted direct lenders.

Yes you can get money today. Depending on the loan product you chose, the lender will verify your application and may approve you fast. The money will be transferred to your account during one business day or even faster if you have been approved early in the morning. Repaying the loan does not happen before your next pay date, so you will not have to worry about that. Also, our application is 100% online and you can fill out the form during weekends and holidays.

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Applying does NOT affect your FICO® score!