Amongst the numerous payday lenders that now exist, not all of them carry out credit checks when assessing your potential as a borrower. However, there is a proportion of lenders that do look at an applicant's credit history.

Having access to lenders that will provide an instant cash advance but do not carry out a credit check is going to be especially useful for people that have had a few problems in the past and have tarnished their credit record. Having a blemish on your credit record would normally make it difficult to obtain a loan. Banks have really clamped down on their lending these days and even though the problem may have been in the past the lender may well still reject the application.

So how does one set about identifying the lending companies offering online decision loans that do not utilise a credit check in their application process? The easiest way to do this is by reviewing a few companies online to see which ones you want to look at applying to. Most lenders make a point of mentioning it on their websites if they do not do credit checks.

Using a payday loan broker would be another method as the broker will have access to most lenders and will be able to supply your application to the lenders that suit your requirements. These lenders prefer to base their lending decision upon your current ability to repay any loan rather than looking at your previous credit history.

So no credit check loans are a real asset if you need some quick finance but have a poor credit history.