Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Feb 8, 2012

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At some point in nearly all of our lives, we endure financial hardship. Whether we forego eating our favorite food, or find ourselves unable to pay off debts, money trends ebb and flow for us all. Some of those personal recessions lead to default or missed payments which in turn reduce our credit score.

[loansform]At some point in nearly all of our lives we endure financial hardship or seek to purchase something that costs more than the money we have on hand. As a result, we seek to finance a loan. That holds true for individuals who populate the entire length of the credit rating scale: high and low. But those with low or no credit often find it difficult to obtain a loan. That’s why there are now no credit loans that one can apply for.

Bad credit payday loans are the answer to the financing problems those with little or no credit sometimes need. Whether the reduction in one’s personal credit score  was due to the natural ebb and flow of money availability, or because one accidently defaulted or missed payments on some other forms of financing, lenders will offer poor credit payday loans without even looking at a borrower’s financial score.

This type of bad credit cash advance helps millions out of tight binds each year. That being said, the individual applicants should approach this type of borrowing only if they absolutely need the money. Interest rates tend to be high, and the roll over fees can be steep. But these no credit loans are excellent tools if used responsibly and properly.