- 1). Gather the information you need. Most quick cash loan companies that deposit money directly in your bank account will require proof of your employment such as a paycheck stub, and your bank account number and bank routing number. The routing number is the number usually found in the lower left corner of your printed checks, or you can find out by calling your bank. For a quick cash loan with no credit check, you may be asked for the names and phone numbers of one or two people to call as references. If you apply for a loan in person, you'll need ID such as a drivers license. You'll need to be over 18, and some companies may require a minimum paycheck amount such as $1000 a month.
- 2). Compare different loan companies, both locally and online, that promise no credit check. There are many online loan companies that offer quick cash, sometimes in 24 hours or less. If you want a no credit check loan, make sure that's specified by the company, and if you also want no Teletrack check, you'll have to make sure that's stated too. Look for the lowest fees and the terms you want, but also be cautious of giving personal information if a company seems to be offering fees that are too good to be true. See the article in the "Resources" section below for information on avoiding quick cash loan scams.
- 3). Apply for the loan. Typical amounts can range up to $1500 but more often will be in the range of $500 or under. Since quick cash loans are expensive, don't borrow more than you need, and don't borrow for longer than you need. A typical length of time is just a few days or a couple of weeks, until your next paycheck.
- 4). Mark your calendar for the date the loan is due, and make sure to leave enough money in your bank account. Most quick cash loan companies will withdraw the money to pay the loan directly from your bank account, and you'll be expected to have enough money in it. Otherwise, you'll be hit with extra fees.
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