Payday Loans in Rochester

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  • Simple online application
  • Loans up to $5000
  • Instant Decision
  • Alternative Credit Check

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👍 Bad Credit? You're Welcome to Apply!

We're working with the lenders who perform only soft credit checks. It means that you'll get much higher chance of approval with us.

🕒 Instant Decision

With our near instant approval payday loans you just need to click the "Submit" button, fill out the form and get the money in 1 hour!

✅ Guaranteed Approval

Don't be fooled by anyone who promises guaranteed approval for bad credit loans. It's not possible. But we make sure you get the best possible opportunity from our direct lenders. Even if you have low income.

Are you struggling to pay the bills or rent while you’re weeks away from the nearest paycheck?

Or do you have an emergency situation and need money RIGHT NOW

There is a solution!

Payday loans are easy-to-get short term loans for every situation. You don't need anything to secure your loan except proof of income, because when you get a payday loan, you are expected to repay it with your next paycheck.

Bad credit? Don’t worry. The requirements for cash advance loans allow to get a loan even if you have bad credit and no checking account. All you have to do is to click on the Apply button and fill up the form.

How to get a payday loan without a bank account in Rochester, New York?

For an online cash advance, there are no requirements to have a bank account. There are direct lenders without credit check that accept prepaid debit cards and secured credit cards.

Again, you can apply for a payday loan if you don’t have a bank account.

Here’s what you have to do to get a payday loan without checking account:

  • Go to the top of this page and click the “Apply” button.
  • Fill up the form with your personal and bank details.
  • Submit the form and send the details.

Keep in mind, that in order to get instant approval, all the details should be valid. If you do everything right, you can get a payday loan the same day you apply. Or the next day at most.

What are the general requirements to qualify for a payday loan in Rochester, New York?

Payday loan requirements are different for every lender, but typically they have a lot in common. So here are the general requirements to apply for a payday loan:

  • You must be at least 18 years old to apply
  • Have proof of income
  • Have a valid checking account or prepaid debit account/card
  • Have a phone number to receive calls or/and messages

How much can I get on a payday loan in Rochester, New York?

Unfortunately, payday loans are heavily restricted in New York. You still can try to apply but we do not guarantee the approval.

What credit score is needed for a payday loan in Rochester, New York?

If the credit score is the only reason for you to not apply for a loan, fear not! You don’t need a good credit score for a payday loan, because most lenders do not even do a credit check for their clients. Because cash advance are short term loans, the only thing they care about if proof of income.

Can you get a payday loan in Rochester, New York with a 450-500-550 credit score?

The short answer is yes, you can get a payday loan with a 450-500-550 credit score. As we’ve already mentioned, direct lenders, unlike banks, do not perform credit checks. The payroll loans are secured by your paychecks.

Can I get a payday loan in Rochester, New York with really bad credit?

Let us repeat this again: yes, you can get a payday loan even with really bad credit, no matter how low your credit score is.

What payday loans are open today?

To find the lenders that are open today, please refer to our directory below. We recommend applying online via our form. This way you can get instant approval and get your money faster.

Also, online payday loans are always open 24 hours 7 days a week. Even on Sundays ;)

Payday Loan Companies in Rochester, New York:

Northwest Bank Payday Loans Picture

Northwest Bank

5
★★★★★
Based on 3 Google reviews
Address: 860 Long Pond Rd, Rochester, NY 14612, USA
Phone: (585) 621-2265
Website: https://northwest.com/
USA Payroll Payday Loans Picture

USA Payroll

5
★★★★★
Based on 244 Google reviews
Address: 1565 Jefferson Rd 210, Rochester, NY 14623, USA
Phone: (888) 872-2432
Website: https://usapayroll.com/
Genesee Co-Op Federal Credit Union Payday Loans Picture

Genesee Co-Op Federal Credit Union

4.9
★★★★★
Based on 15 Google reviews
Address: 395 Gregory St, Rochester, NY 14620, USA
Phone: (585) 461-2230
Website: https://genesee.coop/
Royal Crown Pawn & Jewelry Payday Loans Picture

Royal Crown Pawn & Jewelry

4.1
★★★★★
Based on 28 Google reviews
Address: 3635 Dewey Ave, Rochester, NY 14616, USA
Phone: (585) 473-7296
Website: https://No website
Rochester Pawn & Gold Payday Loans Picture

Rochester Pawn & Gold

4.1
★★★★★
Based on 62 Google reviews
Address: 1440 Dewey Ave, Rochester, NY 14615, USA
Phone: (585) 319-3916
Website: https://rochesternypawn.com/
Flaherty Funding Payday Loans Picture

Flaherty Funding

4
★★★★★
Based on 1 Google reviews
Address: 2595 Brighton Henrietta Town Line Rd, Rochester, NY 14623, USA
Phone:
Website: https://No website
Mariner Finance Payday Loans Picture

Mariner Finance

3.7
★★★★★
Based on 27 Google reviews
Address: 2496 W Ridge Rd Ste. A-1, Rochester, NY 14626, USA
Phone: (585) 865-1130
Website: https://marinerfinance.com/locations/New%20York/mariner-finance-location-in-Rochester-NY
Sherri Forbes At Homestead Funding Payday Loans Picture

Sherri Forbes At Homestead Funding

3.5
★★★★★
Based on 2 Google reviews
Address: 84 Dierdre Dr, Rochester, NY 14617, USA
Phone: (585) 733-3889
Website: https://sforbes.homesteadfunding.com/
Chester's Group Payday Loans Picture

Chester’s Group

3.5
★★★★★
Based on 17 Google reviews
Address: 593 W Broad St, Rochester, NY 14608, USA
Phone: (585) 235-3943
Website: https://No website
OneMain Financial Payday Loans Picture

OneMain Financial

3.4
★★★★★
Based on 43 Google reviews
Address: 2518 Ridgeway Ave, Rochester, NY 14626, USA
Phone: (585) 227-4660
Website: https://onemainfinancial.com/branches/NY/Rochester/14626/4557
Chester's Broad Street Liquor Payday Loans Picture

Chester’s Broad Street Liquor

2.9
★★★★★
Based on 14 Google reviews
Address: 882 N Clinton Ave, Rochester, NY 14605, USA
Phone: (585) 454-1387
Website: https://getcash24.space/
Northwest Bank Payday Loans Picture

Northwest Bank

2.5
★★★★★
Based on 2 Google reviews
Address: 1441 Monroe Ave, Rochester, NY 14618, USA
Phone: (585) 544-2265
Website: https://northwest.com/
Commission Express of Western New York Payday Loans Picture

Commission Express of Western New York

0
★★★★★
Based on 0 Google reviews
Address: 1427 Monroe Ave, Rochester, NY 14618, USA
Phone: (585) 271-7788
Website: https://commissionexpress.com/ny
Resolute Commercial Capital Payday Loans Picture

Resolute Commercial Capital

0
★★★★★
Based on 0 Google reviews
Address: 140 Metro Park, Rochester, NY 14623, USA
Phone: (585) 371-6499
Website: https://resolutecommercialcapital.com/