There are no direct payday lenders who will not perform a same day credit check on the borrower. No credit rating check loans mean that your lender performs a soft credit rating check up on you before issuing the mortgage loan. Reasons for soft credit check include: Lcard are short-term payday loans that are provided without many formalities and usually on-line. Upon approval from the payday lenders, the customer may have the cash deposited into his bank account on a single day. The performance of personal loans for bad credit rating is achieved mainly due to the short loan application form which will not require a large amount of details or paperwork predicated on your creditworthiness. In this manner, the processing time is immensely shortened.