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There are payday loans with no credit check and some cash advances with no credit check but they offer smaller loan amounts and very short terms.”Our theory is if you needed extra money this month, why would any lender expect you to have that much extra in the budget next month or next week even plus more interest “ A: There are many private lenders out there that do not make it compulsory to have a cosigner on your loan. A cosigner can although improve your chances of getting a loan but it doesn't mean you cannot get a loan otherwise. If you have maintained a good credit history you can still get a student loan. quicken loans careers ohio healthonline instant payday loans canada odsp payment amountspayday lenders only not agency theory pdf995 Payday loans and installment loans (in particular, the type provided by World Finance) are what consumer advocates call ‘small-dollar, high-cost’ loans. They often carry high interest. 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