Going through a credit check is an essential part of getting consent for a payday loan; it is not compulsory, though. Still, many lenders provide payday loans or cash advance now online without proceeding with a credit check. Instead, they give more priority to other factors, including their proficiency to reimburse the loan. They would not be inquisitive about the borrower’s credit history, whether it is good or not, but rather consider checking the borrower’s income.