Let’s face it — if times are tough for you financially and you need a bit of emergency help, a payday loan can be a great help — but who needs a hassle of having to pass a credit check. If you do a bit of searching on the Internet, you can find companies offering any payroll loans direct option, where you can apply online — and in some cases you may be able to apply for a loan without any sort of credit check being performed at all. Usually, however, you are going to need to provide proof of steady and current employment (because without that you will not be able to repay your loan). When you need funds in an emergency it’s a great convenience and relief to know that you will not be subjected to an intrusive credit check.