Payday Loans in contrast to mortgages or car title loans are short-term unsecured individual advance for borrowers with both good and bad credit. Most Wyoming direct lenders offer to $1500 Payday Loans online to applicants with less-than-stellar credit scores. In most cases, your creditworthiness is decided on the idea of your income and other factors. tons of lending companies don’t even do a tough credit check. However, direct lenders may often do a minimum of a soft inquiry to form a loaning decision.