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A no credit check payday loan is a financial instrument used by people who require cash urgently. It is referred to in many ways but most commonly called a Payday loan. These types of loans are the most convenient and best resource to tap funds in times of need. A: Yes you can definitely get emergency student loans that do not require a cosigner. Emergency student loans are meant for those who have met an unforeseen emergency which they could not have predicted. So you do not need to have a cosigner on your side in order to get funds through these loans. It is very common to fall short of cash in the middle of the month. The problem becomes very serious when you encounter some urgent cash requirement. The reason could be unexpected hospitalization, organizing a birthday party, paying school fee of your children and many more. You cannot wait for the next salary every time to fulfill today's need.