Just How Do Payday Loans Affect The Credit? Let’s say I Am into the Military? Because payday loan providers usually do not run a credit check, trying to get an online payday loan does not influence your credit rating or show up on your credit history. Additionally, title loans in Orange City California payday advances will not show on your credit file once you have accepted the mortgage. As being outcome, they do not assist you to boost your credit rating. Having said that, they are able to show up on your credit history in the event that loan becomes delinquent as well as the loan provider offers your account to an assortment agency.