No Credit Check Loans

$100 to $5,000 paid out by 04:59am

  • Same day payouts!
  • 100% US Based
  • 100% Online Service
  • Borrow up to $5,000

Choose your desired loan amount and enter your details below.

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms & Conditions of Use. I understand that by submitting my information, I may be contacted by telephone by one lender.

Are No Credit Check Loans For Real?

Credit scores are one of the most stressful things that we adults have to deal with.

In an ideal world, we’d be able to prove that we have a stable income and wipe the slate clean of any issues that we had in the past whenever we liked. Unfortunately, credit ratings are so much more complicated than many of us would like.

How much would you like to borrow?

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms & Conditions of Use. I understand that by submitting my information, I may be contacted by telephone by one lender.

While you can spend your entire life building up a great credit rating, all it takes is a few bad experiences, and your score comes crumbling down to nothing again. Unfortunately, not only does that make it difficult to prove yourself to a lot of loan companies, but you could find that without a credit score, getting the money that you need for emergencies is impossible too.

It’s no wonder that the stress of credit scores leaves people wondering whether it might be possible to get a loan without any need for a credit check.

There are many different kinds of loans available today, from mortgages that allow you to purchase the house of your dreams, to fast loans that give you access to the ultimate vehicle. However, there’s no loan available in America so far that can be given without a credit check.

That’s because all regulated and certified loan providers are required by the local authorities in their State, and the federal regulations of the country, to show a certain level of care to their customers. If your loan provider didn’t check to see what your credit looked like before offering you a loan, then they could be putting you in a dangerous situation.

The regulators in the US require companies that offer any kind of loan, whether it’s a short-term loan, a payday loan, or a mortgage, to check out what’s happened to your credit situation throughout the years. This allows your loan provider to make certain that you are in a good position to take out credit. If you’re not, then the loan company should be able to advise you on what to do next.

Although you might think that you’ve seen companies offering no credit check loans before, the truth is that they’re usually either offering a loan that doesn’t rely exclusively on credit scores (like a payday loan), or they’re willing to give you a loan with a soft check first. A soft check means that your credit provider looks at the surface of your credit score, without diving any deeper.

Some loan companies can do a soft check to figure out whether you’re likely to be approved for a loan. When this happens, they can give you the go ahead to continue with your application, so that you don’t risk a hard credit check if you know for certain that the business in question isn’t going to give you the money that you need.

So How Do You Get a Loan with Bad Credit?

Just because all companies need to check your credit before offering you a loan, doesn’t necessarily mean that they’re not going to give you the money that you need. Most conventional banks and other lenders will only give you certain loans if you have a good credit score. This is usually the case if you’re applying for things like personal loans.

If you have a bad credit rating, then your traditional provider might recommend that you apply for a different kind of lending, such as a secured loan. With a secured loan, you give the bank some extra security in case they don’t get the money that they’re owed back from you. In some cases, this can mean promising the bank that it can repossess your car or your home if you don’t make repayments.

If you don’t have anything valuable to offer for security, then your bank could also suggest a guarantor loan. With guarantor loans, someone else with better credit than you can step in and agree to pay your loan if you can’t. Usually, a guarantor also has to have something that they can offer as security, such as their home.

If neither of those options sound appealing, there is another way that people can borrow money with bad credit. A payday loan gives you access to the quick cash that you need with a short-term lending solution. With a payday loan, you can borrow the money that you want, and pay it back on your next payday. Because you’re borrowing a small amount of cash, and you’re not holding onto it for long, the payday lender doesn’t have to worry too much about your credit rating.

Instead of focusing entirely on your credit score, payday lenders will often look at things like your current income, and how long you’ve been employed by your current job, to see if you have a consistent source of cash to pay off what you owe.

Applying for a Loan with Bad Credit

Applying for a loan when you don’t have the best credit doesn’t have to mean wasting time searching for someone who might offer you cash without checking your credit score. Instead, you’ll need to think about what kind of bad credit loan opportunities are right for you. While some people will want the freedom that comes with being able to pay off secured loans and guarantor loans over a long period of time, others will prefer to experiment with things like payday loans.

After all, payday loans allow you to get the money that you need without putting your items or your friendships at risk. At the same time, this kind of lending is usually a lot more convenient for people who are in a hurry to get their hands on some emergency cash. While secured and guarantor loans come with lengthy application processes, you can usually get a payday loan approved within a matter of hours.

All you need to do to get started is go online and find out whether your State is one of the locations that now approves payday lending. If it is, then you can begin searching for a loan provider that offers the kind of deal that you need. Remember to check for:

  • Reviews and ratings: Testimonials from previous customers can make it easier to determine whether your loan provider is trustworthy or not.
  • Caps on lending: Some loan companies can only offer so much money in the form of a short-term loan. It’s best to check this before you start applying.
  • Flexibility: You might want to check in advance whether your loan provider will be willing to roll a loan over for you if you need a little longer to pay it back.

Improving Your Chances of a Loan Approval

While you’re researching possible payday loan providers, it’s also a good idea to check what kind of things they look for in their customers. Most payday loan providers are notoriously laid back with their application requirements. There’s a good chance that you won’t need to provide too much information on your application.

Most of the time, your loan provider will simply want to know a few things about you and how much you want to borrow. They might ask you for some evidence that you’re a resident of the United States and that you’re a legal adult, so they know that it’s safe to give you your loan.

Additionally, since many payday loan providers are interested in the income that you have now, rather than what might have happened with your credit rating in the past, you might need to answer some questions on how much you earn in your current job, and how long you’ve been employed in the same position. This helps your loan provider to see that you’re in stable work.

If you’re approved for your loan, then you’ll usually be asked to fill out a post-dated check that will give your loan provider permission to automatically collect the money that they’re owed when your month is up. This simplifies the loan process, because it means that you don’t have to worry about counting down the days until your repayment.

The money comes out of your bank account on your next payday, and you can carry on with your life as normal, no longer worrying about any debts or repayments that you need to make. You might even find that you finally get the boost in your credit score that you’ve been waiting for. After all, there’s no better way to prove that you’re trustworthy with the credit agencies than to pay back a loan on time.

Why Use Us?
How much do you offer?
$100 - $5,000
No charges
Approval Chance?
High approvals!
Is poor / bad credit accepted?
All can apply
How do I get a loan?
Apply Online
2 min Application
Do I pay it all back at once?
Easy repayments

Ready to Get Started?

If you’re in need of a loan, whether it’s for an emergency or something else entirely, you don’t have to worry about missing out on opportunities just because you have bad credit. Even people with poor credit can have access to more loan opportunities today than ever before. If you have a regular source of income, and you’re willing to pay back what you owe fast, there are options out there for you!
Why not check out your loan options today?