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Personal Money Service is not a direct lender, but a connecting service that matches your loan request with one of the trusted lenders participating in the wide online network, thus you get more chances to qualify no matter what your credit score is. Soft credit check doesn't impact your credit score.
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No Credit Check Loans Online

If you have a credit report that shows some problems and low credit scores, or you haven't yet had a chance to create a positive borrowing and repayment history, you may wonder if you’re locked out of getting a loan under any circumstances. Excellent options, though, do exist. No credit check loans are available to a wide variety of borrowers, including those who have poor or unestablished credit ratings.

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Best for Fair Credit

Opploans

5.0

this rating is our subjective opinion


Minimum Credit Score

680

APR Range

59% - 199%with autopay

Loan Amounts Up to $100 per day
Fixed APR Does not charge interest
Loan Terms Until your scheduled payday
Frees No late fees ororigination fees
Time to Recive Funds Same day funding avalible
Recommended Credit Score No credit check required
Read the full review: Earning Personal Loans
Best for Fair Credit

Cashusa

4.5

this rating is our subjective opinion


Minimum Credit Score

680

APR Range

59% - 199%with autopay

Loan Amounts Up to $100 per day
Fixed APR Does not charge interest
Loan Terms Until your scheduled payday
Frees No late fees ororigination fees
Time to Recive Funds Same day funding avalible
Recommended Credit Score No credit check required
Read the full review: Earning Personal Loans
Best for Fair Credit

BadCreditLoans

4.0

this rating is our subjective opinion


Minimum Credit Score

600

APR Range

5.99% - 35.99%

Loan Amounts From $100 to $10000
Fixed APR Does not charge interest
Loan Terms From 90 days to 70 months
Fees No late fees origination fees
Time to Receive Funds Same day funding available
Recommended Credit Score No credit check required

No Credit Check Loan - Basic Criteria for Direct Lenders

Because the lender doesn’t check credit reports and scores to determine eligibility, your past borrowing and repayment activity won’t be a consideration. Instead, the lender will review alternative factors to determine qualification and set terms. These include:

  • Steady and sufficient income
  • At least 18 years of age
  • U.S. citizenship or residency
  • Bank or credit union account
  • Email address and other valid contact information

As long as you meet such basic criteria, the lender will extend you an installment loan that you can use for a wide variety of expenses. Because they’re installment loans, they come with fixed monthly payments, and interest is built into the loan amount.

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3 Steps to Request Funds Online

1

Fill out the Form

  • short and easy form
  • safe & secure
2

See If You're Approved

  • real-time request review
  • large network of lenders
3

Check Your Account

  • convenient borrowing option
  • money into bank account

Take Advantage of Loans with No Credit Check

Another benefit of no credit check loans is that your credit report won't be dinged after you apply for the loan. If you submit an application for most other types of credit products, the lender will notify the three major credit reporting agencies - Experian, TransUnion, and Equifax - that you have applied.

A hard inquiry would then be placed on your file and will be factored into your credit scores, potentially lowering them.

Don't shut yourself out from borrowing the money you need to pay for something important. A multitude of lenders are ready to grant no credit check loans online. Explore! You have nothing to lose by knowing what's out there.

Online loans with no credit check can provide you with the funds you need to cover crucial bills. For example, you may have to pay for expensive medical treatment for you, your child, or even your pet.

Or you might need the money to pay for essential travel costs, pricey car and home repairs, or for pressing education expenses. Cash loans without credit checks can supply you with the funds fast, so you don't have to delay or forgo something necessary.

Most traditional banks, credit unions, and financing companies will take your past history with borrowing and repaying money into account before offering you a loan, so if you don't have that, you’ll be out of luck. For this reason loan places that don't check credit exist. The loans they provide can be an excellent alternative to more conventional options.

According to the credit reporting agency Experian’s The State of Alternative Credit Data report, approximately 62 million Americans don’t have enough credit accounts listed on their credit reports to calculate a credit score.

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Qualify for Loans Based on Income

Income-based loans with no credit checks can be a great way to finance the products and services you need today but can’t cover with cash on hand. As long as you make your payments on time these loans won’t negatively impact your credit reports and scores. Most internet loan companies that don't check credit tend not to furnish account activity to the three reporting agencies, unless the account goes delinquent and the debt is referred to collections. To keep your history clean, all you have to do is make your payments as agreed and repay the loan in full (be it a $200 or $2000 loan).

Getting denied for credit products is frustrating, so another advantage to no credit check loans is that they can reduce stress. You don’t have to appeal to a friend or relative for a personal loan, who may not give it - or will but with too many strings attached.

You may feel confident that you’re a good risk because you have a job and can afford to make the payments. Easy loans based on income with no credit check fill in the gap between waiting to develop a positive credit history and needing cash now.

Getting a Loan Without a Credit Check

So where to start? Rather than scour the internet randomly, Personal Money Service seamlessly connects customers who want a no credit check loan with direct lenders via the application form. The process is safe, simple, and you can apply for a loan in minutes. Or review the variety of companies that offer these products from the table above, and choose among them.

When reviewing options, look for the lowest interest rate (APR) you can get, the right term (number of months you have to repay), and the correct amount you need borrow. Remember, lower APRs, shorter terms, and the least amount you borrow will result in the most affordable loan for you.

Traditionally, financial institutions rely heavily on credit scores to make their lending decisions. These scores are numerical representations of the information listed on your credit reports. FICO® Scores and VantageScores, range from 300 to 850 are most commonly used. If your scores are too low, however, your application may be automatically rejected.

The advantage of a loan without a credit check is that your consistent income will be the primary qualifying factor for money loans instead of a credit score. Which makes sense, because it will indicate to the lender that you have sufficient cashflow to satisfy the payments every month.

Personal Money Service is not a direct lender so doesn’t offer bad credit loans with guaranteed approval, but as long as you meet the lender’s guidelines you should be approved for the loan you seek. In fact a $2,500 to $3,000 loan with no credit check may be available to you almost immediately, and can even be a higher amount.

Just over 11% of U.S. consumers have credit scores that are under 550, the lowest scoring range — Fair Isaac Corporation, which produces the FICO® Scores.

Soft Credit Check Explained

Hard inquiries are factored into credit scores, and an over abundance of them, especially when you don’t have much on your credit report or your scores are already low, can have a negative scoring effect.

On the other hand, a soft credit inquiry will not affect your credit scores at all. That’s because you don’t submit an application that allows a lender to pull your credit reports and conduct a detailed review.

With a soft inquiry, a lender merely scans your credit history on its own, to see if you might be right for certain products. Such soft inquiries may or may not appear on your credit report, but they never are factored into your scores.

In short, lenders for soft credit check loans don’t add hard inquiries to your credit report, which means your scores are protected from potential damage.

Aside from not requiring an established or positive credit rating, instant approval is available with direct deposit loans with no credit check. After approval, the money will usually be deposited into your checking or savings account fast — usually the same day you applied.

Frequently Asked Questions

Can I get a loan without a hard inquiry?

Yes, loans with soft credit checks are available. A soft credit check is when you, a lender or a business reviews your credit report without you actively applying for a credit product. Unlike hard inquiries, soft inquiries have no impact on your credit rating.

What's the easiest loan to get with bad credit?

To get bad credit loans fast, apply online. These no credit check loans usually just require that you fill out a short online form with basic financial and contact information. Depending on your financial circumstances, a small loan with no credit check should be available to you and in your bank account within the day of application.

Can you get a loan if you have no credit?

No credit check loan lenders recognize the dilemma millions of people in the U.S. face. They don’t have an established or positive credit report with high credit scores, but need money to cover an emergency. For this reason many lenders are willing to provide qualifying borrowers who don’t have good credit with a no credit check loan.

Can I get a loan without a credit check?

If you need a loan with no credit check, simply connect with the lenders that are willing to work with people who do not have an established credit history. As long as your income can support the payment and you fit the other qualifying factors, you should be able to get the loan you requested.

Where can I get a $5,000 loan with no credit check?

Although no credit check loans tend to be in smaller increments, such as $2,500 to $3,000, you might need more. Therefore some of our partner lenders offer $5,000 loans too.

What are the best no credit check loans?

To avoid overpaying in interest or getting into more debt than you can handle, look for the best no credit check loan for you. The payments should easily fit into your budget, the interest rate should be the lowest possible, and the loan needs to be in an amount you need - not more. A direct lender will have all that information available for you to review, so read over the terms carefully.


Erica Sandberg
Erica Sandberg

Erica Sandberg is a financial expert, journalist and author of "Expecting Money: The Essential Financial Plan for New and Growing Families." Her articles and insights are featured in such publications as Fox, CNN, The Wall Street Journal, MSN Money, MarketWatch and many more. Erica is on the advisory committee for Project Money and a member of the Society of American Business Editors and Writers.