When life throws a curveball and you need quick loans with no credit check — with a less than stellar credit score — online personal loans without a credit check can be a common sense lifesaver. I’m Eien, and I have experienced firsthand seeing financial hurdles stand in the way of even the most well-prepared plans.
This post will cover a curated selection of more than 20 lenders that will provide online personal loans without traditional credit checks. We’ll explain what makes these options potentially perfect for you, provide an overview of each company’s offerings — and even provide a detailed comparison table to help you weigh costs versus benefits. Whether you’re facing an unexpected expense or preparing for an essential home repair, here’s a look at who you might be able to enlist on the path to financial relief.
What Are No Credit Check Loans and Why They Matter
Borrower Base Type: Traditional lenders will usually run hard credit inquiries that can further dent a sagging credit score. That additional blow can be demoralizing when you’re already experiencing a financial squeeze. Easiest Personal loans from online lenders that don’t check your credit—using alternative data such as bank transactions and job history—provide a less invasive path. They enable you to borrow against your income rather than a number, which makes them available for people with less than stellar credit.
These loans come with several benefits including:
- Fast, easy application processes with no impact on your credit score.
- Alternatives that take into account income stability and cash flow
- Accessing funds in a pinch without hearing the ‘no’ you’ll get from conventional banks
Like any financial tool, though, there are tradeoffs. Interest rates and fees might be higher than traditional loans, and loan amounts might be smaller. If you need cash quickly, and checkered credit history is throwing up obstacles, these options can help fill the void.
Explaining Online Personal Loans With no Credit Check
Before we get into the individual lenders, it’s helpful to clarify what “no credit check” means. In that sense, it means loans that don’t involve a traditional hard credit inquiry — which can ding your score — and instead rely on soft checks or alternative data sources (such as bank statements or employment history) to determine your ability to repay. So this approach limits your risk, protects your credit, and still gets you the funds needed.
For many borrowers, these loans have been life changing. I recall when I had to put a repair on my car on credit because it was an especially punishing month. Even though my credit history isn’t glowing, I found an online lender that didn’t use a hard inquiry. So it was quick, and the money was deposited within no time, and the car was fixed without me having to spend anymore money. This is where no credit check loans are truly worthwhile.
The 21 Best No Credit Check Personal Loan Lenders
I did my market research, consulted with a number of sources, and have found 21 reputable lenders that do online personal loans, with no hard credit inquiry involved. Instead, these companies look beyond those factors and use alternative criteria to determine your creditworthiness, which makes them a good option for borrowers in a bind.
1: OppLoans
It also offers something unique: Instead of performing a hard credit check, it does a soft inquiry and analyzes your bank transactions and income. While its APRs are among the highest available (between about 160% and 195%), the tradeoff is speedy approval and a chance to improve your credit history if you pay on time. If you’re in a bind and need a few thousand dollars immediately to take care of some bills or repairs, OppLoans is an option you may want to consider — even if it’s an expensive one.
- Overview: OppLoans is a well-known provider that utilizes soft credit checks, and offers installment loans specifically designed for individuals with low credit scores.
- Why It Works: It looks at income and bank transactions instead of doing a hard credit pull.
- Visit OppLoans
2: Advance America
Advance America: A trusted name in short-term loans without a credit check It provides loan amounts generally ranging from $200 to $3,000 and repayment terms between 6 to 24 months. The interest rates can be steep (48% to more than 200%), so these loans should only be used as a last resort, and to cover small, urgent costs. Its efficient online process can make it a one-stop shop if you’re in need of quick cash, but be careful and review the fine print about any fees.
- Overview: Advance America provides fast, online loans, an easy application process, and no traditional credit check.
- Why It Works: It’s especially helpful for small, immediate cash needs with repayment terms that work well for short-term expenses.
- Visit Advance America
3: EarnIn
Before payday, you don’t have to wait until then to get a portion of your earned wages, which is not a traditional loan provider, EarnIn is an app. No interest is charged, and you can pay only an optional fee for instant access, so EarnIn is ideal for covering small, unplanned expenses — a car repair or medical bill. Its model is based on trust and responsabilization, bringing a modern touch to the paycheck advance concept.
- Overview: EarnIn is an app that gives you advances on your paycheck after analyzing your bank activity, so there’s no credit check involved.
- Why It Works: It’s built for people who want to borrow against their next paycheck, with flexible repayment options.
- Visit EarnIn
4: Brigit
Brigit is a personal finance app that offers some cash advances and budgeting tools. It lets you take out small amounts (usually $50 to $250) without a hard credit check. Brigit’s strength comes from its incorporation of budgeting features that can help you better manage your money while helping you cover short-term cash needs. The loan amounts are small, but they can be a useful bridge for when you are in temporary need of cash.
- Overview: Brigit gives cash advances from its budgeting app that can provide loans of small amounts based on cash flow, without a credit inquiry.
- Why It Fits: It’s perfect if you want something low-cost and fairly fast that also helps to manage your budget.
- Visit Brigit
5: 60MonthLoans
If you are a borrower and require a co-response income that you can buy, 60MonthLoans offers personal loans ranging from $2,600 to a limited maximum limit of $10,000. What really differentiates them is that they have competitive APR range (17.75% to 35.90%) and longer repayment periods (12 to 60 months). This makes them a better alternative for individuals who need time to pay back and want to escape the hyper rates frequently connected with payday advances. They have a simple online process, and the repayment terms are flexible, which many borrowers like.
- Summary: 60MonthLoans offers hard credit check-free personal loans at competitive APRs, according to WalletHub.
- Why It Is a Good Fit: It has more options for loan amounts and repayment terms, so it can suit many different needs.
- Visit 60MonthLoans
6: King of Kash
King of Kash has earned its standing over nearly 40 years as a dependable source of personal loans without old-school credit checks. They provide loans up to $20,000, which can be a substantial amount when you’re dealing with a serious financial emergency. Their approval is based on your signature and income verification, not your credit score. If you appreciate a company with a long history and individualized service, King of Kash is worth looking into.
- Overview: King of Kash has been in business for nearly 40 years and offers low-cost personal loans with no traditional credit check.
- Why It Works: Their long-standing reputation and fast approval process make them a good choice.
- Visit King of Kash
7: Cleo
Cleo is a newer entrant in this space, which delivers small, short-term cash advances with an extremely friendly mobile app interface. Cleo loans tend to be on the low end (between $20 and $250), so they’re great for quick, small expenses. The process is instantaneous, and since no hard credit inquiry is made, it is not going to hurt your credit score. But if you require a bigger loan, you may have to seek elsewhere.
- Overview: Cleo offers small cash advances with no hard credit check, perfect for quick, small needs.
- Why It Works: When you need cash quickly, its easy-to-use app and fast turnaround time are ideal.
- Visit Cleo
8: Dave
Dave is an app that offers interest-free cash advances. That way, Dave doesn’t have to play the role of the bank — instead, he makes a small charge for express transfers when you need your money in your bank account ASAP. It’s ideal for anyone who wants to steer clear of the interest that accompanies most loans, but the fee structure means you must still budget for an extra cost every time you use the service. Thanks to Dave’s simple, streamlined process, it’s appealing to small, short-term needs.
- Best for low-cost borrowingOverview: Dave provides cash advances via its app, letting you borrow money without a credit check and only charging fees for express transfers.
- Why It Works: It’s a no-brainer if you want to avoid interest altogether and pay just a nominal fee when times are tight and speed is everything.
- Visit Dave
9: Oportun
Oportun serves borrowers with little or no credit history by using alternative data to evaluate lending risk. Their loans go from $300 to $10,000, so you have a fair amount of leeway depending on your wants. Oportun is especially helpful for those who don’t have much borrowing history and need to begin establishing their credit history. It is fully online, and is meant for people who may have been turned were away from traditional banks.
- Overview: Oportun serves borrowers with limited or no credit history by providing personal loans using alternative data points.
- Why It Works: This can especially help if you’ve never borrowed before, and want to establish a credit history without a hard inquiry.
- Visit Oportun
10: Eagle Express Loans (Blue Eagle Credit Union)
If you have an account with Blue Eagle Credit Union, their Eagle Express Loans provide a simple option to get a loan without a credit inquiry. These loans are intended for current members, and often offer attractive features, such as a fixed monthly payment for a 12-month term. If you prefer a trusted local institution to work with, the personnel service and community focus of a credit union may make this a more comfortable option.
- Overview: If you’re already a member with the credit union, Blue Eagle’s Eagle Express Loans are good no credit check loans you can apply for quickly and easily.
- Why It Works: The personalized service and competitive terms for members give these borrowing options a sense of trust and ease.
- Visit Blue Eagle Credit Union
11: Cash Net USA
Cash Net USA offers payday Loans and installment loans online with no hard credit check. Their process of getting a loan is quick and is ideal for average to small sums of cash that a borrower may require. But like most short-term loans, interest rates and fees can be high, so it’s best to use it for emergencies rather than long-term financing.
- Overview: CashNetUSA provides online payday and installment loans without a hard credit check, which can be easier for subprime borrowers to qualify for.
- Why It Works: While it can come with higher fees in some cases, it’s a good option for urgent, small-dollar loans.
- Visit CashNetUSA
12: Check Into Cash
Check Into Cash is a slightly more conventional name in the world of no credit check loans. As a result, they will provide individuals with quick cash advances, applying few or no conditions. Borrowing money, however, can come at a high price, and it’s critical that you familiarize yourself with their fee structure before signing on the dotted line.
- Brief Description: Popular for providing payday loans, Check Into Cash also offers loans without an extensive credit check process.
- Why It Works: It’s a traditional lender for quick cash, but pay attention to interest rates.
- Visit Check Into Cash
13: Speedy Cash
They provide a similar service to Check Into Cash, emphasizing fast approvals and the funding process. Their loans help with short-term needs, and generally have flexible repayment plans attached. Although the convenience and sense of immediacy are strong advantages, borrowers need to be mindful of potentially high APRs that could make them more expensive in the long run if not paid off quickly.
- Speedy Cash: Speedy Cash provides fast cash advance services with limited credit checks, making it an excellent option for immediate financial needs.
- Why It’s a Fit: Its fast processing and flexible repayment options make it appealing for short-term borrowing.
- Visit Speedy Cash
14: Money Mutual
MoneyMutual functions as an online loan marketplace, allowing you to see what offers different lenders (including those that don’t require a traditional credit check) have for you. This is great if you want to check options, but not submit a lot of applications. But since it’s an aggregator, the final terms will vary by the lender you select in the platform.
- Overview: MoneyMutual is an online loan marketplace that can help you compare loan offers from many lenders, some of which don’t require traditional credit checks.
- Why It’s a Fit: It lets you compare multiple offers all in one spot, which saves you time and stress.
- Visit MoneyMutual
15: PersonalLoans.com
Another aggregator is Personal Loans can connect you with lenders that provide personal loans to people with bad or no credit. It makes the process of shopping for loans easier by giving access to multiple offers at once. You won’t be interacting right away with one lender, but this platform is a solid initial site to see what loans you may be available for based on your financial profile.
- Overview: PersonalLoans.com is an aggregator. com connects you to lenders who provide personal loans with minimal strict credit check requirements.
- Why It Works: It streamlines the shopping experience by allowing you to see multiple offers at once based on your financial profile.
- Visit PersonalLoans.com
16: Lend Up
Founded in 2012, LendUp is a company that offers credit and loans to individuals at the subprime level who might not otherwise qualify. With their unique use of alternative data to determine how repayable you are as a borrower, you can even secure a loan if you have a low credit score. Consider applying to LendUp if you’ve been denied credit from more traditional lenders, as the company emphasizes transparency and fairness in lending.
- Overview: LendUp is focused on subprime borrowers and offers personal loans that don’t rely solely on a credit score.
- Why It Works: Its mission is to provide a second chance to those who have struggled in the past, and on clear terms.
- Visit LendUp
17: Net Credit
NetCredit is a personal lender that performs a soft credit inquiry, making it more accessible to individuals with less-than-ideal credit scores. They have a broad scope, providing everything from small amounts to a few thousand dollars and flexible repayment terms. Their procedure is meant to be quick, and online, though interest rates can vary based on your credit risk.
- Overview: NetCredit provides personal loans with a soft credit inquiry, which makes them accessible to individuals with less-than-stellar credit scores.
- Why It Works: Their flexible terms and repayment options help to lighten the financial load in rougher times.
- Visit NetCredit
18: Cash USA
CashUSA is an online lender that provides personal loans with no hard credit check. If you’re looking for fast cash, they are a good option due to their simple application process and quick funding times. Like many alternative lenders, be sure to closely inspect the fees and interest rates before committing.
- Overview: Like the previous lender, CashUSA is an online lending platform that connects borrowers to personal loans without a hard credit check.
- Why It Works: Designed for fast, simple borrowing with few moving parts.
- Visit CashUSA
19: BadCreditLoans.com
As an aggregator for people with poor credit, BadCreditLoans. com Connects You With Lenders Willing to Overlook a Low Credit Score. While the offers are very different, this site is a good way to get an overview of what is on offer. That’s a critical comparison to make because the costs can vary greatly from lender to lender.
- Overview: This online loan aggregator connects borrowers with lenders that provide loans to people with bad or no credit history, often without a rigorous credit check.
- Why It Works: It offers a list of options curated specifically for people with difficult credit histories.
- Visit BadCreditLoans.com
20: Affirm
While Affirm is best known for buy-now-pay-later (BNPL) service, it also provides an option for installment loans that depend on soft credit checks. Affirm’s model is built to be simple and transparent, with fixed interest rates that don’t compound and no late fees. It comes in handy especially if you are making a purchase and would like to break up the payments over time without the trick shave.
- Overview: Affirm may be best known as a buy-now-pay-later option, but the company also provides installment loans with soft credit checks rather than hard credit inquiries.
- Why It Works: With clear, fixed interest rates and no late fees, Affirm is a 21st-century way to split payments.
- Visit Affirm
21: Lending USA
Lending USA is another personal loan aggregator with the ability to connect you to lenders that will not perform a hard credit check. It focuses on an easy, simplified application process and allows you to compare several offers side by side. This can prove especially helpful if you want to make sure you’re getting the best possible terms for your situation.
- Overview: Lending USA acts as an aggregator that matches borrowers with lenders of personal loans, including options that don’t involve a traditional credit check.
- Why It Works: Its no-hassle platform and wide variety of loan types will help find one that suits your precise needs.
- Visit Lending USA
Comparison Table: Weighing Costs and Benefits
To help you quickly compare these options, here’s a table summarizing key details for each lender:
| Company | Loan Amount Range | APR Range | Repayment Terms | Key Pros | Key Cons |
|---|---|---|---|---|---|
| OppLoans | $500 – $4,000 | 160% – 195% | 9 – 18 months | Fast approval; soft credit check; builds credit | High APR; limited loan amounts |
| Advance America | $200 – $3,000 | 48% – 216% | 6 – 24 months | Quick funding; accessible application process | Very high interest rates; state restrictions |
| EarnIn | $50 – $750 | 0% (plus optional fee) | Up to 1 month | No interest if you wait; minimal fees | Limited advance amount; fee for instant cash |
| Brigit | $50 – $250 | Low flat fee | 1 month | Budgeting tools integrated; flexible repayment | Smaller loan sizes; monthly subscription fee |
| 60MonthLoans | $2,600 – $10,000 | 17.75% – 35.90% | 12 – 60 months | Larger loan options; competitive APRs; fast processing | Charges origination fee (0% – 5%) |
| King of Kash | Up to $20,000 | Varies (affordable) | Flexible | Long-standing reputation; no traditional credit check | Limited to borrowers in specific regions |
| Cleo | $20 – $250 | 0% | 1 month | Instant decisions; easy-to-use app | Very low loan amounts; non-disclosed fees |
| Dave | $20 – $500 | 0% | Up to 1 month | No interest; simple process; fast funding | Fees for express transfers |
| Oportun | $300 – $10,000 | Competitive | Varies | Accepts no-credit history; builds credit with on-time payments | May require alternative documentation |
| Blue Eagle Credit Union | $1,000 – $1,500 (Express) | Around 22% (Express) | 12 months | Personalized service; no credit check for members | Limited to existing members; membership required |
| CashNetUSA | $500 – $4,000 | Varies; often high | Short-term installment | Quick online process; flexible repayment | Higher fees for urgent cash advances |
| Check Into Cash | $100 – $1,000 | Varies | Short-term | Widely accessible; fast funding | Predatory fee structures in some cases |
| Speedy Cash | $100 – $1,000 | Varies | Short-term | Rapid approvals; flexible options | High APRs can apply |
| MoneyMutual | $100 – $5,000 (aggregator) | Varies by lender | Varies | Aggregates multiple offers; easy comparison | Not a direct lender; terms vary |
| PersonalLoans.com | $500 – $10,000 (aggregator) | Varies by lender | Varies | Access to diverse offers; streamlined application | Dependent on partner lenders |
| LendUp | $100 – $1,500 | Varies (higher for subprime) | Short-term | Focus on subprime borrowers; transparent terms | Limited loan sizes; higher rates for riskier profiles |
| NetCredit | $500 – $5,000 | Varies; uses soft check | 6 – 36 months | Flexible repayment options; soft credit check | May have high fees for lower credit scores |
| CashUSA | $500 – $4,000 | Varies | Short-term installment | Simple online process; quick funding | Interest rates can be steep |
| BadCreditLoans.com | Aggregator (varies widely) | Varies | Varies | Tailored for bad credit; comprehensive lender network | Terms vary widely; requires careful review |
| Affirm | $50 – $20,000 (installments) | 0% – 36% | 3 – 60 months | Transparent fees; no late fees; fixed interest on principal | Primarily BNPL; may not suit larger loan needs |
| Lending USA | $1,000 – $10,000 (aggregator) | Varies | Varies | Easy comparison; diverse partner lenders | Aggregator model; terms depend on chosen lender |
Note: Loan amounts, APR ranges, and repayment terms may vary by state and individual eligibility. Always review the terms directly on the lender’s website.
My Personal Experience
I still vividly recall the day I encountered an unexpected expense — a broken pipe at home that flooded my living room, with repairs that ended up costing a lot more than I bargained for. My credit wasn’t the greatest at the time, and traditional banks refused to work with me. I was wary of getting a high-priced loan, but I also knew I needed a quick solution.
After some digging, I found an online lender that wouldn’t run a hard credit check. I never thought I would get approved for a personal loan that easily. The process was completely transparent, and within a day the funds appeared in my account.
Not only did this help me get my home repaired without incurring more debt, but I was able to use that fact to get started rebuilding my credit history through on-time payments. That experience gave me two lessons — sometimes, alternate lending options, when available, can be incredibly beneficial in times of crisis, even if not perfect.
And I mention this story because I know what it’s like to hesitate to borrow money when your credit is not so hot. Every money move involves tradeoffs, and while online personal loans without a credit check are likely to come with higher interest rates, the convenience and speed they offer makes all the difference — especially if you’re in a pinch.
How to Use online Personal Loans with No Credit Check Wisely
Plan Your Repayment: The application process may be simple, but have a repayment plan in place to avoid falling into the trap of debt. Missing payments can result in late fees and even more damage to your credit.
Understand the Costs: Don’t rush to shop around and compare the APR, fees and repayment terms. Although loans without credit checks can be very rare, they usually come with a higher than average interest rate.
Borrow Only as Much as Necessary: Avoid over borrowing by evaluating your real needs. A smaller loan you can pay off rapidly will also save you money over the long haul.
Shop Around With the Help of Aggregators: MoneyMutual and PersonalLoans com to compare offers from several lenders with no impact on your credit score.
Gradual Credit Development: These types of loans are good for building a positive history of on-time payments. This will leave you with higher-quality borrowing options in the future.
Final Thoughts
Online personal loans no credit check are not a perfect fit for everyone. They are made to serve as a lifeline when you’re contending with financial trouble and traditional lenders aren’t an option. As you contemplate borrowing, compare the advantages of fast access to capital and the potential to establish or improve your credit profile with the greater potential expense that such loans can entail.
The important thing is to shop around, compare the offers closely (using tools like our comparison table) and pick the lender that best suits you and your current financial profile. Bear in mind that these loans should be short-term and there when you need to get you through a tough time—not a long-term financial plan.
If you’re ready to do some more research based on your options, take a few to check out the offers available on the recommended platforms above. Fortunately, with the right strategy, you can get the cash necessary without adding to credit woes and improve your financial wellness.
Ready to take the next step?
Check out one of the recommended lenders or aggregators, and see your options and get started on your application! Whether you’re dealing with an emergency home repair or unexpected bills, there’s a loan without a credit check that could help give you some breathing room — both through your financial challenges and at the financial institution itself.
Innovate, build and bring your best dreams in Citibank together with us, it only takes one step with the right lending partner that would Turn Up your Financial Affordability.
Eien’s Note:
I’ve been down this road before, and while it’s not always an easy trek, I’ve found a lender willing to look beyond a number on a credit report. I hope this guide provides a helpful resource and reminds you that other forms of financing are available.
Have you ever gotten a no credit check loan to cover a financial gap? Tell us about your experiences and tips in the comments below, and feel free to reach out directly if you have any questions about navigating these options. Your thoughts might help assist someone else going through a similar experience.
Observe these guidelines setting up you and do diligence, you can make an informed choice that meets your immediate needs while laying the groundwork for a brighter financial future.
Note: Always read the terms and conditions on the lender’s website before applying, and consult with a financial adviser if you have questions about how a loan might affect your overall financial plan.
Happy borrowing, and here’s to more financially savvy decisions!
