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4 Loans with no credit check and Alternative Borrowing Options
Advertiser disclosure You're our first priority. Every time. We believe that everyone should be able to make financial decisions without hesitation. While our website doesn't feature every company or financial product that is available however, we're confident of the advice we provide as well as the advice we provide and the tools we develop are independent, objective easy to use and completely free. So how do we make money? Our partners pay us. This can influence the products we write about (and the way they appear on the site), but it does not affect our recommendations or advice which are based on thousands of hours of research. Our partners do not promise us favorable ratings of their goods or services. .
4 Loans with no credit check and Borrowing Alternatives
No-credit-check loans may have rates that are triple-digit and repayment terms that are short. Think about alternatives before borrowing.
The last update was on January 17, 2023
Many or all of the items featured on this page are from our partners who compensate us. This impacts the types of products we review and the location and manner in which the product appears on a page. But, it doesn't affect our opinions. Our opinions are our own. Here is a list of and .
Table of Contents
Table of Contents
A no-credit-check loan can appear to be the only option to access cash quickly, especially even if you have a poor credit score or have no credit history. However, some of these loans can be risky, particularly if they have triple-digit rate of interest or short repayment terms.
Emerging financing options like "buy now, pay later" or cash advances appsthat give access to cash without the need for a credit check, are alternatives to credit-based loans.
No matter what type of loan you consider, research the lender and rates- and make plans to pay back the loan prior to borrowing.
Is there a zero-credit check loan?
A lender that doesn't check your credit history or credit score in choosing whether to offer you an loan. Credit checks are not required for payday lenders, as well as other businesses that offer .
These loans usually range from just a few thousand dollars or less, and are used to pay for an emergency or bridge a gap in income. They typically have short term repayments of several weeks or even months.
The fact that you don't know your credit score makes the loan risky for the lender, and many non-credit-check installment loans mitigate this risk by charging high rates . The loans' short terms can also make them difficult to pay off in time and can trap borrowers in a cycle of debt.
>> MORE:
Back to top
4 credit-check-free loan options
No-credit-check installment loans
No-credit-check loans are widely accessible online. Borrowers who decide to take this route should be sure to research different loans. NerdWallet has looked over the lenders with no credit check, which offer different loan sizes and rates.
Nerdy Tip
Interest rates on no-credit-check installment loans usually reach triple-digits and the total interest paid can be more than double the amount initially borrowed. If you're unable to make the payments then the lender might offer to refinance the loan for a greater amount or for a longer time and make the loan more costly. You should consider this type of loan a last resort after you've exhausted all .
OppLoans
OppLoans are short-term loans that range from $500 to $4,000 that have the repayment period ranging from nine up to 18 months. Rates can reach 160%, making this an expensive loan that's best reserved for emergency situations.
OppFi is the lender that offers OppLoans, examines accounts of the applicants to assess their cash flow each month. Instead of a traditional credit pull the lender examines an prospective applicant's Clarity Services report, which provides information on consumers who have low credit scores.
OppFi reports payments to the three main credit bureaus, which means that timely payments can help you build credit, whereas late payments can hurt your credit score.
>> MORE:
To get a loan from OppFi, you need:
A minimum monthly gross income of $1,500.
A bank account with at least 40 days of history.
Payrolls are received via direct payment.
Possible Financing
Possible Finance, an application which offers loans of $50 to $500 to those who have bad or poor credit. Terms for repayment are as long as eight weeks. Payments are scheduled by biweekly payments. Possible's rates can reach 240 percent, which is very in comparison to the 36% maximum that is recommended by most consumer advocates.
Possible reviews applicants' bank account transactions to determine if they're eligible and also their loan amount, but the lender doesn't conduct a hard credit check.
>> MORE:
To get a loan from Possible Finance, you need:
A Social Security #.
An ID issued by the state like driver's license.
A bank account that has a positive balance which has recently made deposits.
At least three months of the transaction record.
Cash advance applications that do not require a credit check
Cash advance apps can provide up to 100 dollars to help customers to bridge the gap between their paychecks. You can request an advance on the app, and the app provides a repayment date -- usually your next payday.
The apps don't perform a Soft or Hard credit check, instead, they review the transactions in your bank account to decide if they should give you an advance and for how much. Earnin is an example of a program that does not charge a fee for use.
Earnin
Earnin is a mobile application which allows borrowers to withdraw up to $750 out of their pay before the payday. The app doesn't charge mandatory costs, but there are optional tips and fees for funding on the same day.
Earnin requires proof of time worked, either via an electronic timesheet or by sharing your location using the application.
>> MORE:
To be able to get an advance through Earnin, you need:
To be at least 18 years old and at least a U.S. citizen.
A valid Social Security number.
A regular pay schedule.
To receive at least 50percent of your pay through direct transfer.
An office with a fixed location or an electronic timesheet.
>> MORE:
Pay with no credit card now, then pay later apps
" " is an option for financing that divides the cost of a purchase when shopping online or in store. The most commonly used BNPL loan utilizes the pay-in-four system The borrower pays 25% of your purchase at the point of purchase, and the remaining in three equal installments every two weeks.
BNPL businesses typically only do the soft pull of credit. Afterpay is one BNPL application that's widely used and suitable for those who are first-time users.
Afterpay
Afterpay breaks down purchases between $200-$2,000 into smaller installments. There is no interest charge However, late fees can be as high as $8.
Afterpay only does a soft credit check upon applying. The app divides your purchase into 4 equal payments -- one due today, and the remaining three due on biweekly intervals.
>> MORE:
To use Afterpay at the time of checkout, you'll need:
Age 18 or older and an U.S. resident.
A verifiable email address.
To be authorized to use the credit card debit card, checking account or credit card account for the purchase.
>> MORE:
Summary of no-credit-check lenders
Lender
Type of loan
Loan amount
Est. APR
Fees
A high-interest, installment loan.
$500 - $4,000.
59.00% - 160.00% .
None.
High-interest installment loan.
$50 - $500.
54.51% - 240.52% .
May charge 2 percent .
Cash advance app.
$100 - $750.
None.
Optional fast funding fee: $0.99 $3.99. $3.99.
Optional tip.
Pay later, buy now app.
$200 - $2,000.
None.
Late fee late fee: $8.
Return to the top
How do you shop for loans that do not require a credit check loans
If an installment loan is the best choice there are a few tips to avoid an untrustworthy lender.
Look for the APR. APR can help you assess the loan's financial viability and can be compared to similar loans. Loan lenders are legally required to provide the loan's APR.
Choose a lender who assesses your ability to repay. Reviewing your bank account information as well as a credit pull that is soft or examining other credit bureaus, and asking for documents or proof of earnings are signs that a lender is looking for you to repay the loan. A lender who doesn't take the time to check the ability of you to pay back could be betting on being required to borrow another loan to pay off the initial loan, which is how the cycle of debt begins.
Understand the repayment terms. Whether you agree to repay the money in two weeks or a couple of months, you should know the date of your payment and when the lender will collect the money. If the lender debits your bank account, review your budget to make sure that you have enough money and you won't overdraw.
Check the amortization plan. If the loan requires multiple payments then ask for the amortization schedule, which includes a chart that indicates how much of each installment is devoted to principal and how much goes to interest. It is recommended that at least a portion of each payment will pay down the principal.
Check for the license of the lender. The Federal Trade Commission requires lenders to register in all states where they do business. Many of them list licences and registrations online.
Beware of fraudsters. A reliable lender will not ask you to pay them before you get an loan. If the lender requests cash or gift cards prior to loaning money, it's likely a scam.
>> MORE:
Back to top
No-credit-check loan alternatives
Family loans
You can ask a trusted friend to help you pay a bill, cover rent or offer you cash in exchange for food items. It might be difficult to get someone's help for help, but it's a good idea to protect your credit and stop you from entering into an agreement with payday or high-interest lenders. Your family member and you can draw up an agreement that outlines your loan amount, repayment timeframe and the method of repayment.
>> MORE:
Payment plans
If you think that reducing a credit card bill or rent, utility bill or mortgage payment for a month or two would be enough, you can inquire about a payment plan. Certain utility companies and creditors have hardship forms they can use for an extension request but you may have to reach out to your lender or landlord.
Credit union loans
Some offer personal loans that start at $500. To qualify you, they may consider information beyond your credit score, for instance, the history of your membership. Federal credit union caps rate for private loans at 18%. A few credit unions provide payday alternative loans or , which are small-dollar loans with maximum interest rates of 28%.
Capital Good Fund
accepts borrowers with thin or poor credit to apply for emergency loans up to $1500. Capital Good Fund doesn't require credit , but will examine any credit history you have. Capital Good Fund also provides loans for the cost of immigration as well as home weatherization in a few states. With rates that range between 5 and 16%, Capital Good Fund loans are an excellent option for consumers who live in states where the lender is a service.
Online lending
Some lenders on the internet take into consideration borrowers with low credit -- even those with FICO scores below 600. To determine if you are eligible they will consider other information, like employment status and outstanding debts. Bad-credit loans have higher interest rates, but typically not above 36%..
>> COMPARE:
Check if you are pre-qualified for an individual loan - without affecting your credit score
Answer a few simple questions to receive personalized rate estimates from multiple lenders.
The loan amount
on NerdWallet
No-credit-check loan example
A one-year, $2,000 loan with APR of 36% would be a monthly payment of $201. The same loan from a non-credit-check lender which has an APR of 200% will cost you $396 per monthmore than double the price.
>> MORE:
Here are examples of that same loan that was repaid with different APRs.
Credit score
Example APR
Monthly installments
Total payments
Excellent (720 or higher)
11%
$177
$2,121
Low (629 or lower)
36%
$201
$2,411
No-credit-check
200%
$396
$4,747
About the writer Annie Millerbernd is an individual loans writer. Her work has appeared in The Associated Press and USA Today.
On a similar note...
Explore even more deeply in Personal Loans
Get more smart money moves right to your inbox
Join us and we'll send you Nerdy articles about the financial topics you care about the most and other ways to help you make more from your money.
Here is more regarding 255 payday loan look into our own web site.
Advertiser disclosure You're our first priority. Every time. We believe that everyone should be able to make financial decisions without hesitation. While our website doesn't feature every company or financial product that is available however, we're confident of the advice we provide as well as the advice we provide and the tools we develop are independent, objective easy to use and completely free. So how do we make money? Our partners pay us. This can influence the products we write about (and the way they appear on the site), but it does not affect our recommendations or advice which are based on thousands of hours of research. Our partners do not promise us favorable ratings of their goods or services. .
4 Loans with no credit check and Borrowing Alternatives
No-credit-check loans may have rates that are triple-digit and repayment terms that are short. Think about alternatives before borrowing.
The last update was on January 17, 2023
Many or all of the items featured on this page are from our partners who compensate us. This impacts the types of products we review and the location and manner in which the product appears on a page. But, it doesn't affect our opinions. Our opinions are our own. Here is a list of and .
Table of Contents
Table of Contents
A no-credit-check loan can appear to be the only option to access cash quickly, especially even if you have a poor credit score or have no credit history. However, some of these loans can be risky, particularly if they have triple-digit rate of interest or short repayment terms.
Emerging financing options like "buy now, pay later" or cash advances appsthat give access to cash without the need for a credit check, are alternatives to credit-based loans.
No matter what type of loan you consider, research the lender and rates- and make plans to pay back the loan prior to borrowing.
Is there a zero-credit check loan?
A lender that doesn't check your credit history or credit score in choosing whether to offer you an loan. Credit checks are not required for payday lenders, as well as other businesses that offer .
These loans usually range from just a few thousand dollars or less, and are used to pay for an emergency or bridge a gap in income. They typically have short term repayments of several weeks or even months.
The fact that you don't know your credit score makes the loan risky for the lender, and many non-credit-check installment loans mitigate this risk by charging high rates . The loans' short terms can also make them difficult to pay off in time and can trap borrowers in a cycle of debt.
>> MORE:
Back to top
4 credit-check-free loan options
No-credit-check installment loans
No-credit-check loans are widely accessible online. Borrowers who decide to take this route should be sure to research different loans. NerdWallet has looked over the lenders with no credit check, which offer different loan sizes and rates.
Nerdy Tip
Interest rates on no-credit-check installment loans usually reach triple-digits and the total interest paid can be more than double the amount initially borrowed. If you're unable to make the payments then the lender might offer to refinance the loan for a greater amount or for a longer time and make the loan more costly. You should consider this type of loan a last resort after you've exhausted all .
OppLoans
OppLoans are short-term loans that range from $500 to $4,000 that have the repayment period ranging from nine up to 18 months. Rates can reach 160%, making this an expensive loan that's best reserved for emergency situations.
OppFi is the lender that offers OppLoans, examines accounts of the applicants to assess their cash flow each month. Instead of a traditional credit pull the lender examines an prospective applicant's Clarity Services report, which provides information on consumers who have low credit scores.
OppFi reports payments to the three main credit bureaus, which means that timely payments can help you build credit, whereas late payments can hurt your credit score.
>> MORE:
To get a loan from OppFi, you need:
A minimum monthly gross income of $1,500.
A bank account with at least 40 days of history.
Payrolls are received via direct payment.
Possible Financing
Possible Finance, an application which offers loans of $50 to $500 to those who have bad or poor credit. Terms for repayment are as long as eight weeks. Payments are scheduled by biweekly payments. Possible's rates can reach 240 percent, which is very in comparison to the 36% maximum that is recommended by most consumer advocates.
Possible reviews applicants' bank account transactions to determine if they're eligible and also their loan amount, but the lender doesn't conduct a hard credit check.
>> MORE:
To get a loan from Possible Finance, you need:
A Social Security #.
An ID issued by the state like driver's license.
A bank account that has a positive balance which has recently made deposits.
At least three months of the transaction record.
Cash advance applications that do not require a credit check
Cash advance apps can provide up to 100 dollars to help customers to bridge the gap between their paychecks. You can request an advance on the app, and the app provides a repayment date -- usually your next payday.
The apps don't perform a Soft or Hard credit check, instead, they review the transactions in your bank account to decide if they should give you an advance and for how much. Earnin is an example of a program that does not charge a fee for use.
Earnin
Earnin is a mobile application which allows borrowers to withdraw up to $750 out of their pay before the payday. The app doesn't charge mandatory costs, but there are optional tips and fees for funding on the same day.
Earnin requires proof of time worked, either via an electronic timesheet or by sharing your location using the application.
>> MORE:
To be able to get an advance through Earnin, you need:
To be at least 18 years old and at least a U.S. citizen.
A valid Social Security number.
A regular pay schedule.
To receive at least 50percent of your pay through direct transfer.
An office with a fixed location or an electronic timesheet.
>> MORE:
Pay with no credit card now, then pay later apps
" " is an option for financing that divides the cost of a purchase when shopping online or in store. The most commonly used BNPL loan utilizes the pay-in-four system The borrower pays 25% of your purchase at the point of purchase, and the remaining in three equal installments every two weeks.
BNPL businesses typically only do the soft pull of credit. Afterpay is one BNPL application that's widely used and suitable for those who are first-time users.
Afterpay
Afterpay breaks down purchases between $200-$2,000 into smaller installments. There is no interest charge However, late fees can be as high as $8.
Afterpay only does a soft credit check upon applying. The app divides your purchase into 4 equal payments -- one due today, and the remaining three due on biweekly intervals.
>> MORE:
To use Afterpay at the time of checkout, you'll need:
Age 18 or older and an U.S. resident.
A verifiable email address.
To be authorized to use the credit card debit card, checking account or credit card account for the purchase.
>> MORE:
Summary of no-credit-check lenders
Lender
Type of loan
Loan amount
Est. APR
Fees
A high-interest, installment loan.
$500 - $4,000.
59.00% - 160.00% .
None.
High-interest installment loan.
$50 - $500.
54.51% - 240.52% .
May charge 2 percent .
Cash advance app.
$100 - $750.
None.
Optional fast funding fee: $0.99 $3.99. $3.99.
Optional tip.
Pay later, buy now app.
$200 - $2,000.
None.
Late fee late fee: $8.
Return to the top
How do you shop for loans that do not require a credit check loans
If an installment loan is the best choice there are a few tips to avoid an untrustworthy lender.
Look for the APR. APR can help you assess the loan's financial viability and can be compared to similar loans. Loan lenders are legally required to provide the loan's APR.
Choose a lender who assesses your ability to repay. Reviewing your bank account information as well as a credit pull that is soft or examining other credit bureaus, and asking for documents or proof of earnings are signs that a lender is looking for you to repay the loan. A lender who doesn't take the time to check the ability of you to pay back could be betting on being required to borrow another loan to pay off the initial loan, which is how the cycle of debt begins.
Understand the repayment terms. Whether you agree to repay the money in two weeks or a couple of months, you should know the date of your payment and when the lender will collect the money. If the lender debits your bank account, review your budget to make sure that you have enough money and you won't overdraw.
Check the amortization plan. If the loan requires multiple payments then ask for the amortization schedule, which includes a chart that indicates how much of each installment is devoted to principal and how much goes to interest. It is recommended that at least a portion of each payment will pay down the principal.
Check for the license of the lender. The Federal Trade Commission requires lenders to register in all states where they do business. Many of them list licences and registrations online.
Beware of fraudsters. A reliable lender will not ask you to pay them before you get an loan. If the lender requests cash or gift cards prior to loaning money, it's likely a scam.
>> MORE:
Back to top
No-credit-check loan alternatives
Family loans
You can ask a trusted friend to help you pay a bill, cover rent or offer you cash in exchange for food items. It might be difficult to get someone's help for help, but it's a good idea to protect your credit and stop you from entering into an agreement with payday or high-interest lenders. Your family member and you can draw up an agreement that outlines your loan amount, repayment timeframe and the method of repayment.
>> MORE:
Payment plans
If you think that reducing a credit card bill or rent, utility bill or mortgage payment for a month or two would be enough, you can inquire about a payment plan. Certain utility companies and creditors have hardship forms they can use for an extension request but you may have to reach out to your lender or landlord.
Credit union loans
Some offer personal loans that start at $500. To qualify you, they may consider information beyond your credit score, for instance, the history of your membership. Federal credit union caps rate for private loans at 18%. A few credit unions provide payday alternative loans or , which are small-dollar loans with maximum interest rates of 28%.
Capital Good Fund
accepts borrowers with thin or poor credit to apply for emergency loans up to $1500. Capital Good Fund doesn't require credit , but will examine any credit history you have. Capital Good Fund also provides loans for the cost of immigration as well as home weatherization in a few states. With rates that range between 5 and 16%, Capital Good Fund loans are an excellent option for consumers who live in states where the lender is a service.
Online lending
Some lenders on the internet take into consideration borrowers with low credit -- even those with FICO scores below 600. To determine if you are eligible they will consider other information, like employment status and outstanding debts. Bad-credit loans have higher interest rates, but typically not above 36%..
>> COMPARE:
Check if you are pre-qualified for an individual loan - without affecting your credit score
Answer a few simple questions to receive personalized rate estimates from multiple lenders.
The loan amount
on NerdWallet
No-credit-check loan example
A one-year, $2,000 loan with APR of 36% would be a monthly payment of $201. The same loan from a non-credit-check lender which has an APR of 200% will cost you $396 per monthmore than double the price.
>> MORE:
Here are examples of that same loan that was repaid with different APRs.
Credit score
Example APR
Monthly installments
Total payments
Excellent (720 or higher)
11%
$177
$2,121
Low (629 or lower)
36%
$201
$2,411
No-credit-check
200%
$396
$4,747
About the writer Annie Millerbernd is an individual loans writer. Her work has appeared in The Associated Press and USA Today.
On a similar note...
Explore even more deeply in Personal Loans
Get more smart money moves right to your inbox
Join us and we'll send you Nerdy articles about the financial topics you care about the most and other ways to help you make more from your money.
Here is more regarding 255 payday loan look into our own web site.
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