No Credit Check Loans | Loan Without Credit Checks - CreditRaters.com page
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  • Loan Amount
    $1000 - $10000
  • Loan Term
    60 Months
  • APR Range
    34% - 155%
Net Credit
  • Personal Loans $1,000 - $10,000
  • Line of Credit up to $3,500
  • 14 States Covered
  • Loan Amount
    $1000 - $5000
  • Loan Term
    48 Months
  • APR Range
    29% – 299%
Loan Now
  • Lightning fast online applications
  • Funds typically deposited within 24 hours of acceptance
  • Repay the balance over multiple months to reduce each repayment
  • Loan Amount
    $100 - $1000
  • Loan Term
    30 Months
  • APR Range
    26.88% - 1303.57%
Amount $200, Finance Charge $35.20, APR: 229.43%, Repayment $235.20 on 30 days Lend Up
  • Loans available within 1 business day of acceptance
  • Multiple repayment options including debit card, MoneyGram and check
  • Clear your outstanding balance early without early repayment charges
  • Loan Amount
    $300 - $750
  • Loan Term
    6 Months
  • APR Range
    190%
Loan Amount $400, 120 days. Total of payments $569.88, APR 190%. Fig Loans
  • 9.7 TrustPilot Score
  • Instalment loans and credit lines
  • Fast acceptance rate
  • Loan Amount
    $100 - $1500
  • Loan Term
    12 Months
  • APR Range
    390%
Check Into Cash
  • Providing short term loans for more than 25 years
  • Excellent selection of short term loans
  • Outstanding customer service
  • Loan Amount
    $100 - $1000
  • Loan Term
    6 Months
  • APR Range
    618%
A $500 loan over a period of 182 days with 13 bi-weekly payments (every 14 days) would have a payment of $89.24 with an APR of 387.92%. Check City
  • Online and in store loans available
  • Payday loans from 1 – 40 days
  • Loans paid within 24 hours of acceptance
  • Loan Amount
    $1 - $2400
  • Loan Term
    35 Months
  • APR Range
    90% - 805%
Cash Net USA
  • Multiple products to choose from
  • Quick and easy online application
  • Instant decision and same day cash transfer available
  • Loan Amount
    $100 - $500
  • Loan Term
    24 Months
  • APR Range
    150% - 450%
24-month installment loan of $2,501 would require 24 monthly installments of $400.39 per month, which totals $9,609.36 when all is said and done. Cash Central
  • Competitively priced against similar short term loans
  • Confidential online service
  • Get a decision in seconds and funds in minutes (if accepted by 7.45pm EST Mon - Thur)
  • Loan Amount
    $100 - $2500
  • Loan Term
    9 Months
  • APR Range
    471% - 841%
Blue Trust Loans
  • A higher maximum borrowing limit of up to $2,500
  • Longer repayment periods of up to 10 months
  • Reduced fees of up to $16.00 per $100 borrowed
  • Loan Amount
    $200 - $1500
  • Loan Term
    18 Months
  • APR Range
    35% - 600%
Repay $1,000 over 13 bi-weekly payments at an APR of 344.85%, this would be made up of 12 payments of $175.95 and a final one off repayment of $175.08 upon completion. Big Picture Loans
  • Tribal status means they're able to offer their own lending terms without state restrictions
  • 91% of accepted applications paid within 24 hours
  • Customer service team available 24/7
  • Loan Amount
    $500 - $5000
  • Loan Term
    36 Months
  • APR Range
    187% - 412%
Borrow $2,000 for 12 months with a 19.9% representative APR and a monthly repayment of $183.63. Total repayment will be $2,203.56 Bad Credit Loans
  • Able to assist borrowers from all credit backgrounds
  • Loans are unsecured meaning none of your assets are at risk
  • Accepted loans typically deposited within 24 hours
  • Loan Amount
    $50 - $4000
  • Loan Term
    18 Months
  • APR Range
    400% - 521%
AmeriCash
  • Excellent customer service track record
  • Lightning fast online application
  • High acceptance rates
  • Loan Amount
    $100 - $5000
  • Loan Term
    12 Months
  • APR Range
    143% - 688%
Advance America
  • Lightning quick deposits
  • High acceptance rates
  • Broad range of lending products
  • Loan Amount
    $100 - $1500
  • Loan Term
    30 Months
  • APR Range
    214.62% - 611%
Ace Cash Express
  • More than 50 years of experience providing short term loans
  • Wide range of lending products available
  • Excellent customer service record
  • Loan Amount
    $2600 - $100000
  • Loan Term
    180 Months
  • APR Range
    13.33%
The Loan Exchange
  • Complete an application for free! Applying does not impact your credit score!
  • Select the offer that works best for you and save your offers for up to 30 days!
  • Your funds will be deposited right into your account in as little as one business day!
  • Loan Amount
    $500 - $5000
  • Loan Term
    18 Months
  • APR Range
    59% - 160%
Loan Amount $2000, 9 monthly payments of $395,58. Total of payments $3,560.22, APR 160%. OppLoans
  • Get approved today with an easy online loan application!
  • Once approved, receive money in your account as soon as the next business day!
  • Payday loans average an APR of 400%. Compare to maximum 199% APR offered through OppLoans!
  • Loan Amount
    $400 - $50000
  • Loan Term
    24 Months
  • APR Range
    521.43% - 1173.21%
Representative Example: If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24. Honest Loans
  • Submit to borrow up to $50,000!
  • Works with wide range of lenders!
  • Friendly and fast loan broker!
  • Loan Amount
    $100 - $5000
  • Loan Term
    6 Months
  • APR Range
    18.23%
Representative Example: If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Credit Clock
  • Same day credit available!
  • Lends to most states in America!
  • Repay your loan early anytime!
  • Loan Amount
    $100 - $5000
  • Loan Term
    12 Months
  • APR Range
    18.23%
Representative Example: If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Money Lender Squad
  • New 2019 American loan broker!
  • Access over 30 lenders in 1 application!
  • Low APR rates and cheap monthly installments!
  • Loan Amount
    $100 - $5000
  • Loan Term
    12 Months
  • APR Range
    18.23%
Representative Example: If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Viva PaydayLoans
  • No previous credit history required!
  • Same day funding as quick as 10 minutes!
  • All employment types considered, even military!

Credit checks are commonplace in the American loans market. They help to give lenders an idea of how you’ve managed credit in the past along with information on any credit you’ve currently got outstanding.

For those with a poor credit score or no credit history at all, this can make applying for some loans tricky business, but the good news is that specialist loans without a credit check are available.

Let’s take a closer look at how no credit check loans work and how you can apply for a great rate on your next loan today.

How Do Loans Without A Credit Check Work?

Loans no credit checks have a lot of similarities with traditional loans in that you’ll be able to choose an amount to borrow and a term over which you’d like to repay the balance. If accepted, funds are then deposited into your checking account for you to use, typically within 24 hours.

The key differences with no credit check loans come during the application. Since lenders won’t be using your credit score as part of their overall assessment, they may require further evidence of your income or employment status instead.

You may need to provide documentation such as pay slips, bank statements, and your Social Security Number, so have these close to hand before you apply to speed up the process.

Similarly, if you decide to use a guarantor as part of your loan application, it will be their credit score rather than yours which will be assessed.

To help reduce the risk of lending to someone without checking their own credit score, they’ll instead use the credit history of someone you know who will also agree to step in and make your repayments should you ever be unable to pay,

Who Are No Credit Check Loans Suitable For?

Anyone can apply for no credit check loans, however, as a general rule of thumb, they tend to be more expensive than loans offered by lenders who do carry out more extensive background checks.

In our experience, loans with a credit check are more commonly used by those with a less than perfect credit score or for those without any credit history at all.

Borrowers With A Poor Credit History

If you’ve had issues managing credit in the past then this may have had a negative impact on your credit score. As a result, you could find it harder to obtain standard forms of credit, particularly those that put a heavy emphasis on credit checks during their application assessments.

No credit check loans can help you to overcome this hurdle with lenders instead of focusing on your ability to repay any debt offered rather than basing their decision on your credit score.

Borrowers With No Credit History

You might think that if you’ve never needed credit in the past that this would be seen as a positive by lenders, but unfortunately that isn’t the case.

If you’ve not had credit cards or other loans before then lenders won’t have any evidence on which to base their decision. Their cautious approach to lending means that those without a credit history will often be treated in a similar way to those with a poor credit history, often making loans without a credit check a more viable option when funds are needed fast.

What Can Loans Without Credit Checks Be Used For?

No credit check loans can be used for almost any personal expense. The funds will be deposited straight into your checking account, leaving you to spend the money as you wish.

In our experience, the most common uses for loans no credit checks include:

How Can I Apply For No Credit Check Loans?

Trying to find loans no credit checks used to be a real headache with so few lenders on the market offering these loan types. Fortunately, this is a thing of the past with hundreds of no credit check loans now available to US borrowers.

It all starts by comparing loans with no credit checks online. Simply fill in some basic information about you and the type of loan you’re looking for and we’ll search hundreds of US lenders on your behalf in seconds.

It’s then down to you to choose a lender you feel best meets your circumstances before finalising your application online in a matter of minutes. If accepted, you’ll need to sign your online credit agreement and funds can then be deposited into your checking account.