In finance, as in life, there are no guarantees (except perhaps for death and taxes). However, the following credit services come pretty close, as they offer almost guaranteed loans without a credit check.Instead, you must meet their income requirements, have a bank account, and meet a few other conditions.
No credit check | Other lenders | FAQs
Guaranteed income-based loans with no credit check required
The following two credit services can connect you with a lender without doing a hard credit inquiry. You must meet the required income and age requirements (18 or older), U.S. citizenship or residency, and have a valid email address and bank account.
MoneyMutual
- Short-term loans up to $2.500
- Online marketplace of lenders
- Funds available in just 24 hours
- Simple online form takes less than 5 minutes to complete
- Confidence of more than 2.000.000 customers
- Not available in NY or CT
- Click here for the official website, terms and details.
4.8
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MoneyMutual works with a network of loan providers who are ready to help your business. You can be connected with a lender who can provide access to installment loans and cash advances from 250 to 2.500 US dollars offers.
If approved, you can receive your money in less than 24 hours. Your lender will explain the interest rate and repayment terms before you accept the loan. MoneyMutual is not available in New York and Connecticut.
CashAdvance.com
- Short-term loan from $ 100 to $ 1.000
- Large network of lenders
- Credit decision as fast as a few minutes
- Financing as soon as the next business day, if approved
- Click here for the official website, conditions and details.
3.9
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The CashAdvance.com Network can give you a short-term advance from $100 to $999 without checking your balance. It has been offering lender matching services since 1997.Lenders determine credit terms you should read and understand before taking out a loan. The lender will deposit your money and automatically collect payments from your checking account. CashAdvance.com is a member of the Online Lenders Alliance.
Other loans that may require a credit check
The networks for the following four credit services offer different types of credit, some of which require a hard credit inquiry, while others only perform a soft inquiry that does not affect your credit score.
You must be a U.S. citizen or resident, at least 18 years old, and have a valid checking account, phone number and email address.
CashUSA.com
- Loans from $500 to $10.000
- Get a credit decision in minutes
- Receive money directly into your bank account
- Use the loan for any purpose
- Click here for the official website, conditions and details.
4.7
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CashUSA.com can connect you with a lender from whom you can get up to 10.000 US dollars can be borrowed. Decisions and funding are made quickly, so you can access your loan proceeds the very next business day.
CashUSA.com is a free service, but loan terms and interest rates vary by lender. As a rule, the amortization periods for loans are between three and 72 months. You must have a regular monthly income of 1.000 USD or more have to qualify.
Lending.com
- Loans from 250 to 5.000 US dollars
- Cash deposited directly into your account
- Get money tomorrow
- Bad credit OK
- More than 750.000 customers since 1998
- Click here for official website, terms and details.
4.6
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CreditLoan can connect you with a lender who offers loans from 250 to 5.000 US dollar offers, regardless of whether what type of loan you have. The company has been brokering loans since 1998 and has more than 750.000 borrowers helped.
It has a useful website with a personal loan calculator to estimate monthly payments. If you qualify for a loan, your lender will set the APR and terms of the loan.
- Loans from $ 500 to $ 5.000
- Connect with a lender
- Simple form & fast financing
- Get your money as soon as the next business day, if approved
- Click here for official website, conditions and details.
4.6
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I have found lenders for borrowers with bad credit since 1998. It offers the option for no credit check loans and specializes in loans to people with bad or thin credit.Typical loan amounts range from $500 to $5.000 with repayment terms ranging from three to 60 months. If approved, your lender will set the loan terms. You can apply for different types of loans including personal, student, business, home and auto loans.
- Loans from $500 to $35.000
- Large lender network
- Quick credit decision
- Use the loan for any purpose
- Funding as soon as a working day, if approved
- Click here for the official website, conditions and details.
4.4
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PersonalLoans.com may be able to offer no-credit-check loans starting at $1.000 to arrange. Typical loan terms are between three and 72 months.
This loan service operates in all 50 states. Lenders on the PersonalLoans.com they can decide and finance your loan quickly and provide you with cash as early as the next business day. Loan types include personal, bank and peer-to-peer loans.
Can I get a loan without a credit check?
There are two types of credit checks:
Soft inquiry: This is a credit check that you initiate or no new loans include. It will not affect your credit score.Hard inquiry: this is a credit inquiry initiated by a lender or other third party when you apply for new credit. It can temporarily reduce your credit score by five to 10 points, but the effect usually disappears within a year.
Impact may be greater if multiple hard requests occur within a short period of time. However, multiple inquiries that specify rate shopping for a mortgage, student loan or auto loan will generally not affect your credit score as long as you complete your rate shopping within 30 to 45 days.
All six credit services in this assessment may be able to give you a loan without making a hard inquiry. Inquiries are directed to one or more of the three major credit reporting agencies – Experian, TransUnion and Equifax.All three use the FICO scoring system, where credit inquiries account for 10% of your credit score. Hard inquiries stay on your credit report for two years, but only affect your credit score for one year.When you apply for a no-credit-check loan, you signal to the lender that you have a low credit score. Your credit history may include derogatory information such as delinquencies, collections, defaults, foreclosures or bankruptcies.Of course, you would prefer not to rely on your credit history if it is littered with unhelpful information. That makes a no-credit-check loan a valuable alternative, but keep in mind that this type of loan is typically more expensive. It may have a higher APR, a smaller loan amount or more restrictive repayment terms.
What is the best online loan company for bad credit loans?
If you want a short-term cash loan, MoneyMutual has the highest score. The credit network can provide you with a cash loan from $250 to $2.500 US dollars. You repay the advance on the next payday.
MoneyMutual also offers installment loans with longer terms. You pay them back in monthly installments over a fixed term.Either way, this credit service is happy to work with bad credit consumers who need a no credit check loan. If you don't qualify for a no-application loan, you may find another type of loan that meets your needs.
For longer-term loans, the top score goes to CashUSA.com for installment loans of up to $10.000. You can get a loan with a term of three to 72 months, and you only have to pay as little as $1.000 per month to qualify.
We've evaluated other types of bad credit online loans, and you may find one of these suitable. For example, you may be able to arrange an auto refinance loan and pay off the equity in your vehicle.
Our top auto loan provider is Auto Credit Express. The network specializes in bad loans, even if you have experienced repossessions or bankruptcies. You must have $1.Earn 500 per month to qualify for one of its loans.
If you are a homeowner, you can try a cash-out home refinance loan or home equity line of credit. Our first choice is LendingTree for home loans, but it also offers personal loans.When refinancing your home, you must first calculate your equity, which is the current value of your home minus the current balance of your mortgage. Lenders may be willing to lend you up to 100% of your equity, although many may set a lower limit.
What is the easiest way to get a loan with bad credit?
In terms of ease and convenience, credit card cash advances are hard to beat – that is, if you already have a credit card that offers cash advances. You can make an advance online or through a mobile app where you transfer the advance amount to your bank account.What makes this an easy type of loan is that you don't have to apply for it. You did all this work when you applied for the credit card. Note, however, that the APR on a credit card advance may be higher than your regular purchase APR.
The APR and any additional fees you'll be charged for a credit card advance are listed in your card's terms and conditions.
Loans from a home equity line of credit (HELOC) are just as easy. Like credit cards, these are revolving lines of credit from which you can borrow, repay and re-borrow repeatedly. They are similarly convenient, as all you have to do is write a check or make an online transfer – no new credit application required.If you need to fill out an application form, the online loan services reviewed here are very convenient, as just one loan request can generate loan offers from one or more lenders. They all follow a similar process.
First, you fill out a short credit inquiry form that does not generate a hard inquiry. The credit service forwards your request to its lender network, which can generate one or more credit offers. You can then complete the application process quickly and receive your loan the next business day after the loan is approved.
Find a lender who reports your payments
Guaranteed loans with no credit check exist. The "guarantee" is really an assurance that the lender will do everything possible to give you a loan despite your low credit score.Of the six lenders reviewed in this article, two are good prospects for a short-term cash loan without a credit check. The other four offer longer-term loans that may be available with or without credit checks.If you get a no credit check loan, it is best to find a lender that reports your repayments to the major credit bureaus. This can help you rebuild your credit score so that you no longer need no-credit check loans in the future.
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