Best No Credit Check Loans

You can get a personal loan with no credit check if you apply with the right lender. For example, OppLoans and 60MonthLoans are two notable personal loan providers that won't do a credit check when you apply, as they evaluate applicants based on factors such as income and employment status instead.

Personal Loans With No Credit Check

• OppLoans: 160% - 179% APR
• 60MonthLoans: 19.09% - 35.83% APR
• Integra Credit: 99% - 300% APR

It's important to note that since these lenders cater primarily to people with bad credit or no credit, their loans are usually a lot more expensive than personal loans from companies that do a credit check. That said, a loan with no credit check can still come in handy, so we'll break down how to go about getting one below.

6 Steps for Getting Personal Loans With No Credit Check

1. Find the right lenders. There aren't many reputable personal loan providers with no credit check, but they do exist.
2. Check for pre-qualification. Even though applying for a no-credit-check loan won't hurt your credit score anyway, pre-qualification is still worthwhile because it can show you what rates you might get.
3. Compare terms. Pick the best loan based on the APR, fees, amount offered, and payoff period.
4. Submit an application. You'll typically apply for a personal loan with no credit check either online or over the phone.
5. Wait for a decision. It's typical to receive a decision quickly, but it could take a few business days.
6. Receive the funds. If you're approved for a loan, you can get your money anywhere from the same day to one or two business days later.

No Credit Check Personal Loan Alternatives

Borrowing from friends and family

Someone you have a close relationship with is less likely to care about your credit and more likely to give you good terms than a traditional lender is.

Credit cards

You could apply for a credit card with no credit check, use it responsibly in order to improve your credit standing, and then apply for a personal loan when your odds of approval are higher.

Payday loans 

Many payday lenders offer loans with no credit check. You can borrow a small amount of money that must be repaid with your next paycheck. These lenders have predatory fees, often equivalent to an APR around 400%, so they're not worth using unless you have no other options.

Auto title loans 

These loans are secured by your car, and you can lose your vehicle if you are unable to pay back what you owe. In addition, you can end up owing fees and interest equal to as much as 25% of what you borrow, and the loans only last for a few weeks. This is not a good option.

Pawnshop loans 

A pawnshop will give you part of the value of an item, and you must repay it within a certain time period, usually a few months, with interest. If you repay what you owe, you get your item back. If not, the shop can sell it. This type of loan is not ideal because you could owe 2% to 25% interest per month, but it's not the worst option out there if you have valuables you don't particularly care about.

Keep in mind that even if you have bad credit or no credit, you don't necessarily need to get a personal loan with no credit check. Some personal loans have relatively low credit score requirements – as low as 580 in some cases. And if you're worried about the credit score damage from applying, this drop will be small (usually around 5 - 10 points), and you should be able to bring your score back up after several months of on-time payments.

Some types of loans that do not require a credit check are payday loans, personal loans with no credit check, most federal student loans, and some credit-builder loans. Most of these loans are meant for borrowers with bad or no credit history, so the interest rates and fees might be higher compared to other types of loans.

The best no credit check personal loans are from 60MonthLoans because the company has loan amounts of $2,600 - $10,000, APRs as low as...

You can borrow money fast with no credit by getting a personal loan from companies such as Oportun or OppLoans, which may accept applicants with no credit history. Other fast-funding options include paycheck advances, credit cards, or loans from a friend or family member.

Payday loans and auto title loans offer fast funding as well, but they're not worth it. These loans often have extremely high fees and very short repayment periods. You should avoid...

The easiest loans to get approved for are payday loans, pawnshop loans, car title loans, and personal loans with no credit check. These types of loans offer quick funding and have minimal requirements, so they're available to people with bad credit, but they're also very expensive in most cases.

Below, you can compare some of the easiest personal loans to get approved for right now.

Easy Personal Loans to Get Approved For

• Best for Medical Bills...

The easiest loans to get with no credit are personal loans with no credit check because the lender doesn't perform a hard inquiry into your credit history when you apply. The best no credit check loans are from 60MonthLoans, as the company has loan amounts of $2,600 - $10,000 and a minimum APR of 19.09%.

Some other personal loan providers will check your credit history but will still consider applicants with no credit. For your convenience, below is a comparison of the...

You can get a no credit check cash loan from friends or family members since no major lenders offer funding directly in cash. You could also consider payday loans, pawn shop loans or auto title loans, but they are risky and can be very expensive.

Alternatively, if you don't need to receive physical cash directly from the lender, you can simply get a personal loan with no credit check from a conventional lender and then withdraw the loan funds...

The best quick loans with no credit check are from OppLoans because the company has a funding timeline of 1 - 3 business days. OppLoans also offers loan amounts of $500 - $4,000, an APR range of 160% - 179% and repayment periods of 9 - 18 months. Since OppLoans does not do a hard inquiry when you apply, these loans are easy to qualify for.

Best Quick Loans with No Credit Check

The best long-term installment loans with no credit check are from 60MonthLoans. The company offers loans of $2,600 - $10,000, with a minimum APR of 19.09%, repayment periods of 24-60 months and a funding timeline of up to 3 business days.

Other lenders that offer no credit check installment loans do not have very long repayment periods, unfortunately. They are still worth considering, though.

Best Long-Term Installment Loans with No Credit Check

The best direct lender with no credit check is 60MonthLoans. The company does not do a hard pull of your credit history, and it has loan amounts of $2,600 - $10,000, an APR range of 19.09% - 35.83% and repayment periods of 24-60 months. A direct lender is a lender that handles the full process of the loan, from application to funding to taking monthly payments.

Best Direct Lenders with No Credit Check

The best holiday loans with no credit check are from 60MonthLoans because the company offers loan amounts of $2,600 - $10,000, a minimum APR of 19.09% and repayment periods of 24-60 months. That can more than cover the average family's holiday expenses, with ample time to pay off the loan.

Most lenders don't specifically offer “holiday loans,” but rather have general-purpose personal loans that can be used for holiday expenses, among others. Other lenders with no credit...