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If you’ve got bad credit, the chances are that you’ll look for no credit check loans when you’re in a financial pickle. While banks are hesitant, online lenders offer quick access to no credit check loans to borrowers with bad credit or no credit. High interest is not a deterrent for individuals hunting for no credit check loans because of their poor credit history or inability to meet the bank’s eligibility criteria.
Because so many Americans are currently seeking out viable options for no credit check loans, we thought it was time to check out the local providers of such loans and report back! Below, we feature our editor’s pick of the top five providers of no credit check loans across the US.
No Credit Check Loans – Quick 5 Picks
- Low Credit Finance: Best Overall for Installment Loans Online
- Viva Payday Loans: Best for No Credit Check Loans Guaranteed Approval
- Big Buck Loans: Best Online Payday Loans Processed in a Hurry
- Heart Paydays: Best for Small Payday Loans Online No Credit Check for Unemployed Individuals
- Green Dollar Loans: Best for Payday Loans for Bad Credit Borrowers
Best No Credit Check Loans Guaranteed Approval of 2022
Low Credit Finance: Best Overall for Installment Loans Online
Getting installment loans online is easy when using the Low Credit Finance loan-finder platform. Here, you can access installment loans online between $100 and $5000 that come with repayment periods of 3 months to 2 years.
We found the overall process of applying for installment loans online with Low Credit Finance rewarding. First, the process is quick and easy – anyone can do it without prior knowledge of finance or how loans work. The online application form provides prompts so you can provide all the relevant information. Secondly, the feedback on your loan application is provided within minutes, so you won’t have to waste any valuable time wondering if you can possibly get a loan or not. In addition, lenders on the Low Credit Finance panel tend to quickly pay out approved installment loans online.
If you're 18+, earn $1000 or more per month, and are a legal resident/citizen of the USA, you're likely to be assisted by one of the lenders on the Low Credit Finance platform, subject to further affordability checks by the lender offering installment loans online.
Eligibility Requirements to Apply for Installment Loans Online
- US bank account with direct deposit required
- Supporting documents required: proof of address, pay slips, bank statements
- 18 years old, at least, earning $1000+ per month
Pros of Installment Loans Online
- Very simple application process
- No confusing industry jargon
- Fast processing of loans
Cons of Installment Loans Online
- High interest rates due to lender’s risk.
Viva Payday Loans: Best for No Credit Check Loans Guaranteed Approval
No credit check loans guaranteed approval for those who meet the eligibility criteria are the name of the finance game at Viva Payday Loans. At Viva Payday Loans, there's a focus on helping borrowers access loans that meet their needs and budgets. The loans available range from $100 to $5000 with 3 to 24 months to pay.
No credit check loans guaranteed approval come with interest attached, ranging from 5.99% to 35.99%, depending on the lender. And if you're looking for a lower interest rate, it's sometimes a good idea to ask - many lenders are competitive enough to consider lower APRs.
Viva Payday Loans welcomes all kinds of borrowers to apply for no credit check loans guaranteed approval via their platform. This includes bad credit borrowers, students, and even unemployed individuals. The application process will take you just a few minutes and you’ll know within 2 minutes of submitting your application if you can be assisted or not.
Eligibility Requirements to Apply for No Credit Check Loans Guaranteed Approval
- You must be 18 years old minimum to apply
- Your income must be $1000 per month or more
- You must present a valid ID
Pros of No Credit Check Loans Guaranteed Approval
- Bad credit borrowers welcome
- Cash paid out quickly on approved loans
- Competitive lenders offer interest starting from 5.99%
Cons of No Credit Check Loans Guaranteed Approval
- Interest can go as high as 35.99% with some lenders
Big Buck Loans: Best Online Payday Loans Processed in a Hurry
Some might say that the best online payday loans are those that are processed quickly, and that’s exactly what you can expect at Big Buck Loans. This loan-finder is focused on speedy loan processing and ensuring that borrowers have access to flexible loan options.
The best online payday loans available via Big Buck Loans range in size from $100 to $5000. As a borrower, you will get 3 to 24 months to pay, which you can elect to make weekly, bi-monthly, or monthly payments via debit order.
What makes Big Buck Loans’ offerings the best online payday loans available isn’t just about speedy processing. All that’s required is information such as your full name, ID, address, employment details, and a list of your monthly bills and expenses. The best online payday loans for people in a hurry can be found at Big Buck Loans, earning this loan-finder a firm third place on our editor’s pick of top providers.
Eligibility Requirements to Apply for Best Online Payday Loans Processed in a Hurry
- Only over 18s allowed
- Income must be $250 p/w or $1000 p/m
- Legitimate residents and citizens of the USA only
Pros of Best Online Payday Loans Processed in a Hurry
- Quick processing and disbursement of funds
- Flexible loan amounts
- Reasonable repayment terms and schedules
Cons of Best Online Payday Loans Processed in a Hurry
- High interest rates.
Heart Paydays: Best for Small Payday Loans Online No Credit Check for Unemployed Individuals
If you generate an income each month but not through formal employment, you’re bound to be worried when it comes to a time in life where you need to take out a loan. At Heart Paydays, you will find a variety of small payday loans online no credit check for both employed and unemployed individuals that range in size from $100 to $5000.
For those who need just a few bucks to get through the month, the small payday loans online no credit check are the ideal option. They can be paid back over a few weeks or months (3 to 24 months) with automated debits that can be set up to come off once a month, twice a month, or once a week. And interest ranges from 5.99% to 35.99%.
When applying for small payday loans online no credit check via Heart Paydays, you will only need to fill out one application form to be considered by the panel of lenders.
Eligibility Requirements to Apply for Small Payday Loans Online No Credit Check for Unemployed Individuals
- 18+ to apply
- Earn $1k per month
- Be a legal citizen or resident of USA
Pros of Small Payday Loans Online No Credit Check for Unemployed Individuals
- Unemployed individuals welcome
- Bad credit borrowers welcome
- Quick processing of loans
Cons of Small Payday Loans Online No Credit Check for Unemployed Individuals
- Expensive borrowing option.
Green Dollar Loans: Best for Payday Loans for Bad Credit Borrowers
Green Dollar loans outshine the rest when it comes to finding the best place to acquire payday loans for bad credit. This loan-finder platform focuses on helping those with a less-than-perfect credit score. The loans available on the platform are offered by some of the country's leading lenders, and the service you can expect is ethical and transparent.
When shopping for payday loans for bad credit on the Green Dollar Loans platform, you can expect to get access to loans ranging from $100 to $5000. As an approved borrower, you will get between 3 and 24 months to pay the loan back, depending on the total amount of your loan.
Interest charged by lenders on the Green Dollar Loans panel have APRs ranging from 5.99% to 35.99%.
Eligibility Requirements to Apply for Payday Loans for Bad Credit Borrowers
- Applicants no younger than 18 years old
- Income must be at least $1000 per month
- Valid ID required
Pros of Payday Loans for Bad Credit Borrowers
- Loans processed quickly
- Bad credit borrowers welcome
- Flexible loan amounts and terms
Cons of Payday Loans for Bad Credit Borrowers
- APRs can be high.
What Are Loans with No Credit Check & How Do They Work?
Loans with no credit check are cash amounts provided to borrowers with less-than perfect-credit scores. Credit scores aren’t required to approve such a loan because lenders look at the applicant’s ability to meet eligibility requirements and also assess their income vs. expenses to determine the loan’s affordability.
How to Apply for Loans with no credit check in Four Quick Steps
When applying for loans with no credit check via the Low Credit Finance website, there are four quick and easy steps to follow:
Step 1: Choose the Required Loans No Credit Check Amount
When applying for loans no credit check, you must first select your loan amount and term.
Step 2: To Acquire Loans No Credit Check, Complete the Application Form
To provide more information on the loans no credit check you require, access the application on the top right-hand side of the screen and follow the prompts to complete the application form.
Step 3: Get Decisions on Payday Loans Online No Credit Check Instant Approval
You can expect feedback on your application for payday loans online no credit check instant approval within a few minutes and then decide how you want to proceed. If you go ahead, the lender will draw up a loan agreement that must be read and signed.
Step 4: Get Ready for Payouts on 1 Hour Payday Loans No Credit Check
Once the signed loan agreement is received by the lender, they will pay out the funds. 1 hour payday loans no credit check are usually processed within the hour and paid out by the next business day. This cannot be guaranteed and is lender dependent.
No Credit Check Loans Same Day Features & Factors to Consider
Disbursement of Funds on Payday Loans No Credit Check
If you’re looking for cash in a hurry, choose to deal with loan-finders and lenders that offer quick disbursement of funds on their payday loans no credit check.
Credibility of Lenders Offering Loans for Bad Credit No Credit Check
When using a loan-finder site such as Low Credit Finance to secure loans for bad credit no credit check, you stand to benefit from a transparent and ethical service provided by responsible and accredited lenders.
Interest to Expect on No credit Check Loans Guaranteed Approval Direct Lender
Interest is not something to be overlooked. Keep in mind that no credit check loans guaranteed approval direct lender options come with increased risk to the lender. This often translates to high interest rates. Interest can range from 5.99% to 35.99%.
Repayment Terms Available for Online Loans No Credit Check
Always consider the terms offered to you when applying for online loans no credit check. You need to be able to repay the loan comfortably. Check what terms will be most suitable to your financial situation. Most lenders on the Low Credit Finance platform offer repayment terms from 3 to 24 months.
How Did We Choose the Best Personal Loans No Credit Check Providers?
When hunting for the best personal loans no credit check providers, we looked for lenders and loan-finders that could offer the following:
- Flexible loan amounts and terms to choose from
- Simple-to-understand application processes free from industry jargon and confusing methods
- Reasonable interest rates
Using any of the abovementioned loan-finders will help you find the best possible no credit check loan options available on the market. That said, Low Credit Finances outshines the rest as our number one pick!
Can I Apply for No Credit Check Loans if I Earn $200 Per Week?
The minimum earning limit to apply for no credit check loans is $1000 per month. If you earn less than that, you could ask someone you trust to serve as a co-signatory on your loan. Alternatively, you can opt for a secured loan where you will need to offer collateral to the lender. Of course, not all lenders will allow a co-signer or collateral – it all depends on the lender.
I Am a Student and Get an Allowance – Can I Apply for Loans without a Credit Check?
Yes, you can apply for a loan if you generate $1000 or more per month and pass an affordability assessment.
What Does a No Credit Check Loan Cost?
A no credit check loan will cost you the loan amount plus interest, which can range from 5.99% to 35.99%.
Disclaimer: This is a paid advertisement. The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice, please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only. The owner of the loan website(s) may be paid commission by a third party if you make a request for a loan.