No Credit Check Loans

Get approved even with poor credit.
No hard credit check.
Fast and safe way to get the cash.

No worries about bad credit score with us!

You must read and agree to TermsPrivacy PolicyRates and Fees before submitting a loan request.

No Credit Check Loans Online

It can be discouraging being turned down for a loan because you have no or bad credit score. It is even more discouraging when you realize that the credit checks carried out by lenders before they reject you are negatively affecting your credit score over time.

What if there was a way you could borrow a loan without hurting your credit history? That is what loans with no hard check allow you to do!

What are Loans with No Credit Check?

No credit check loans are small online loans provided by financial institutions to borrowers without checking their credit history via major credit bureaus. These are short term loans that you pay back by your next payday. They usually range from $50$1,000. The maximum loan amount you can borrow will be determined by the regulatory cap in your state and the amount. Lenders are still checking borrower’s financial backgrounds via alternative ways and databases. Such a process is called a “soft pull” and doesn’t affect peoples’ credit scores, leaving no marks in the credit reports. OnlineLoansYouNeed collaborates with reliable lending institutions who perform alternative credit inquires only.

Hard Credit Checks

A hard pull, is how traditional financial institutions analyze you when approving for a loan, credit card or any other financial product. Such requests will be seen in your credit report. Numerous hard credit inquiries may lower your score and may be a sign that you have serious financial difficulties.

No Credit Check

Some unregulated and suspicious payday loan companies may advertise that they provide funding without any credit inquiries. It’s highly recommended to avoid such companies because it’s a true sign of a financial scam! You may report such illegal activity using our contact form. Your request will be promptly forwarded to the authorities.

Who Should Apply for Loan with No Credit Check?

If you have a bad credit history, your chances of being approved for traditional bank loans are low, comparing to people with good credit rating. If you keep applying, you can repeatedly damage your credit score. This makes your credit history even worse over time.

For people in such situations, and for those who have an unexpected financial need for money, it makes much more sense to get no credit check loans. The chances of approval with our private direct lenders are much higher. Also, they don’t perform a hard credit check through the three major credit bureaus; as a result, applying for one will not be seen on your credit report.

Here at OnlineLoansYouNeed, licensed lenders use soft pulls just to verify your identity, while also looking at income and bank account details.

This allows them to approve people who might be rejected for a bank loan or a credit card while protecting those customers’ credit scores. This makes it possible for people who apply for cash loans through our site to qualify for better interest rates and reduce the negative impact of their bad credit score.

Easy Application Process

Approved Today

Don't Affect Credit History

Fast Funding

No Credit Check Loans Requirements

There are a few basic requirements for customers applying for same day payday loans and personal loans. They help our lenders to run an alternative screening of applicants. The main eligibility criteria for no traditional check loan is the borrowers’ ability to repay the money.

To apply for a loan on our website, you must:

  • Be 18 or older;
  • Be a US citizen or a permanent resident;
  • Have an active bank account;
  • Have an active phone number and e-mail address;
  • Provide documentation to prove your stable income.

Meeting these basic requirements will not guarantee loan approval. Lenders may ask for extra documents before making a final decision. Correct personal information details will highly increase your approval chances.

Online Loans No Credit Check Loan Application Process

1. Submit a request. Fill out the loan application form – it’s easy and will take you only a few minutes!

2. Details are sent to the direct lenders. They will run a quick soft pull that will not affect your FICO score.

3. Get a decision. If you are eligible, you will receive an offer including the loan amount and other details.

4. Review the offer and sign. Read the terms and conditions, interest rate, fees, and penalties of the loan; and e-sign the agreement.

5. Get the funds. The money will be transferred to the provided bank account on the next business day. Repay the offered payday or installment loans on the due date.

Why Choose OnlineLoansYouNeed for Your No Credit Check Loan Needs?

The licensed lenders from our nationwide network do not run hard credit checks. The payday loan lenders consider your income, not just your credit score, doing their best to help you. They always see your personality behind the numbers. All the provided loans are unsecured, and collateral is not required.

OnlineLoansYouNeed has made it its mission to provide customers with a viable route to fast, reliable short-term loans online. By offering our customers access to a network of trusted payday lenders, we are doing our part to protect consumers from predatory schemes. We have helped thousands of clients, and we can help you too, no matter if you have bad or good credit!


You may borrow a short-term payday loan (cash advance) or installment loans when you need funds quickly to cover an emergency, and you have a less than perfect score. They are often used for vehicle repairs, medical bills, and other emergency expenses. Personal loans are used to consolidate existing credit cards debts and for other large purchases.

Yes, we work with a network of licensed lenders who do not practice predatory behaviors on consumers with bad score. Your personal information is 100% safe and secure with us!

Your interest rate will depend on the state that you reside in and your specific details like employment, and requested amount. Please review the Rates and Fees. Payday loans come with high interest rates, so they are more expensive than personal loans.

The day that you receive your money will depend on when you submit your loan application. If you submit your application on a business day, funds will generally be available the next business day. Applications received from Friday evening to Sunday are funded the following Monday.

No Credit Check Loans

Get a No Credit Check Loan Today!

You must read and agree to TermsPrivacy PolicyRates and Fees before submitting a loan request.

Customer Notice

All payday loans are subject to state regulations, approval by the lender, and eligibility. The APR for a cash advance loan is contingent on a variety of factors including location, lender, the amount borrowed, fees, and terms. A single short-term cash advance term ranges from two to four weeks, and must not be used as a long-term financial solution. Accounts which are not paid in full or on time may be sent to collections. This may have a negative effect on credit score and overall financial status. Loan rollover leads to extra fees and charges. Consumers with delinquent accounts or insufficient funds may incur other fines and penalties as well. Customers with credit difficulties should seek consumer credit counseling.

©2020. OnlineLoansYouNeed. All Rights Reserved.

OnlineLoansYouNeed is not a lender and therefore is not part of any decision making associated with lending or offering loans.We are an online service that connects borrowers and lenders. We do not charge any fees for this service. The user has the right to review the terms and condition before accepting any loan product or service offered. OnlineLoansYouNeed does not endorse any particular lender. We don’t store or access information about fees and charges associated with any loan offers. Not all states allow short-term loans, so the potential borrower needs to check that information. OnlineLoansYouNeed cannot guarantee that a user of our website will be approved for any loan product, nor can we ensure that you will be connected with a lender, or if they will provide you with a loan as per your online form request. Loan products can vary in their terms and conditions and can depend on numerous factors. These may include but not be limited to your state of residence and your credit standing as well as the terms applied by individual lenders.