7 Guaranteed Loans With No Credit Check (2023)

Guaranteed Loans With No Credit Check

In finance, as in life, there are no guarantees (except perhaps for death and taxes). However, the following loan services come pretty close, as they offer near-guaranteed loans with no credit check.

Instead, you must meet their income requirements, have a bank account, and satisfy a few other conditions. Let’s take a look at the best loan options that don’t require a credit check:

No Credit Check | Other Lenders | FAQs

Guaranteed Income-Based Loans With No Credit Check

The following two lending services can connect you to a lender without performing a hard credit inquiry. You must meet the requisite income and satisfy the requirements for age (18 or older), U.S. citizenship or residency, and have a valid email address and bank account.

  • Short-term loans up to $5,000
  • Online marketplace of lenders
  • Funds available in as few as 24 hours
  • Simple online form takes less than 5 minutes
  • Trusted by more than 2 million customers
  • Not available in NY or CT
  • Click here for official site, terms, and details.


Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
Up to $5,000 Varies Varies

See representative example

MoneyMutual operates with a network of loan providers willing to compete for your business. You can be linked to a direct lender that provides access to installment loans and cash advances of up to $5,000.

If approved, you can receive your money in as little as 24 hours. Your lender will explain the interest rate and repayment term before you accept the loan. MoneyMutual is not available in New York and Connecticut.

The CashAdvance.com network can get you a short-term cash advance of $100 to $1,000 without checking your credit. It’s been providing lender-matching services since 1997.

Lenders determine the loan terms, which you should read and understand before borrowing. The lender will deposit your cash 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 lending services offer different types of loans, some of which may require a hard credit check while others perform only a soft inquiry that will not affect your credit score.

You must be a U.S. citizen or resident, age 18 or older, and have a valid checking account, phone number, and email address.

24/7 Lending Group says right on its website that, “During the process of evaluating your request, most Loan Providers will need to perform a hard credit inquiry. Those Loan Providers will ask for your permission prior to doing so.”

But the network partners with direct lenders that accept all credit scores and incomes, and there’s never an obligation to accept a loan offer. Filling out its loan request form is free, and in just minutes you can compare the rates and terms of competing loan offers.

CashUSA.com can link you to direct lenders from which you can borrow up to $10,000. Loan approval and funding are quick — you can access your loan proceeds as soon as the next business day.

CashUSA.com is a free service, but loan terms and interest rates vary by lender. Typically, loan payback periods range from three to 72 months. You must have a steady monthly income of $1,000 or more to qualify.

CreditLoan can match you to a lender that provides loans from $250 up to $5,000, no matter what type of credit you have. The company has been arranging loans since 1998 and has helped more than 750,000 borrowers.

It has a useful website featuring a personal loan calculator to estimate monthly payments. If you qualify for a cash loan, your lender will set the loan APR and terms.

Bad Credit Loans has been finding lenders for bad-credit borrowers since 1998. It provides the option for no credit check loans and specializes in loans to folks with poor or thin credit.

Typical loan amounts range from $500 to $10,000 with repayment terms of three to 60 months. If approved, your lender will set the loan terms. You can apply for various loan types, including an installment loan, payday loan, secured loan, and other loan types.

PersonalLoans.com may be able to arrange no credit check loans starting at $500. Typical loan durations range from three to 72 months.

This lending service operates in all 50 states. Lenders on the PersonalLoans.com network can quickly decide and fund your loan offer, providing you with cash as soon as the next business day. Loan types include personal, bank, and peer-to-peer loans.

Can I Get a Loan with No Credit Check?

There are two types of credit checks:

Soft inquiry: This is a credit check that you initiate or does not involve new credit. 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 may temporarily reduce your credit score by a few points, but the impact disappears within one year.

The impact can be greater if multiple hard inquiries occur within a short period. However, multiple inquiries that indicate rate shopping for a mortgage or auto loan will usually not affect your credit score as long as you complete your rate shopping within a two-week period.

Hard vs Soft Credit Inquiries

All six of the loan services in this review may be able to provide you with a loan without performing a hard inquiry. Inquiries are directed to one or more of the three major credit bureaus — Experian, TransUnion, and Equifax.

All three use the FICO scoring system in which credit inquiries account for 10% of your credit score. Hard inquiries remain on your credit report for two years but impact your credit score for only one year.

When you request a no credit check loan, you are signaling 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.

Naturally, you’d prefer not to depend 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, this type of loan is usually more expensive. It may have a higher APR, a smaller loan amount, or more restrictive repayment terms.

What’s the Best Online Loan Company For Bad Credit?

If you want a short-term cash advance, MoneyMutual is our top-rated company. Its lending network can provide you with a cash advance of up to $5,000. Depending on the terms of the loan, you may have up to three months to repay.

  • Short-term loans up to $5,000
  • Online marketplace of lenders
  • Funds available in as few as 24 hours
  • Simple online form takes less than 5 minutes
  • Trusted by more than 2 million customers
  • Not available in NY or CT
  • Click here for official site, terms, and details.


Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
Up to $5,000 Varies Varies

See representative example

This lending service is happy to work with consumers who need a bad credit loan. If you don’t qualify for a no credit check loan, it may find you another type of emergency loan to meet your needs.

For longer-term loans, the top score goes to CashUSA.com, where you can get an installment loan of up to $10,000. You can get a loan with terms ranging from three to 72 months, and you only need to earn as little as $1,000 a month to qualify.

We have 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 automobile refinance loan and cash out the equity in your vehicle.

Our top auto loan provider is Auto Credit Express. Its network specializes in bad-credit loans, even if you’ve experienced repossessions or bankruptcies. You need to earn $1,500 a month to qualify for one of its loans.

If you are a homeowner, you might try a cash-out home refinancing loan or home equity line of credit. Our top choice is eMortgage for home loans.

When you refinance your home, you must first calculate your equity, which is your home’s current value minus the current balance on your mortgage. Lenders may be willing to lend you up to 80% of your equity, though some may go higher.

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 own a credit card that offers cash advances. You can perform a cash advance online or through a mobile app, in which 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 that work when you applied for the credit card. Be aware, however, that the APR on a credit card cash advance may be higher than your regular purchase APR.

Example of Credit Card Terms and Conditions

The APR and any additional fees you’ll be charged for a credit card cash advance are laid out in your card’s terms and conditions.

Equally easy are loans from a home equity line of credit (HELOC). Like credit cards, these are revolving credit lines from which you can repeatedly borrow, repay, and reborrow. They are similarly convenient because all you have to do is write a check or perform an online transfer — no need for a new loan application.

If you must fill out an application form, the online lending services reviewed here are super convenient because just one loan request can generate a loan offer from one or more lenders. They all follow a similar procedure.

First, you fill out a short loan request form that does not generate a hard credit check. The loan service circulates your request to its lender network, which can generate one or more loan offers. You can then complete the application process quickly and receive your loan the next business day after the loan is approved.

How Can I Get Money Without a Credit Check?

If you are absolutely adverse to having your credit pulled, you still have a few options for obtaining bad credit personal loans, some of which include secured loans:

  • Payday Loan – We’ve already discussed this, but in addition to using an online lending platform such MoneyMutual or CashAdvance.com, you can visit a local payday center and receive a quick cash loan in minutes if you meet the lender’s income requirements.
  • Auto Title Loan – This requires you to own a car and have the title in your name. You can use the title as collateral to secure a loan, but this loan type is especially risky. If you fail to repay, you lose your vehicle.
  • Pawnshop Loan – If you own valuable property that you don’t want to sell, such as electronics or jewelery, you can use it as collateral to secure a loan from a pawnbroker. The problem with this loan, however, is that you’ll usually receive far less for the item than what it’s worth. But you’ll get the item back as soon as you repay the loan.
  • Friends or Family Loan – You may have already considered this, but if you have someone you trust (and who trusts you), you may be able to borrow a few dollars to hold you over, and these unsecured loans usually come interest free.
  • Cash Advance Apps – A fairly new entrant to the loan space, cash advance apps allow you to get an advance on your next paycheck right from your phone, with no credit check and sometimes with no interest. The requirements vary by service, but you usually need to connect your bank account to the app so it can automatically withdraw the funds when you get paid.

As you can see, you have options for getting an emergency loan, regardless of your bad credit score. These personal loan options are easy to obtain, particularly if you have collateral to secure a loan or a job to prove you have the income to repay the debt.

Find a Lender that Reports Your Payments

Guaranteed loans with no credit check do exist. But the “guarantee” is really an assurance that the lender will do everything possible to get you a loan, notwithstanding your low credit score.

Of the six lenders reviewed in this article, two are good prospects for a short-term cash advance with no hard credit check. The other four provide longer-term loans that may be available with or without a credit check, but guaranteed loan approval is not a promise.

If you get a no credit check loan, its best to find a lender that will report your repayments to at least one major credit bureau. This can help you rebuild your credit score so you no longer need no credit check loans in the future.

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