Do you need a quick loan, but you’re afraid to apply because of your bad credit score? Is your credit score the reason you want to find online lending platforms that don’t run a credit score check? Did you know that it’s possible to apply online for a loan and get it without anyone knowing your credit score?
This article contains the best platforms that provide no-credit-check loans in the quickest way possible by connecting you with the most suitable lender willing to help you and work with you. No matter which platform services you decide to use, you can easily borrow the needed amount of money.
No one, neither the platform which services you’re using nor the lender, will review your credit score. So, without further ado, let’s dive in and see what these online lending platforms offer.
Top 4 Lenders That Provide No Credit Check Loans Guaranteed Approval:
- Money Mutual – Overall Best Online No Credit Check Loan Lender, Editor’s Pick
- Bad Credit Loans – Guaranteed Installment Loans For Bad Credit Loans
- RadCred – Recommended Payday Loans For Bad Credit
- Cash USA – Trusted Loan Marketplace With Poor Credit Score
#1. Money Mutual – Overall Best Online No Credit Check Loan Lender, Editor’s Pick
The first online lending platform on this list is the famous Money Mutual, one of the best platforms with the fastest services, providing quick financial help to people for over a decade. Money Mutual will help you connect with the lender that suits you best, so you’ll save a lot of time compared to using the bank’s services.
On the Money Mutual, you can apply for a loan from $200 to $5,000 and quickly get the money. Also, this platform offers payday loans, installment loans, and no-fax loans. Money Mutual doesn’t care what you need the loan for. You can use the money for whatever you want, even if you need it for a vacation.
Features
How to apply?
- Requirements
To be able to use the Money Mutual services and apply for a loan, you must check if you’re meeting the requirements that this platform asks for. So, the first thing is to be of legal age, so you must be at least 18 years old or older. If you’re not, you can’t use these types of platform services.
Money Mutual offers its services all across the USA, with the exception of New York and Connecticut, so you must be a citizen of the US, or at least you must have a permanent residency. Another important thing is to have an active checking account because that’s where the money will be sent. The last thing that you must provide is proof of a regular income, which shouldn’t be less than $800 per month.
You must make sure you meet the following requirements. If you aren’t, then you can’t apply for a loan.
- Application form
If you meet the above requirements, you can start filling in the application form, which is straightforward and quick. It’ll take you no longer than 5 or 10 minutes. You’ll need to enter your personal and contact info, such as a valid phone number and an email. They’re necessary for the lender to be able to contact you. You’ll also need to enter the correct banking and employment info.
After you’ve finished, this application will be reviewed by the available lenders, and based on the provided information, the most suitable lender for you will contact you. You’ll receive the offer that you must carefully review and decide if the fees and everything else in it suit you. You don’t have to accept the offer if you think it doesn’t suit you quite well. But, if you do accept it, expect to receive the money in the next 24 hours.
- Fees and security
Money Mutual doesn’t charge any fees for using its services and also doesn’t have any hidden fees. The lender decides fees, and you can decide whether to accept them or not. Money Mutual’s job is to connect you with the most fitting lender, and from there on, all the communication is between the two of you.
The Money Mutual website is scanned by the TrustedSite every day. That’s how this platform avoids all the security risks that may appear. Also, Money Mutual uses 256-bit AES encryption, so all of your personal data is always highly secured and safe.
- Additional info
Money Mutual’s customer support is always quick to answer your questions and help you solve the problems you might encounter. Different ways of contacting them are making communication a lot easier. The website is rich with educational content, so you can inform yourself about different types of loans and learn which one suits you most.
⇒ Visit the Official Website of MoneyMutual
Pros
- Free services
- Quick loan approval
- Basic requirements
- Highly secured
Cons
- If you’re located in New York or Connecticut, you can’t use Money Mutual services
#2. Bad Credit Loans – Guaranteed Installment Loans For Bad Credit Loans
Bad Credit Loans is widely known for its spotless services and the wide range of available lenders on the market willing to work with you regardless of your credit score.
Even more, the name of this platform clearly states that it’s one of the best platforms that provide services to people with bad credit loans. This might not be important to you because you now know this platform doesn’t even check or pay attention to the applicants’ credit scores. The only thing that matters for you is to meet the eligibility criteria and fulfill the application form.
Using Bad Credit Loans services can help you get all kinds of loans, such as business loans, student loans, auto loans, home loans, and plenty others, ranging between $500 and $10,000. This platform isn’t a lender, but it’s a mediator, meaning that it will connect you with a lender willing and able to give you the needed loan.
Features
How to apply?
- Requirements
Before fulfilling the application, see if you’re meeting the requirements that this platform asks for. If not, you won’t be able to continue and apply for a loan. So, you must provide proof that you’re a US citizen, such as providing your social security number, for example.
You also must receive a regular income and have a checking account in your name. Having a valid contact telephone number and an email is important because the lender might want to reach out to you for some additional info. It goes without saying that you must be over 18 years old.
- Application form
You must make sure that you meet the following requirements. If you aren’t, then you can’t apply for a loan. If you’re meeting the above criteria, the next step is filling out the application form, which is the first thing you’ll see when you open the Bad Credit Loans website.
Applying for a loan is very easy. You must provide your personal information and why you’re applying for a loan. Providing your employment and banking info is a must.
Based on these details, you’ll be contacted by the most fitting lender for you. Remember that you’re not obligated to accept the offer if it doesn’t satisfy your needs. You can always simply reject it and start searching for a more suitable lender.
- Fees and security
No fees will appear if you decide to apply for a loan via this online lending platform. The application process is totally free from charges, so you have nothing to risk if you try and apply. The fees will apply later on when you receive the lenders’ offer. Bad Credit Loans don’t have anything to do with these fees.
This platform is highly secured, so you can enter your personal info without fearing that it might get stolen. Bad Credit Loans uses the latest computer safeguards, guaranteeing you high levels of security and privacy.
- Additional info
You can always count on the Bad Credit Loans customer support representatives, who are always ready to lend you a helping hand. So no matter your question or experience, call them or write them an email, and tell them everything you want. The platform even offers an online contact form, so you can use this communication method too. Your bank account is needed so they ensure their monthly payments are received as you repay the loan.
On the Bad Credit Loans, you’ll be able to find plenty of articles that can teach you a lot of valuable things. For example, you can inform yourself and learn about different scams that people fall for. These articles might teach you how to spot a scam and protect yourself.
⇒ Visit the Official Website of BadCreditLoans
Pros
- 100% free platform
- Quickly connects you with a suitable lender
- Highly secured
- Friendly customer support
- Lots of helpful articles
Cons
- Not accredited by the BBB, but provides excellent services
#3. RadCred – Recommended Payday Loans For Bad Credit
RadCred is another online lending platform that people love to turn to when they need to get a personal loan. So, if you’re in need of a quick loan without someone checking your credit score, RadCred is just the platform you’re looking for.
RadCred’ ways of functioning are pretty similar to the other online lending platforms mentioned in this article, with one big difference: the amount of the loan you can apply for. More precisely, RadCred allows you to request a loan from $1,000 to $35,000. So if you need to borrow a higher amount of money, this platform’s services are just the right ones for you.
Features
How to apply?
- Requirements
Before starting to fulfill the application form, see if you’re meeting the requirements that this platform asks for. If not, you won’t be able to continue and apply for a loan. So, it goes without saying that anyone under 18 years old can’t use these lending services and apply for a loan.
Because RadCred offers its services all across the USA, everyone who wants to apply must be a US citizen or at least have a permanent residency. You also must have a regular income, a checking account, and provide your social security number. If you have all of these things, you can start fulfilling the online application form.
- Application form
When you open the RadCred official website, the first thing you’ll see is the application form, which will take no more than 5 minutes to fulfill. Start by entering the reason why you need a loan. Enter your name and the loan amount you wish to borrow.
As we mentioned in the requirements, your email and phone number are important so the lender can be able to contact you. List your source of income and some additional employment info. In the end, enter your SSN and your banking account details. That’s it. Different lenders will review this request, and those willing to lend you the needed amount of money will send you their loan offer.
- Fees and security
RadCred doesn’t state the rates and the fees for the loan because they’re between you and your lender. As for the platform’s services, they’re free of charge. Everything else will be stated in the offer that you’ll receive, which you’re in no case obligated to accept if you think that it’s not the right one for you.
RadCred use the latest security measures so your personal details will never get stolen or misused by unauthorized individuals. The computer safeguards and secured files and building that this platform uses keeps everything under the strictest control.
- Additional info
RadCred customer support representatives, as marketed, are highly knowledgeable and always ready to answer all of your questions. Whether you decide to call them or write to them, you can expect their answer very quickly.
RadCred website is filled with many loan guides that’ll provide you with the needed knowledge regarding financial stuff. You can learn about all kinds of different types of loans, such as bad credit loans, fast cash loans, tax loans, payday loans, home improvement loans, debt consolidation, and emergency loans, so make sure that you check these articles.
⇒ Visit the Official Website of RadCred
Pros
- Quick application process
- No fees
- Up to $35,000 loans
- Educated customer support
Cons
- There are a bit more eligibility requirements, but they’re still the most basic ones
#4. Cash USA – Trusted Loan Marketplace With Poor Credit Score
CashUSA can proudly say that its extensive experience connecting borrowers with the available lenders has made it one of the most reliable online lending platforms. You don’t have to worry about the status of your credit score. This platform provides easy ways of getting the needed loan, so many people can apply and get the needed money. CashUSA loans range between $500 and $10,000.
What makes this platform even better is the possibility of making your loan repayment automatic. This means that the money will be automatically withdrawn from your account on the due date, so even if you forget about your payment, you’ll successfully avoid late fees.
Features
How to apply?
- Requirements
CashUSA has set the essential criteria, making its services available to almost anyone. The first thing you’ll need to do is look through the requirements that CashUSA has set. You must be at least 18 years old to use this platform’s services. You must be employed for a minimum of 3 months, and also, you must have a checking account under your name.
It’s crucial to be a USA citizen and have a functioning email and a phone number. You won’t be able to fulfill the application form if you don’t meet each of these requirements.
- Application form
The online application form from CashUSA is very similar to the other platform applications. All you need is a laptop, a stable Internet connection, and 5 minutes of your free time. Enter the amount of money you wish to lend, your banking and contact info, and you’re all set.
Expect to be contacted by the most fitting lender for you, and if you accept its offer, sign it with an e-signature. You’ll receive your loan the next business day, deposited directly in your banking account. If you decide that the offer doesn’t fit your needs, simply don’t accept it. You can start searching for a new lender by starting the whole process from the beginning.
- Fees and security
Like the previously mentioned online lending platforms, CashUSA also offers its services absolutely for free. Your request for a loan via CashUSA is free of charge. The APRs and the fees that will appear are between you and your lender, so you must carefully read the loan offer. You’re never obligated to accept the offer, so take your time and thoroughly review it.
Cash USA really does its best to provide the maximum levels of security while using its services. Thanks to the up-to-date security measures and the industry-standard encryption that this platform uses, your personal information will always be protected. In the privacy policy section on the Cash USA website, you can inform yourself about what info the platform collects and how that information is used.
- Additional info
By opening the CashUSA official website, you’ll get access to the Education Center. By clicking on that button, you’ll be able to enter countless articles that can upgrade your knowledge about finances and loans. You can search through different articles regarding credits, finances, tips to calculate your debt, online banking, traditional banking, etc.
If you encounter some problem or some questions pop up, you can always count on the CashUSA friendly and educated customer support representatives. To get in touch with them, you can use the online contact form available on the CashUSA website or simply send them an email or call them. They’d be happy to answer you anything.
⇒ Visit the Official Website of CashUSA
Pros
- Automatic payments
- High-security measures
- Useful blog
- Great customer service
Cons
- Don’t have the highest BBB rating, but people love this platform’s services
How We Made This List While Choosing For A No Credit Check Loan?
Our selection of the best platforms that give no credit check loans is based on the criteria that we consider to be essential. We’ll take a closer look at the requirements the platforms have set for a customer to meet and to be able to use their services.
Moreover, the application form that needs to be fulfilled and the fact that they don’t have any hidden fees were essentially considered. The security measures they provide and the existence of customer support were also implemented in our selection.
- Basic eligibility criteria
We looked through the criteria that each of the platforms we’re going to talk about asks for a customer to meet. The platforms ask for the basic, most essential requirements to be met, such as being of legal age, so everyone who’s at least 18 years old can use their services.
Another thing is the obligation to be a US citizen, or at least to have a permanent residency in order to be able to apply for a loan. Regular income and having an active checking account are a must. These all are the requirements these platforms ask for.
- Simple application form
We checked the simplicity of the online application forms that the online lending platforms provide. We ended up with four of them based on the little info they asked for and the quick time needed to fill out the application.
The online applications form on these platforms that you’ll need to fulfill are very simple. They’re similar to each other, and all you’ll need to enter is your personal and contact info so that the lender who decides to work with you and lend you the required money can easily get in touch with you. You’ll also need to enter some banking and employment info, and everything is so simple and easy that you’ll finish filling out the application form in no more than 10 minutes.
- No hidden fees
There are a lot of fraudulent platforms that charge fees that are hidden instead of transparently stated. So they may charge you for their services, or even some maintenance fees may apply.
The maintenance fees are small, but it’s not a good sign when a platform hides them.
The online lending platforms should be transparent and openly state the amount they’re going to charge you, so you can decide if you want to use their services or not. That’s why we paid a lot of attention and did thorough research to find the most trustworthy online lending platforms. The chosen platforms don’t check the status of your credit score and don’t apply any kind of fees for the use of their services.
- High-security levels
We know that when you’re applying for a loan and doing that online, you’re entering a lot of personal info, such as your phone number and your social security number (SSN). Because of that, the security that the platform provides must be of the highest level.
We checked these online lending platforms that provide loans without checking your credit score, and we selected only those who use the newest, up-to-date security measures.
As you’ll see in the continuation, no matter which platform’s services you decide to use, your info will always be protected by their encryption and computer safeguards. This means that by using their services, your data won’t get stolen or misused by someone unauthorized.
- Existence of customer support
We also wanted to select only online lending platforms that offer customer support. Many users, especially the newer ones who are trying these types of services for the first time, usually have different questions regarding the services or the application process. That’s when having customer support to turn to can be of great help.
The chosen platforms reviewed in this article have very friendly and highly educated customer support representatives that can lend you a helping hand whenever you need it. You can call them or message them, and they’ll reply to you very quickly. You can even reach out to them to give them your feedback and tell them what you think about their services.
Factors to Consider When Searching for the Best No Credit Check Loans Platforms
The following factors will ease the process of finding the best platforms you can use to get the needed loan without checking your credit score, so make sure to always pay attention to them.
- Platform’s reliability and reputation
You must check the reputation and the reliability of an online lending platform before applying for a loan. So always do a little research. See what the people who used its services think. Check the feedback the platform is receiving.
Take a little time and read the platform’s terms and conditions that you can easily find on its official website. These things will indicate if the platform can be trusted or not and make your choice a lot safer and easier.
- Fast services and fast funding
People who use online lending platform services are usually the people who immediately need money for something. No matter the reason, you always must check the funding time that a platform provides. The platforms mentioned above have rapid service.
Filling out the application form takes 5 to 10 minutes, and letting you know if you were approved is also very fast. Getting the money in your bank account is the best part because you’ll receive them in the next business day or in the next 24 hours after accepting the lenders’ offer. So, let that be the guideline when you’re searching and checking the speed of the service that an online lending platform you’re interested in provides.
- Check the platform’s fees
Usually, reliable and trustworthy platforms don’t charge anything for their services, just like the platforms reviewed in this article. But, always keep in mind that some platforms may charge a minor, insignificant maintenance fee, but that amount is very low; you probably won’t even notice it. These things are acceptable. If you don’t know your credit score, check it – along with your credit report – immediately to ensure you can apply for a personal loan.
You should be careful with the possibility of hidden fees a platform might have because there are many fraudulent lending platforms whose only goal is getting your money instead of helping you get what you really need.
- Check the lender’s fees
When you receive the offer for a loan from a lender, carefully read all the terms and conditions and the amount of the loan, and especially pay attention to the listed fees. The fees might be too high and unacceptable for you, so read everything before accepting and signing the offer. Also, a lender may offer you a lower amount than what you need. So it’s vital to get informed about every detail.
If you notice that something doesn’t fit you, you’re never obligated to accept the loan. You can easily reject it without signing it. In that case, you’ll probably need to start the whole process again from the beginning and search for a new lender that’ll be more suitable for you.
You can also change the platform and try to apply from another one.
- Experience of the users
You can check the experiences that the users had by reading their reviews about using the services of a particular online lending platform. Their thoughts and satisfaction will give you a better understanding of the services that the online lending platform provides and a clearer picture of what you should expect.
Under no circumstances use the services of a platform with a low rating and dissatisfied users. That should be a red flag and an indicator to keep looking for another platform. You can find the users’ thoughts and reviews on the official websites of the platform in which you’re interested or on different forums on the Internet.
Advantages of Online Lending Platforms
Deciding to use the services that online lending platforms provide can bring you a lot of advantages, so let’s take a quick look at what those advantages can be.
- Online loans are very fast; so, they can be a lifesaver in financial emergencies
- The process of getting an online loan is faster and easier than going to the bank
- Using an online lending platform for your needs saves a lot of time
- You can quickly and easily apply for a loan from the comfort of your home
- You don’t have to worry about your credit score when you use the services of platforms that provide no credit check loans
- The application process is easy, and the approval time is quick
- Depositing the loan in your account is done within 24 hours or one business day after you accept the offer
- You can use the received loan for absolutely anything you want, whether it’s for an emergency or a vacation
- You’re not obligated to accept the offer you’ll receive; so if it doesn’t suit you right, you can reject it and start the process all over again
FAQs On Loans With No Credit Check
Q1. Why should I use online lending platforms?
First of all, the online lending platforms’ services are very fast, especially compared to the banks. For example, you can get approved for a loan on the same day you’ve applied or even quicker if you fulfill all of the platform’s criteria.
Secondly, you can apply and connect with the most suitable lender without leaving your home. Everything is just a click away from you.
Thirdly, and very importantly, is that after you accept the lender’s offer, you’ll get the loan in your account incredibly fast, which can be in the next 24 hours, or the next business day.
Another important thing is the insignificance of your credit score. Whether it’s good or bad, the lending platforms in this article provide no credit score check, so you have nothing to worry about.
Q2. What requirements do the online lending platforms ask for?
Most of the online lending platforms, including those mentioned above, ask for the most basic requirements, which are:
- To be of legal age, 18 or over 18 years old
- To be a USA citizen or to have a permanent residence
- To have a valid banking account
- To have a regular income
Q3. How long will it take to get approved for a loan?
You might get approved for a loan very quickly, even in a few minutes since you’ve applied, and that’s a lot faster than the banks and how time-consuming their service can be.
It all depends on you meeting all of the platform’s requirements. If you do, nothing is stopping you from getting what you want. And not only you’ll get quickly approved, but also finding the most fitting lender for you will be fast.
These platforms have a vast network of lenders; that’s why everything goes so smoothly. You’ll get the money in the next business day or in the next 24 hours, so really, the whole process is very fast, which is why these platforms’ online lending services are so widely used.
Q4. Can I apply for a loan if I have a low credit score?
Of course, you can; that’s the beauty of these platforms’ services. All of the online lending platforms mentioned above offer their services to anyone, especially to those with not-so-good credit scores. Not only that you can apply for a loan even though your credit score is bad, but these platforms also don’t check your credit score. A poor credit score should not force you to seek out loans from loan sharks that will bury you in debt.
So, yes, you can very easily apply if you have a low and bad credit score. The only thing you should pay attention to is the requirements that a brand asks for, which have nothing to do with your credit score. Their requirements usually include having at least 18 years, having a banking account, and being a US citizen.
Q5. What can I do if I get denied an online loan?
Even though it rarely happens, it’s still possible to get denied a loan. What you can do in this case is to focus on the reasons why you’ve gotten denied. That’ll be the perfect opportunity to improve those things before applying again. If you have a chance to speak with the lender, use that opportunity and try to learn as much as you can. Because you’ve turned to these services, you probably quickly need the money, but if that’s not the case, you can always try to increase your income. That’ll be beneficial for you on many different levels.
If nothing else works, you can always try and apply again, but apply for a smaller amount this time. Also, you can apply on a different platform. That’s why this article contains more than just one online lending platform, so you have plenty of choices if things don’t go as you’ve expected.
Q6. How much time will it take until I get approved and receive the loan?
Not much. In fact, compared to the banks and their services, getting approved for a loan online is a rapid process. Considering that these online lending platforms don’t even run a check on your credit score, the process is even faster. Just make sure to put every little detail in the application.
Money Mutual, Bad Credit Loans, Cash USA, and Personal Loans are all pretty quick to notify you if you’re approved for a loan because their whole purpose is to provide you with the needed money fast. They’ll connect you with the most suitable lender for you, whose offer, if you accept, will get you the money in no more than 24 hours. Pretty quick, right?
Q7. Is there a way to increase my chances of getting a loan?
Yes, there are a couple of things that you can do in order to heighten your chances of getting a loan. The first thing is to get prepared. And what this means is to have all of the necessary documents next to you in case an interested lender calls you to get some additional info.
Having everything next to you and providing your lender with quick answers will leave a positive impression and show that you are a serious and responsible person. As you repay your personal loan or line of credit, your payment activity is reported to major credit bureaus.
Another important thing you can do to increase your chances of getting a loan is to be careful and avoid applying on more than one platform at the same time. You can’t hide anything on the Internet, so the chances of lenders noticing that are very high, making your chances of getting a loan very low.
Conclusion: Which Is The Best Company For No Credit Check Loans?
Thanks to the best-selected online lending platforms, getting a loan without someone checking your credit score it’s now possible and more accessible than ever. They all work in similar ways, so it’s best to make your choice based on the amount of the loan you need.
All of the platforms are highly reliable, protecting your info using the latest security measures, so there’s no way that you can be scammed by deciding to use their service. Nothing is standing between you and the needed loan, so just choose one platform, send your online application, and quickly get the money you need, regardless of your credit score.
