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Top No Credit Check Loan Companies: Get A Loan Quickly

Sometimes, you need a loan, and you need it fast. You may or may need one without a credit check, too. Fortunately, we’ve got the tea on the best no-credit-check loan companies across the web.

While some are more well-known than others, each has its reasons for making its way onto our list. Let’s dive into our top no credit check loan companies’ recommendations so you can get a loan quickly and easily.

When you have the inside scoop on these companies, you’ll be wondering why you haven’t used them sooner. A short-term loan is easy to acquire, even if you don’t have a stellar credit score. You can avoid the credit report inspection entirely when you use the right loan company.

Most banks and credit unions require you to undergo a credit check to get approved. Times are changing, though, and lenders realize that. Some credit lenders are willing to move away from that process. Unfortunately, most of the time higher interest rates can come with that higher-risk loan.

Before we dive into these loan companies, make sure you understand how the process goes. While none of these companies are scams or fraudulent, they may not be the most cost-effective.

After all, lenders have to pay for the risk of giving you a chance with no credit check. Expect your pay-back cost to be higher than they might be if you were checking with a good credit score.

In this guide, each company we list has been tested for legitimacy and safety, so you’re in good hands here. We put our trust in them to ensure your trust in them doesn’t have to waver. Without further ado, let’s dive into our list of the top no-credit-check loan companies.

The Top No Credit Check Loan Companies – Best for No Credit


One of the lesser-known lending networks, PersonalLoans deserves its chance in the spotlight. The platform aims to save the day every time for a quick and easy option with no credit.

Their interest fees are reasonable for what you’re requesting. Likewise, they make it easy to get approved for a decent range of loan money.


  • Works with low and no credit
  • Tap into a network of lenders ready to help
  • Easy and secure online form so you can get onto the things that matter
  • Application is short, easy, and fast
  • Free to apply for a loan – Best for Rapid Decisions


More than just one loan company, Rapid1K aims to bring a network of lenders straight to your fingertips. They offer a secure online form to make filling out your info fast and painless. Easy to use and easy to get approved, there’s a lot to love about the platform.

One of the biggest benefits of using Rapid1K is that some users see their funds as quickly as the next business day. While everyone’s situation is different, it gives you access to a network of lenders that want to help.

The loan limit is $2,500. For those that are seeking a larger sum, this may not be the go-to network. Regardless, it’s a great place to start for many others.


  • The form is short and easy to fill out
  • A loan approval decision is made fast
  • Money can be directly deposited by the next business day
  • Loan limit up to $2,500
  • Free to apply – Best for Poor Credit Scores


One of the more well-known lending companies, BadCreditLoans is an effective network. They provide access to lenders that offer loans between $500 and $5,000. The loan terms vary from 3 to 36 months, and the APR can vary from 5.99% to 35.99%.

Factors include whether you provide your credit score, the score itself, and the lender you connect with.

Fortunately, it takes just 3 steps to sign up. Put in a request for your loan. Review the lenders’ offers. Take a good look at each of the offers. Take some time to think it over. Then, sign a contract and receive your money after 24 hours.

The best part is you’re never under any obligation to sign a contract. Lenders are all vying for their spot with you, and you can say no any time before you sign. Make sure you review all the offers you receive and narrow it down to the best loan for your needs.


  • Loans up to $5,000
  • Easy 3-step application process
  • In the loan industry for over 20 years
  • Credit requirements are flexible
  • Money is sometimes available within 24 hours
  • One application connects you to a multitude of lenders – Best for Up to $10K in a Pinch


Now10k boasts that all you need for them in a few minutes and your bank info handy. They claim that a lending decision can happen within minutes of submitting your information with a fast response time. Then, money can be deposited into your bank account by the next business day.

The company offers an accelerated online lending process. This makes it one of the most convenient and fastest borrowers on the web. They work with advertisers and lenders across the nation to make it possible for customers to connect with multiple matches. Every customer deserves to have a list of options.

The best part is, you can get approved for loans up to $10,000. Everything is done online, from filling out info to receiving a decision. As far as personal loan funding goes, Now10k is a leader of the pack.


  • Fast response time
  • Quick and simple online form
  • Loans up to $10,000
  • The accelerated online lending process can allow for a decision in minutes
  • Get approved and watch money hit your account as fast as the next business day
  • Network of lenders across the nation makes it easy to connect with a match – Best for Fast Deposits


A company that offers all types of credit is Lendafy. They boast that you can get an approval decision in as little as 2 minutes.

The biggest downside we see is that they don’t offer services in AZ, CT, GA, MA, MD, NY, PA, VT, or WV. For those that do get approved, though, deposits can be made as soon as the next business day.

While they do a credit check, they accept those with low or no credit. Likely, you’ll still get an instant response.

Lendafy offers personal loans between $100 and $10,000, offering quite a range for users to choose from. Employment is required to get approved by the company, however. There’s also a minimum income required.

Overall, the platform is ideal for those with no or low credit who still need a personal loan. More of an app than a website, the company offers personal loans up to $10,000.


  • Loans up to $10,000
  • Approval decisions can be made within 2 minutes of submitting info
  • Next-day direct deposits after getting approved
  • Minimum loan amount of $100 for smaller borrowers – Best for Limited Credit History


If you have a limited credit history, Upstart might be your next go-to loan company. Quickly becoming a well-known name brand, Upstart has developed a reputation for providing fair, fast personal loans.

The APR varies from 6.76% to 35.99%. However, loan amounts range from $1,000 up to a whopping $50,000. Unlike some of the other loan companies, this lender’s repayment term is either 3 or 5 years.

Upstart factors in an individual’s job history, education, and area of study in addition to credit. They understand that there are different ways to prove a loan can be paid back. Funds are also provided quickly, sometimes as soon as the next business day after approval.

There are also no prepayment penalties, making it easier to pay the loan off faster.

Because the company uses other factors besides just credit, they’re a viable solution for those with a limited credit history. We recommend you check it out yourself before you make a final decision.


  • Loans from $1,000 up to $50,000
  • 3 or 5-year payment term, so it’s easier to payback
  • No specified minimum annual income
  • Receive money in as little as one business day
  • Minimum credit score preferred of 600

Questions & Answers:

Factors to Consider When Getting a Bad/No Credit Check Loan

There’s more than just one thing to keep in mind now that you’re shopping for a loan. Regardless of your credit score, there are some factors to consider before you sign a loan contract.

Ask yourself these questions when you start submitting info to various loan companies. Before you start filling out applications, make sure you have these questions answered for yourself.

What are the customer reviews and ratings like?

Maybe you’re interested in a specific loan company. Take the time to read what other customer’s experiences have been like. Just take each review with a grain of salt.

You’re sure to find countless disgruntled customers, after all — it’s a loan company. It’s just bound to happen.

Sort through all the reviews and get to the meat of what customers are saying, though. Is it a worthwhile company to stick with? Do you get enough value for what you have to pay back?

How many repayment methods are there?

Can you set up your loan payments to be on autopay and then forget about them? Do you have to mail in a check each month? These two repayment methods vary drastically. Just verify that your lender has a payment method that works for you.

Are there any penalties or fees for anything?

No one likes late fees. Even worse is finding out that a 5-year late fee is a percentage of how much you have due instead of a fixed-price amount.

Before you ever sign any contract, double-check what all penalties and fees are. Some lenders offer a grace period, some offer for fees to be waived for some situations. Stay informed about what your lender is offering you.

What are the actual terms of the loan?

You may have been pre-approved for a loan. Now, it’s time to go through every sentence of the terms with a fine-toothed comb. You don’t want to agree to anything wild, and it’s good to understand the full terms.

Do you meet all eligibility requirements, including a minimum monthly income, employment status, and more?

Finally, do you meet the requirements the loan company will have of you? Just as you’re willing to accept a loan company, you need to ensure a loan company will accept you.

The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. does not accept liability for any loss or damages caused by the use of any products, nor do we endorse any products posted in our Marketplace.

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