What can we say, life happens, you’re trapped with a bad credit score or a short credit history and regular creditors don’t even want to look your way.
You may be down, but you’re not out.
With our best cash advance recommendations, you can find reputable creditors who can believe in you even with a subpar credit score.
This review weighs the top no credit check loans today to give you a pleasant borrower experience and sensible repayment terms.
Overall, we believe that MoneyMutual is one of the top payday lender services out there. It has served over 2M+ customers and has a great reputation for getting your loan to you fast.
Ride along to check out some of the top bad credit loans!
Best No Credit Check Loans Online:
- MoneyMutual: Best overall no credit check loans
- CashUSA: Great no credit check emergency loans
- BadCreditLoans: Wide variety of no credit check loans
- Funds Joy Loans: Top short-term loans alternative
- PersonalLoans.com: Offers personal loan education tools
- AmOne: Great poor credit targeted loans
- LendingTree: Very transparent bad credit loan company
- Credible: Unmatched best interest rate guarantee
- Avant: Top direct lender no credit check loans
- Citrus Loans: Leading short-term loans
1. MoneyMutual - Best No Credit Check Loans Overall
MoneyMutual Pros
- 2M+ customers
- Plenty of direct lenders
- Insightful bad loans guide
- From $100
- Offers payday loans
- Low minimum credit score requirements
MoneyMutual Cons
- One offer a time
MoneyMutual builds its forte on maybe the biggest lender partnerships and top payday loans service out there - hence you have better prospects of landing a satisfactory lender.
Each time you click on the website, you’ll be shown the number of lenders online, and it’s not unusual to find as many as 100+ lenders online at one time.
MoneyMutual Loan Details: 4.5/5
- Loan amount - $100 - $5,000
- APR - N/A
- Terms - N/A
- Delivery time - N/A
MoneyMutual provides loans from just $100 to $5,000, which is great for people that want shorter-term loans.
Well, the service might not give you offers from multiple lenders at a go. However, if you’re good for a loan you’ll be redirected to the lender’s website and find all the detailed and more specific information about their offer.
MoneyMutual Features: 4.6/5
On the side, MoneyMutual also seeks to educate you on bad loans. With a wide bad loan guide, you can make more informative no-credit-check loan decisions.
It can also give you more peace of mind knowing that the lender service is certified secure by TrustedSite to stave off identity thieves.
MoneyMutual Customer Experience: 4.5/5
Since its birth, MoneyMutual has catered to over 2 million customers, and they have tons of assuring customer reviews to justify their reputation.
Most reviews laud the quick process the site affords them, with a good chunk also singling out the easy user experience.
2. CashUSA - Emergency Loans for Bad Credit
CashUSA Pros
- Loans for any reason
- Secure process
- Considerate online lenders
- Nice education centre
- Easy, fast process
CashUSA Cons
- $10,000 max loan
CashUSA has all the earmarks of a top no-credit-check lender; experience, wide lender network, easy and fast application, complimentary financial services, and more.
That’s not even it.
The lender network gives loans for a variety of reasons…as long as it’s legal of course.
So, whether you need cash for debt consolidation, vacation, emergency, car repair, or house remodelling perhaps, CashUSA has bad credit loan lenders that can hear you out.
CashUSA Loan Details: 5/5
- Loan amount - $500 - $10,000
- APR - 5.99% - 35.99%
- Terms - 90 days - 72 months
- Delivery time - Next business day
Not many lenders give loans below $1000, but CashUSA does. Even more, the company’s loan terms are varied, providing you with enough wiggle room to find a loan that’s easier on you.
Also, the lenders here deliver the funds to your bank account in just 1 business, and this is helpful if you’re faced with an urgency.
CashUSA Features: 4.9/5
In the digital age, many people are wary of their privacy. And, it’s great that CashUSA seeks to offset your worries with its industry-standard security encryption to secure your sensitive information.
What’s more, CashUSA might also suggest credit repair, credit monitoring, and debt relief offers for you to think about.
Additionally, the site also has a comprehensive education centre section to help you navigate personal loans and also improve your financial health.
CashUSA Customer Experience: 4.9/5
CashUSA touts itself as one of America’s most trusted financial services, and they appear to be justified.
We found plenty of glowing reviews on the service, more so on their easy and fast process.
You can fill in a CashUSA no credit check loan request in about three minutes, and before you know it, a loan decision will come through.
3. BadCreditLoans - Quick Loans for Bad Credit
BadCreditLoans Pros
- 24/7 availability
- Additional credit solutions
- Gives a variety of loans
- Extended lender network
- Small minimum credit score requirement
BadCreditLoans Cons
- Gives lender estimates
Bad Credit Loans looks to give you no credit check loans tweaked to your specific need.
The loan service gives extensive loans, e.g. personal loans, credit card loans, mortgage loans, home loans, and student loans, hence you can find a more personalized loan.
Biggest of all, Bad Credit Loans has an extended lender community. Even if you don’t score a loan with its main lender network, they can submit your application to its third-party lenders for consideration.
BadCreditLoans Loan Details: 4.9/5
- Loan amount - $500 - $10,000
- APR - 5.99% - 35.99%
- Terms - 90 days - 72 months
- Delivery time - 1 business day
Bad Credit Lender is a lender marketplace, and with this the loan detail figures it gives are estimates.
Good thing, that if you’re on the clear for a loan, you get to receive several loan offers with the exact loan details for you to assess the best terms for yourself.
BadCreditLoans Features: 4.8/5
On top of everything, Bad Credit Lender could also offer you credit solutions services. You don’t have to take them, but they can help you transform your credit solution.
Again, the no credit check lender also has a comprehensive scam education section that might help you avoid dodgy credit services.
BadCreditLoans Customer Experience: 4.8/5
Your loan application process here is summarized in three steps
- Filling the online form
- Comparing creditor loan deals
- Choosing the best one
That’s all. Besides, the whole application process takes nothing more than a few minutes.
Moreover, Bad Credit Lender works 24/7, hence you can access the service or reach out to them anytime.
4. Funds Joy Loans - Top Personal Loans Online
Pros
- Esteemed lenders
- Loans from $200
- Good loan industry information
- Great data security measures
Cons
- Doesn’t specify loan details
Connected with a group of esteemed lenders, Funds Joy Loans aims to provide you with a chance to save that financial situation in the short term.
Funds Joy Loan Details: 4.5/5
- Loan amount - $200 - $5,000
- APR - N/A
- Terms - N/A
- Delivery time - N/A
Funds Joy Loans is another creditor network that could give you small loans. Moreover, it pips many smaller lenders by giving loans of up to $5,000.
Yes, Funds Joy Loans isn’t an exclusive moneylender, so it doesn’t get deep into lender loan details. Still, if you manage to get considered for a loan, you’ll receive accurate lender loan offers to weigh up.
Funds Joy Features: 4.6/5
We find the loan company pretty thoughtful in that they have detailed and current loan industry information. With this loan information, you can easily anticipate what to expect from your lenders and the rules to play by.
What’s more, the service is focused on responsible lending. The loan platform claims that its lenders offer non-exploitative terms, and from what we’ve seen, its rates are greatly decent.
Funds Joy Customer Experience: 4.6/5
The idea behind Funds Joy Loans was to make it fast and convenient, and they live up to it on any device you might be using to access the website.
To add, the company also has a notable customer support team, and from the user reviews, we gather they’re always glad to answer customer questions.
5. PersonalLoans.com - Personal Loans for Bad Credit
PersonalLoans.com Pros
- Offers different loan types
- Amazing loan guides
- Both long, short term loans
- Smooth web interface
PersonalLoans.com Cons
- Funds might take a few days
PersonalLoans.com wants to give you a convenient pathway to find potential personal loan providers.
The company generally gives personal loans, which suggests you can take a loan for almost any personal reason.
Furthermore, other creditors on the platform give peer-to-peer loans and bank personal loans, to give you more options to choose from.
PersonalLoans.com Loan Details: 4.7/5
- Loan amount - $1,000 - $35,000
- APR - 5.99% - 35.99%
- Terms - 90 days - 72 months
- Delivery time - Next business day - 5 business days
Providing a broad range of loans from $1,000 to $35,000, PersonalLoans.com most probably provides the unsecured personal loan amount you need.
But that’s not it, the loan terms here are also wide too, hence you might find a potential moneylender with good terms for you.
While a few lenders might take a few days to deliver your funds on a successful application, most will send the loan funds into your bank account the next day.
PersonalLoans.com Features: 4.8/5
Other than helping you lock down loans, the company also has some informative loan guides. The guides have expert-written articles that might help you make thoughtful loan choices.
PersonalLoans.com Customer Experience: 4.7/5
Not everyone has consistent access to a computer, so it’d be amazing to know that PersonalLoans.com works amazingly on the phone as well.
To sum it up, the customer service here is also top-notch in speed and friendliness. In case of any problem, they’re happy to help!
6. AmOne - Short Term Loans for Bad credit
AmOne Pros
- Since 1999
- Quick support
- All credit types
AmOne Cons
- Rates, terms info limited to lender
- Overwhelming lender communication
AmOne works on personalized loan matching; in that, it matches people to lenders regarding their credit type. Thus, you can still find a personalized loan no matter your credit score or credit history.
Again, the company has worked with customers and highly rated lenders since 1999, hence they’re pretty versed in the loan industry.
AmOne Loan Details: 3.8/5
- Loan amount - $1,000 - $50,000
- APR - N/A
- Terms - N/A
- Delivery time - Within 24 hours after approval
AmOne doesn’t delve much into lender loan information. But, you can view detailed loan repayment terms if you attract offers.
AmOne Features: 3.7/5
That the platform has matching specialists is a good thing for people that want some help choosing a loan offer.
AmOne Customer Experience: 3.9/5
In summary, AmOne has quick customer service as well when you need help. Even better, you can also apply for a loan through their live phone support if you wish for a guided application.
7. LendingTree - Very Transparent No Credit Check Loans
LendingTree Pros
- BBB accredited
- Comprehensive lender information
- Free identity monitoring
- Good for lender comparisons
LendingTree Cons
- Sign-up for extra benefits
May The Best Loan Win is the playbook that LendingTree revolves on. And, sticking to its playbook, the lender company is straightforward with all the lender information you might need.
Equally important, LendingTree is accredited by the BBB, so you can be sure they’re legit.
LendingTree Loan Details: 4.5/5
- Loan amount - $1,000 - $50,000
- APR - 2.49% - 35.99%
- Terms - 24 months - 144 months
- Delivery time - Averagely 1 business day
Moreover, on top of the fact that almost anyone can find their desired loan amount on LendingTree, the lender has the lowest starting APR here.
Also, the company’s loan terms range from short to really long term, thus you can find pleasant terms for the amount you desire.
LendingTree Features: 4.5/5
One of the best things about LendingTree is the tailored no credit check loans. You can get;
- Home loans
- Personal loans
- Business loans
- Student loans
- Auto loans
With the loan variety, you can get more personalized repayment terms depending on your loan reason.
If you’re cleared for a loan, LendingTree could give you as many as five loan offers at once. Better yet, you can compare the offers side by side to pick a suitable one.
In addition, there are extra perks like a free credit score and free identity monitoring, and you can get them by signing up for a LendingTree account.
LendingTree Customer Experience: 4.3/5
Above all, LendingTree closes off with a 4.6/5 Trustpilot standing to show just how good they are with their customers and whole service.
8. Credible - Good Interest Rates
Credible Pros
- 4.7/5 Trustpilot score
- Best interest rate guarantee
- Market-leading lender network
- Over 2.2 users
Credible Cons
- Funds might take a few days
Carrying lenders like LendingPoint, SoFi, DISCOVER, Avant, and more, Credible fronts some of the most popular lenders today.
Furthermore, Credible lets you see your pre-qualified loan interest rates from the start, and it’s all free.
Credible Loan Details: 4.3/5
- Loan amount - $600 - $100,000
- APR - 3.99% - 35.99%
- Terms - 1-7 years
- Delivery time - Same day - 5 business days
Standing with the biggest range of loan amounts from $600 - $100,000, Credible possibly works for any person.
Moreover, the company has arguably the best average loan interest rates we’ve seen, and they guarantee that.
Credible Features: 4.2/5
Did we mention an interest rate guarantee? Yes.
Credible is so confident in its rates that they give you a $200 best rate guarantee if you finalize a better deal elsewhere.
While a few lenders may take a few days to send your funds, there are a good number of lenders who deliver your loan into your bank account on the same day.
Credible Customer Experience: 4.1/5
With an intuitive website, anyone really would be able to use Credible on either desktop or mobile.
Overall, the company also has an Excellent Trustpilot customer rating, suggesting that you’ll be satisfied with the service experience.
9. Avant - Reputable Direct Lender Personal Loans
Avant Pros
- 1.5 M+ customers
- Expert customer service
- Great mobile apps
Avant Cons
- 4.75% origination fee
Unlike the majority of lender marketplaces we’ve covered, Avant stands out as a direct lender.
And, it isn’t just a regular lender, the company has helped over 1.5 million customers and has 10 years of experience in the lending industry.
Avant Loan Details: 4.2
- Loan amount - $2,000 - $35,000
- APR - 9.99% - $35.99%
- Terms - 24 - 60 months
- Delivery time - Next business day
Avant offers relatively wide loan amounts, and its loan terms are also flexible enough to help you find a repayment term within your financial weight.
Still, the creditor charges a 4.75% origination fee, so put that into consideration when estimating your loan amount.
Avant Features: 3.9/5
Away from the loans, Avant gives credit tips, and we find them very resourceful in helping you with your financial well-being.
Avant Customer Experience: 4.1/5
Also, the company has mobile apps for both Android and iOS, to further allow you a quick on-the-go experience.
Lastly, Avant uses credit and loan specialists for their customer support, so, amazingly, you’ll be getting informed advice when you need it.
10. Citrus Loans - Offers Small Loans Based on Income
Citrus Loans Pros
- Speedy loan decision
- No hidden fees
- Loans for any purpose
- Alternative phone request
Citrus Loans Cons
- Smaller loans
Citrus Loans makes its bones as one of the best small no-credit-check loan platforms.
Besides, the lender service is also available in all US states, so you could put in a loan request from wherever in the US.
Because of the small loans, Citrus Loans operates on lesser risk, and it’s possible that because of this you could get higher approval rates.
Citrus Loans Loan Details: 4.7/5
- Loan amount - $100 - $2,500
- APR - 261% - 1304%
- Terms - 14 days - 24 months
- Delivery time - 1 business day
Citrus Loans’ loan amounts are as low as they come, with no credit check loans from $100 to $2,500. Suffice it to say, if you don’t have a friend or family member to borrow a few hundred bucks, the lender can be a nice option.
Moreover, the repayment terms here are relatively short, but also wide enough to accommodate borrowers that want a fast repayment process and those that desire a more sustainable one.
Citrus Loans Features: 4.6/5
If you want a helping hand when applying for that loan, it’s good that you could also choose to apply for a loan on the phone for step-by-step guidance.
Moreover, the company is also more relaxed with its personal loans, say you can seek loans for almost any reason.
Citrus Loans Customer Experience: 4.7/5
Citrus Loans presents itself as simple, safe, secure, and reliable, and from its high customer ratings, it appears to tick those boxes.
Their loan prequalification form is short, hence it won’t take much of your time. Better still, you can also receive a loan decision in just 2 minutes.
How We Picked Our Top Loans With No Credit Check
Lender Honesty
Lender honesty feeds into how good they are in helping consumers find loans.
We selected loan platforms that were upfront with how their service works and gave an edge to those that show their loan details upfront to tell customers what to expect.
For those that didn’t give lender estimates, we made sure that borrowers could see loan specifics at the first stage of their offer to save them time.
Credit Consideration
To give every type of borrower a fighting chance, we picked lenders that considered all credit types.
These lenders mostly consider your monthly income to give you loans, so even people with bad credit or thin credit histories get an opportunity to land a suitable credit.
APR and Fees
We browsed numerous no-credit-check loans and shortlisted only those that boated the most competitive interest rates.
Additionally, from the shortlist we first selected no credit check lenders that had no fees, and then picked those that were upfront with their fees.
For those that had administration fees, we ensured that they were reasonable loan amounts, to protect users from exploitation.
Loan Terms
Lender loan terms determine how much you pay back in monthly payments and how much your interest is.
For bigger loan amounts, we picked creditors that offered relatively longer but not too long terms to give borrowers a sustainable repayment period.
Conversely, for lenders that gave smaller loans, we were keen to make sure that didn’t have too short terms to ease the monthly repayment burden.
Funds Processing Time
No one wants to wait long to receive their loan funds. Considering this, we only chose loan platforms that understood consumer urgency.
Many lenders in our review deliver funds into your bank account one business day, and some are even speedy enough to send the funds on the same day.
Additional Services
We also selected creditors on the basis that they also offered additional financial resources.
All the no credit check loan services we selected here either offer loan or credit education to help customers make great strides toward positive financial health and help to improve your credit report score.
Fast Loans for Bad Credit - FAQs
Can You Get a Loan Without a Credit Check?
Yes, you can get a loan without a credit check.
Most personal loans may not need a credit check to give you a loan. However, some lenders may take a look at your credit score or credit history not as a way to see if you’re creditworthy, but to personalize the loan for your credit type.
Is There a Real Way To Get a Loan With Bad Credit?
Yeah, there is a real way to get a loan with bad credit, and the best way is to approach bad credit lenders.
Importantly, to avoid getting into outrageously expensive loan repayment terms, you have to choose the most reputable bad credit score lenders.
And, all the no credit check loan services we’ve listed above are open to giving loans to people with all credit types.
What’s the Easiest Loan To Get With No Credit?
CashUSA is the easiest loan to get with no credit. The highly-rated loan service can be tailored for different credit situations, even for people with no credit history or low credit rating as long as they have a steady income source.
How to Apply for a Personal Loan if You Have Bad Credit?
If you have bad credit you can apply for a loan from bad credit score lenders.
Once you find a suitable poor credit score lender, you can then fill in a loan application online form and wait for a decision.
Online bad credit loan requests usually just take a few minutes, with a loan decision coming after a few minutes too.
What Are Some Example Loan Rates for Borrowers With Bad Credit?
Most borrowers with bad credit will get loan rates in the region of 5.99% - 35.99% APR.
Also, services like LendingTree and Credible have one of the lowest starting interest rates at 2.49% and 3.99% respectively.
While it may be hard to get the lowest rate with a poor credit score, you could get a better interest rate if your credit isn’t adverse.
What Are the Risks of a Bad Credit Loan?
The biggest risk of a bad credit loan is that they naturally have higher-interest rates than regular loans, so you might end up paying way more.
Additionally, if you fail to honor your bad credit loan agreement, the creditor might report you to the credit bureaus, and that will damage your already poor credit score even further.
What Are the Types of Loans for Bad Credit?
NOTE: Loans are a nice rescue to abrupt financial needs, but only take loans to tunes you can afford to avoid getting trapped in a debt cycle.
There are various types of loans for bad credit, and here are the most popular bad credit score loans;
- Personal Loans: Usually unsecured loans are given for an array of personal reasons, e.g. emergencies, weddings, car repair, e.t.c.
- Payday Loan: A payday loan is a short term loan given to you and is to be paid back on your next payday, there are plenty of great payday loan companies out there
- Debt Consolidation Loans: Debt consolidation loans are taken to combine different loans into one and refinance the loan repayment terms into a more manageable one.
- Auto Loans Auto: Auto credit is money borrowed for a car purchase
- Home Loans: A home or a mortgage loan is taken for buying a house
- Home Improvement Loans: Home improvement loans are unsecured loans taken for home renovations, refurbishing, and other additions
Top 3 Best No Credit Check Loans Summarized
1. MoneyMutual
- 2M+ customers
- Lender variety
- Insightful bad loans guide
- From $100
- Offers payday loans
2. CashUSA
- Borrow $500 - $10,000
- Has an extensive lender network
- No loan reason limits
- Very secure online application
- Additional financial education
- Loans from $500 - $10,000
- Get personalized loans for your needs
- Available 24/7
- Gives credit-related offers too
Urgent Loans for Bad Credit - Conclusion
You might have a poor credit score, but with these top loans with no credit check, you get the rare opportunity to potentially get a suitable loan.
But, of all these best bad credit loan companies, which is the best?
Well, CashUSA’s immense reputation, competitive interest rates, and no loan reason limits make it a great quick loan lender. If you need the loans extra quick - MoneyMutual is the top service for that.
That said, BadCreditLoans and PersonalLoans.com follow closely, and the lending companies offer different loan types, which is great if you want tailored loans.
NOTE: Loans are a nice rescue to abrupt financial needs, but only take loans to tunes you can afford to avoid getting trapped in a debt cycle.
