No-Credit-Check Loans in 2024
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If you have limited credit history or no credit score, a no-credit-check loan is one way to get funds when you need them. Cash advance apps, “buy now, pay later” companies and high-interest installment lenders all provide loans without a hard credit inquiry.
Each option comes with its own set of risks, so compare no-credit-check loans to low- or no-cost borrowing alternatives, and have a plan to repay the funds to avoid financial risk.
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6 no-credit-check loans in 2024
OppLoans: No-credit-check, high-interest loans
OppLoans are short-term loans with triple-digit interest rates.
How you qualify:
OppFi does a soft credit pull.
OppFi reviews your bank account transactions.
on NerdWallet's secure website
on NerdWallet's secure website
None
160.00-179.00%
$500-$4,000
Possible: No-credit-check, high-interest loans
Possible Finance is an app that provides small loans to consumers with poor or no credit.
How you qualify:
Possible reviews your bank account transactions.
on NerdWallet's secure website
on NerdWallet's secure website
None
151.70-248.67%
$50-$500
EarnIn: No-credit-check cash advances
EarnIn allows borrowers to take up to $750 from their paycheck before payday in $100 daily increments.
How you qualify:
Provide EarnIn with proof of income, either through bank account access, location tracking or responding to EarnIn emails via your work email address.
on NerdWallet's secure website
on NerdWallet's secure website
None
$100-$750
Brigit: No-credit-check cash advances
Brigit is a budgeting app that provides small cash advances and charges a monthly subscription fee for access to advances.
How you qualify:
Brigit reviews your bank account transactions.
on NerdWallet's secure website
on NerdWallet's secure website
None
$50-$250
Afterpay: No-credit-check buy now, pay later loans
Afterpay splits purchases into smaller payments.
How you qualify:
Afterpay does a soft credit check.
on NerdWallet's secure website
on NerdWallet's secure website
None
35.99%
Affirm: No-credit-check buy now, pay later loans
Affirm provides zero-interest pay-in-four plans.
How you qualify:
Affirm does a soft credit check.
on NerdWallet's secure website
on NerdWallet's secure website
None
36.00%
$50-$20,000
Editor’s note: NerdWallet uses different methodologies to rate high-interest personal loans, cash advance apps and buy now, pay later apps. Read more about star rating methodologies for personal loans, and cash advance and BNPL apps.
How to shop for no-credit-check loans
If a loan with no credit check is your best option, here are a few tips to avoid a predatory lender.
Look for the APR. An APR helps you evaluate the loan’s affordability and compare it with other loans. Lenders are required by law to disclose the loan’s APR before you sign a loan agreement.
Find a lender that assesses your ability to repay. Reviewing your bank account information, doing a soft credit pull, checking alternative credit bureaus and requiring proof of income are all signs that a lender wants you to repay the loan. A lender that doesn’t check your ability to repay may be counting on you to refinance the loan for one with a longer term or get a second loan to pay off the first, which is how a debt cycle begins.
Understand the repayment terms. Whether you agree to repay the money in two weeks or a few months, know your payment date and how the lender will collect the money. If the lender debits your bank account, review your budget to make sure the money will be there so you don’t overdraw.
Review the amortization schedule. If the loan requires multiple payments, ask to see the amortization schedule, which is a table that shows how much of each payment goes toward principal and how much to interest. At least part of each payment should pay down the loan’s principal.
Look for the lender’s license. Lenders usually must register in states where they operate. Many list their licenses on their websites.
Beware of scammers. A reputable lender won’t ask you to pay them before you get a loan. If the lender asks for a gift card or cash before they lend money, it’s likely a scam.
» MORE: How to spot a personal loan scam
How to get a loan with no credit check
Before you get a no-credit-check loan, consider all your alternatives. In general, the easier a loan is to get the more expensive it could end up being.
Check your credit and bank account histories: It’s helpful to know what lenders will see when they review your application. Even if a no-credit-check lender only does a soft credit pull, it’s helpful to check your credit reports before you apply to understand what may be working against you. Because these lenders often look at cash flow information in your bank account, it may also help to see how much money you’re keeping in the account after your bills are paid.
Do your research: The last thing you want when you apply for a loan is to be scammed, so research the lender to evaluate their legitimacy and learn the pros and cons of borrowing with them.
Gather required information: In general, even a lender that doesn’t check your credit will likely ask for the basics: Your name, birthdate, address, email, phone number and Social Security number. The lender may also ask you to connect your bank account. Be sure to have this information ready before you apply.
Apply: Once you request a loan, the lender may do a soft credit check, but rest assured that the lender must notify you before doing a hard inquiry, per the Fair Credit Reporting Act. The lender should give you an approval decision quickly after you apply.
Make a plan to repay: Payday and high-interest installment lenders must disclose the loan’s APR before you sign an agreement, but cash advance apps and BNPL companies don’t have to. Before you accept a loan, make sure to understand how much you’ll be required to pay and when so you can make a firm plan to make the payments on time and avoid getting stuck in a cycle of debt.
Per the Military Lending Act, lenders can’t provide loans with APRs above 36% to active duty military members or their dependents. That’s why, if you’re a military member or dependent, you may be rejected for a high-interest no-credit-check loan outright.