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 * Money
 * Loans / Personal Loans


NO-CREDIT-CHECK LOANS: WHY TO BE WARY OF LENDERS OFFERING GUARANTEED APPROVAL

By

Ben Luthi

Andrew Pentis
Emily McNutt,

CNN Underscored Money

Published 10:13 AM EDT, Thu August 8, 2024

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 * Link Copied!

Marti157900/iStock

If your credit is in poor shape but you need cash, no-credit-check loans may be
an appealing option. You might even think they’re your only option.

However, loans with no credit check and so-called guaranteed approval —
including payday loans and small online loans — tend to be expensive (see
triple-digit interest rates), not to mention risky (extremely short repayment
windows). If you’re not careful, taking one out can do more harm than good to
your financial well-being.

Proceed cautiously and take heart — there are alternatives to no-credit-check
loans.


WHAT ARE NO-CREDIT-CHECK LOANS?

As their name suggests, no-credit-check loans typically don’t require a hard
inquiry on your credit reports to get approved. Lenders may run a soft inquiry,
which doesn’t impact your credit scores, or not bother checking your credit
history at all.

There are several types of no-credit-check loans, each with its own set of
terms, advantages and disadvantages. In general, however, they tend to offer
small loan amounts and short repayment terms. Additionally, many charge high
interest rates and fees, making it more costly to repay them on time.

We receive compensation from our partners for Featured Offer placements, which
impacts how and where their offer is displayed.

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WHAT’S THE DIFFERENCE BETWEEN A SOFT AND HARD CREDIT CHECK?

Both hard and soft inquiries provide lenders with the same information about
your credit profile. In most cases, however, hard inquiries occur when you apply
for credit, while soft inquiries are typically performed when you try
pre-qualifing for a loan (or a lender runs your credit without your express
permission). While soft inquiries have no impact on your credit scores, hard
inquiries can have a small impact on your FICO credit score for up to a year.


WHY NO-CREDIT-CHECK LOANS SHOULDN’T BE YOUR FIRST CHOICE

A no-credit-check loan may be an attractive option, especially if your credit
has held you back from qualifying for traditional forms of financing. But this
type of loan should be your last resort. That’s because no-credit-check loans
are known to have:

 * High interest rates: As you probably know, your credit scores are a factor in
   determining your loan rates. Because of that, loans that either don’t require
   credit checks or don’t have a minimum credit requirement often have the
   highest rates of all financing options. For example, some no-credit-check
   installment loans have interest rates upwards of 100%. Meanwhile, payday
   loans can have rates of closer to 400%. (For comparison’s sake, the average
   personal loan rate for a two-year term in May 2024 was 11.92%, according to
   the Federal Reserve.)
 * Limited loan options: Aside from the high price tag attached to many
   no-credit-check loans, they may also simply not meet your needs. These loans
   often have low loan limits — payday loans, for example, are often capped at
   $500 — and repayment terms are often a matter of weeks.

Example: Let’s compare costs on three types of loans: for a borrower with
excellent credit, for a borrower with bad credit and a no-credit-check loan.
Imagine all three borrowers take out loans of $2,500 with a repayment term of
one year. As you can see, even a borrower with poor credit can save thousands of
dollars by opting for a traditional personal loan (if it’s accessible).

CreditAPRMonthly duesTotal interest cost
Excellent
8%
$217
$110
Bad
36%
$251
$514
No check
160%
$429
$2,646


See MoreSee Less

Expert’s take: “A consumer may qualify for a loan on better terms if they have
good credit history and the lender checks their credit score,” said Teri
Williams, the President and COO of OneUnited Bank. Before applying for a
no-credit-check loan, shop around and see what other types of loans you may be
eligible for (see alternatives below).


PROS AND CONS OF NO-CREDIT-CHECK LOANS

ProsCons
 * You can get approved with poor or no credit
 * You may get fast funding
 * You may not need to provide proof of income

 * Interest rates are often exorbitant
 * Repayment terms tend to be short
 * Loan amounts are relatively low
 * It can be hard to differentiate between legitimate and predatory lenders
 * You could get caught in a debt cycle


See MoreSee Less

The primary benefit of a no-credit-check loan is accessibility. Depending on the
type of loan, you may be able to get approved with no credit check or income
verification. You may also be able to get the cash you need quickly, either at
the point of sale, in your bank account or in person.

That said, these loans can be incredibly expensive, with annual percentage rates
(APRs) in the triple digits in many cases. You may also only have weeks to repay
the debt instead of months or years. If your financial situation is dire, you
may be forced to re-borrow money just to pay back your original loan, throwing
you into a vicious debt cycle that increases your costs over time.


5 TYPES OF NO-CREDIT-CHECK LOANS

 1. Installment loans
 2. Cash advance apps
 3. Buy now, pay later
 4. Bank loans
 5. Riskier no-credit-check loans


1. NO-CREDIT-CHECK INSTALLMENT LOANS

These loans typically offer higher loan amounts and longer repayment terms than
other no-credit-check loans. In some cases, lenders may run a soft credit check,
so approval isn’t guaranteed. Others may require a hard credit check, but
there’s no minimum credit score requirement.

Why to be wary: While installment loans offer more favorable terms than many
no-credit-check loans, they can still be incredibly expensive.


2. NO-CREDIT-CHECK CASH ADVANCE APPS

Cash advance apps can provide a small loan that you’ll typically repay by your
next payday. They typically run a soft credit check when you apply, and you may
be able to obtain larger advance amounts as a repeat customer. In many cases,
cash advance apps don’t charge interest.

Why to be wary: While many lenders promise no interest, you may have to pay a
monthly fee to become an app member. Additionally, cash advance apps may tack on
an extra fee to get your funds promptly — otherwise, you may need to wait
several days.

How to get a cash advance: Shop around and compare cash advance apps based on
loan amounts, fees and other features that are important to you. Then, download
the app of your choice and go through the process to request a loan.

We receive compensation from our partners for Featured Offer placements, which
impacts how and where their offer is displayed.

Featured Offer
EarnIn
Offer

*Subject to your available earnings, Daily Max and Pay Period Max. EarnIn
services may not be available in all states. Restrictions and/or third party
fees may apply, for more information please visit http://EarnIn.com/TOS.

Get up to $100 every day*
Fees

*Restrictions and/or third party fees may apply, for more information please
visit http://EarnIn.com/TOS

No membership, interest or late fees*
Minimum Credit Score

Restrictions and/or thrid party fees may apply, see http://EarnIn.com/TOS for
details.

No credit check

Learn More
EarnIn is a Financial Technology Company, not a bank.


REPUTABLE NO-CREDIT-CHECK CASH ADVANCE APPS

LenderLoan amountsInstant funding feeRepayment term
Varo
$20 to $500
$0
30 days
Possible Finance
$50 to $1,000
$0
8 weeks
Chime
$20 and up*
$1.99**
Next payday
Earnin
Up to $750
$3.99 to $4.99
Next payday
Brigit
$50 to $250
$0.99 to $3.99
Next payday
SoLo Funds
$20 to $575
1.75%
35 days
Payactiv
Up to $1,500
$1.99
Next payday
Dave
Up to $500
$3 to $25
Next payday


Rates and information as of July 15, 2024
*For “My Paycheck”; maximum varies by program
**To access your paycheck immediately via “My Paycheck”
See MoreSee Less


3. NO-CREDIT-CHECK BUY NOW, PAY LATER APPS

Buy now, pay later (BNPL) providers offer point-of-sale loans you can use to
make purchases online and in store. Some don’t charge interest or fees and
require repayment within six weeks while others offer longer terms, albeit with
interest.

Why to be wary: BNPL loans are easy to obtain at the point of sale, so the risk
of using them to overspend is high.

How to get a BNPL loan: Shop with a retailer that offers BNPL loans as a payment
method. You’ll typically undergo a soft credit check to get approved, but
longer-term BNPL loans may require a hard credit check.


REPUTABLE NO-CREDIT-CHECK BNPL APPS

LenderPurchase limitsRepayment termsInterest rates
Affirm
$50 to $30,000
 * 6 weeks
 * 3, 6, and 12 months but can range from 1 to 48 months

 * 0%
 * 0 to 36%

Afterpay
$600 and up
 * 6 weeks
 * 6 and 12 months

 * 0%
 * 0% to 35.99%

Apple Pay Later
$75 to $1,000
6 weeks
0%
Klarna
Varies
 * 4 and 6 weeks
 * 6 to 24 months

 * 0%
 * 7.99% to 33.99%

PayPal
 * $30 to $1,500
 * $199 to $10,000

 * 6 weeks
 * 6, 12 and 24 months

 * 0%
 * 4.99% to 35.99%

Sezzle
$20 to $2,500
 * 6 weeks
 * 3 to 48 months

 * 0%
 * 5.99% to 34.99%

Zip
$35 and up
6 weeks
None


Rates and information as of July 15, 2024
See MoreSee Less


4. BANK LOANS

Some banks and credit unions may offer loan options for applicants with
less-than-stellar credit. These personal loans tend to be larger and offer
longer repayment terms than other options from online lenders.

Why to be wary: Banks and credit unions typically require a credit check to get
approved, and minimum credit scores tend to be higher compared to online
lenders. You may also face stiff interest rates and origination fees.

How to get a bank loan: Check with your local bank or credit union to get
started and compare some of the largest banks, such as Discover, U.S. Bank and
Wells Fargo.


5. PAYDAY, CAR TITLE AND PAWNSHOP LOANS

You can typically get small payday loans online with no credit check or obtain
one of these loans in person at a check-cashing store. These loans are typically
repaid within a couple of weeks, but some lenders may offer longer repayment
terms.

Why to be wary: “These loans typically target individuals in urgent financial
need and can trap borrowers in cycles of debt due to their high costs and short
repayment periods,” said Taylor Kovar, a Texas-based certified financial
planner.

Before you borrow: Before you consider a payday, car title or pawnshop loan,
it’s crucial that you consider all of the other options that are available to
you, including the following alternatives.


ALTERNATIVES TO NO-CREDIT-CHECK LOANS

“By comparing options, individuals can make an informed decision that suits
their financial situation and minimizes the long-term financial burden,” said
Kovar.

AlternativeHow it worksWhat to knowPotential option if you…
Unsecured personal loan — with a co-applicant
You’ll apply with a reputable lender with a creditworthy loved one as your
cosigner or co-borrower
Lenders consider both credit profiles, which can result in better terms;
however, the loan will show up on both applicants’ credit reports
Have a creditworthy family member or friend willing to help
Secured personal loan
Requires collateral to secure the loan amount, improving your approval odds
Eligible collateral options may include a savings account, a vehicle, jewelry
and other personal belongings or real estate
Have sufficient collateral to get approved
Secured credit card
Gives you a revolving line of credit equal to your upfront security deposit
Can help you build credit over time; some cards return your deposit without
requiring you to close the account
Have enough funds to make a deposit and want to repair your credit over time
Credit card cash advance
Allows you to tap some of the available credit on your credit card
Cash advances typically carry higher APRs than regular purchases (plus fees) and
don’t qualify for a no-interest grace period
Have a credit card and want to avoid higher-cost options
Payday alternative loan
Credit unions offer these short-term loans with much better terms than payday
loans
APRs are capped at 28%, and you may get six to 12 months to repay; may need to
be an existing credit union member to qualify
Are a member of a credit union that offers PALs
401(k) loan
Allows you to effectively borrow money from yourself and repay it over five
years or more; no credit check is required
Interest is repaid to your account, but not all 401(k) providers offer loans; if
you’re terminated, you may need to repay the loan quickly to avoid penalties
Have a 401(k) with sufficient funds and plan on staying with your employer
P2P or family loan
You’ll borrow money from a loved one and create a repayment agreement
Can be inexpensive and doesn’t require a credit check, but it could put a strain
on your relationship
Have loved ones willing to help
Payment plan
Some retailers and other organizations may allow you to pay for an item or
service over time
Options and terms can vary wildly depending on the merchant or provider
Owe money to a company that offer this flexibility


See MoreSee Less

Additional reporting by Erin Gobler




FREQUENTLY ASKED QUESTIONS (FAQS)

What are the eligibility requirements for no-credit-check loans?

No-credit-check loans typically don’t require a credit score, but common
requirements may include:

 * US citizenship or permanent residency
 * Proof of income
 * US bank account
 * Age of majority in your state of residence

How quickly can I get approved for a no-credit-check loan?

If you’re applying online, you can often get approved within minutes. However,
each lender has its own process, so your experience may vary depending on which
one you choose.

What is the maximum loan amount for no-credit-check loans?

Ultimately, it depends on the lender and the type of loan you’re trying to get.
Loan options can range anywhere from under $100 to tens of thousands of dollars.

Are there any fees associated with no-credit-check loans?

Some loan options and lenders don’t tack on extra fees, but others may impose
hefty finance charges or origination fees that increase your total costs.

Can I improve my credit scores with a no-credit-check loan?

Lenders that offer installment loans may report your monthly payments to the
credit bureaus, which can help improve your credit. Also, some cash advance apps
may offer credit-building tools. However, most no-credit-check loans won’t have
a positive impact on your credit, even if you repay on time.

Editorial Disclaimer: Opinions expressed here are the author's alone, not those
of any bank, credit card issuer, airlines, hotel chain, or other commercial
entity and have not been reviewed, approved or otherwise endorsed by any of such
entities.

This content is for educational purposes only and is not intended and should not
be understood to constitute financial, investment, insurance or legal advice.
All individuals are encouraged to seek advice from a qualified financial
professional before making any financial, insurance or investment decisions.

Note: While the offers mentioned above are accurate at the time of publication,
they're subject to change at any time and may have changed or may no longer be
available.


What is in this guide?
 * What are no-credit-check loans?
 * Why no-credit-check loans shouldn’t be your first choice
 * Pros and cons of no-credit-check loans
 * 5 types of no-credit-check loans
 * Alternatives to no-credit-check loans
 * Frequently asked questions (FAQs)

--------------------------------------------------------------------------------


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OUR USE OF COOKIES AND OTHER TECHNOLOGIES

We use cookies on our website to improve your browsing experience. We, our
affiliates, and our 53 partners store and access personal information on your
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WE AND OUR PARTNERS PROCESS DATA TO PROVIDE:

Store and/or access information on a device. Use limited data to select
advertising. Use profiles to select personalised advertising. Create profiles
for personalised advertising. Use profiles to select personalised content.
Create profiles to personalise content. Measure advertising performance. Measure
content performance. Understand audiences through statistics or combinations of
data from different sources. Develop and improve services. List of Partners
(vendors)

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STORE AND/OR ACCESS INFORMATION ON A DEVICE 46 PARTNERS CAN USE THIS PURPOSE

Store and/or access information on a device

Cookies, device or similar online identifiers (e.g. login-based identifiers,
randomly assigned identifiers, network based identifiers) together with other
information (e.g. browser type and information, language, screen size, supported
technologies etc.) can be stored or read on your device to recognise it each
time it connects to an app or to a website, for one or several of the purposes
presented here.

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USE LIMITED DATA TO SELECT ADVERTISING 36 PARTNERS CAN USE THIS PURPOSE

Use limited data to select advertising

Advertising presented to you on this service can be based on limited data, such
as the website or app you are using, your non-precise location, your device type
or which content you are (or have been) interacting with (for example, to limit
the number of times an ad is presented to you).

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USE PROFILES TO SELECT PERSONALISED ADVERTISING 32 PARTNERS CAN USE THIS PURPOSE

Use profiles to select personalised advertising

Advertising presented to you on this service can be based on your advertising
profiles, which can reflect your activity on this service or other websites or
apps (like the forms you submit, content you look at), possible interests and
personal aspects.

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CREATE PROFILES FOR PERSONALISED ADVERTISING 34 PARTNERS CAN USE THIS PURPOSE

Create profiles for personalised advertising

Information about your activity on this service (such as forms you submit,
content you look at) can be stored and combined with other information about you
(for example, information from your previous activity on this service and other
websites or apps) or similar users. This is then used to build or improve a
profile about you (that might include possible interests and personal aspects).
Your profile can be used (also later) to present advertising that appears more
relevant based on your possible interests by this and other entities.

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USE PROFILES TO SELECT PERSONALISED CONTENT 7 PARTNERS CAN USE THIS PURPOSE

Use profiles to select personalised content

Content presented to you on this service can be based on your content
personalisation profiles, which can reflect your activity on this or other
services (for instance, the forms you submit, content you look at), possible
interests and personal aspects. This can for example be used to adapt the order
in which content is shown to you, so that it is even easier for you to find
(non-advertising) content that matches your interests.

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CREATE PROFILES TO PERSONALISE CONTENT 10 PARTNERS CAN USE THIS PURPOSE

Create profiles to personalise content

Information about your activity on this service (for instance, forms you submit,
non-advertising content you look at) can be stored and combined with other
information about you (such as your previous activity on this service or other
websites or apps) or similar users. This is then used to build or improve a
profile about you (which might for example include possible interests and
personal aspects). Your profile can be used (also later) to present content that
appears more relevant based on your possible interests, such as by adapting the
order in which content is shown to you, so that it is even easier for you to
find content that matches your interests.

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MEASURE ADVERTISING PERFORMANCE 38 PARTNERS CAN USE THIS PURPOSE

Measure advertising performance

Information regarding which advertising is presented to you and how you interact
with it can be used to determine how well an advert has worked for you or other
users and whether the goals of the advertising were reached. For instance,
whether you saw an ad, whether you clicked on it, whether it led you to buy a
product or visit a website, etc. This is very helpful to understand the
relevance of advertising campaigns.

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MEASURE CONTENT PERFORMANCE 14 PARTNERS CAN USE THIS PURPOSE

Measure content performance

Information regarding which content is presented to you and how you interact
with it can be used to determine whether the (non-advertising) content e.g.
reached its intended audience and matched your interests. For instance, whether
you read an article, watch a video, listen to a podcast or look at a product
description, how long you spent on this service and the web pages you visit etc.
This is very helpful to understand the relevance of (non-advertising) content
that is shown to you.

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UNDERSTAND AUDIENCES THROUGH STATISTICS OR COMBINATIONS OF DATA FROM DIFFERENT
SOURCES 23 PARTNERS CAN USE THIS PURPOSE

Understand audiences through statistics or combinations of data from different
sources

Reports can be generated based on the combination of data sets (like user
profiles, statistics, market research, analytics data) regarding your
interactions and those of other users with advertising or (non-advertising)
content to identify common characteristics (for instance, to determine which
target audiences are more receptive to an ad campaign or to certain contents).

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DEVELOP AND IMPROVE SERVICES 35 PARTNERS CAN USE THIS PURPOSE

Develop and improve services

Information about your activity on this service, such as your interaction with
ads or content, can be very helpful to improve products and services and to
build new products and services based on user interactions, the type of
audience, etc. This specific purpose does not include the development or
improvement of user profiles and identifiers.

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ENSURE SECURITY, PREVENT AND DETECT FRAUD, AND FIX ERRORS 45 PARTNERS CAN USE
THIS SPECIAL PURPOSE

Always Active

Your data can be used to monitor for and prevent unusual and possibly fraudulent
activity (for example, regarding advertising, ad clicks by bots), and ensure
systems and processes work properly and securely. It can also be used to correct
any problems you, the publisher or the advertiser may encounter in the delivery
of content and ads and in your interaction with them.

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DELIVER AND PRESENT ADVERTISING AND CONTENT 37 PARTNERS CAN USE THIS SPECIAL
PURPOSE

Always Active

Certain information (like an IP address or device capabilities) is used to
ensure the technical compatibility of the content or advertising, and to
facilitate the transmission of the content or ad to your device.

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SAVE AND COMMUNICATE PRIVACY CHOICES 24 PARTNERS CAN USE THIS SPECIAL PURPOSE

Always Active

The choices you make regarding the purposes and entities listed in this notice
are saved and made available to those entities in the form of digital signals
(such as a string of characters). This is necessary in order to enable both this
service and those entities to respect such choices.

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MATCH AND COMBINE DATA FROM OTHER DATA SOURCES 31 PARTNERS CAN USE THIS FEATURE

Always Active

Information about your activity on this service may be matched and combined with
other information relating to you and originating from various sources (for
instance your activity on a separate online service, your use of a loyalty card
in-store, or your answers to a survey), in support of the purposes explained in
this notice.

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LINK DIFFERENT DEVICES 28 PARTNERS CAN USE THIS FEATURE

Always Active

In support of the purposes explained in this notice, your device might be
considered as likely linked to other devices that belong to you or your
household (for instance because you are logged in to the same service on both
your phone and your computer, or because you may use the same Internet
connection on both devices).

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IDENTIFY DEVICES BASED ON INFORMATION TRANSMITTED AUTOMATICALLY 33 PARTNERS CAN
USE THIS FEATURE

Always Active

Your device might be distinguished from other devices based on information it
automatically sends when accessing the Internet (for instance, the IP address of
your Internet connection or the type of browser you are using) in support of the
purposes exposed in this notice.

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STRICTLY NECESSARY COOKIES

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