Compare the Best No-Credit-Check Loans of 2025
Best No-Credit-Check Loans
Best Loan Apps With No Credit Check
Best No-Credit-Check Personal Loan Lenders
Best for Quick Approvals
Upstart
Minimum Credit Score
620
APR range
6.60% to 35.99%
Loan amounts
$1,000 to $75,000
620
6.60% to 35.99%
$1,000 to $75,000
Upstart has made a mark on the personal loan space because of its artificial intelligence- and machine learning-based approach to borrower qualification. In fact, Upstart estimates that it has been able to approve 27% more borrowers than possible under a traditional lending model. With competitive APRs, Upstart is not a top lender for borrowers who can qualify for more competitive rates. Even so, the platform’s minimum 300 credit score makes it an accessible option to those with fair credit.
Upstart also offers a pretty flexible range of loan options, with amounts ranging from $1,000 to $50,000 so you don’t have to borrow (or pay interest on) more than you really need. And, while Upstart’s loan cap is lower than some lenders—this is likely to be enough for many prospective borrowers.
Even though Upstarts three-, five-, seven-year loan terms are more restrictive than other lenders, it’s likely to be an acceptable tradeoff for applicants who might not be approved in a more traditional lending environment. Plus, it’s available in every state except West Virginia and Iowa, so it’s as widely available as many other top lenders.
- Low credit score requirement
- No prepayment penalties
- Low income requirement
- High origination fees
- Limited repayment terms
- Co-borrowers and co-signers not permitted
Eligibility
- Minimum credit score: 300
- Co-applicants: No
- Direct pays third-party creditors: Yes
Best for Quick Turnaround
Possible Finance
Loan amounts
Up to $500
APR range
150% to 200%
Minimum Credit Score
None
Up to $500
150% to 200%
None
Possible Finance is an online lender that works with borrowers with bad or no credit. The lender allows borrowers to repay loans over two months, as opposed to payday lenders that often require repayment on the next payday. Although Possible’s loans come with high annual percentage rates (APRs), they’re lower than what are often offered on payday or title loans.
- Available to borrowers with bad or no credit
- Two-month loan term
- Payments reported to two of the three major credit bureaus
- High interest rates
- Not available in all states
- May charge an origination fee
Details
Eligibility:
- Minimum credit score.None
- Minimum income. Monthly income of $750
- Co-signers. Not disclosed
- Co-borrowers. Not disclosed
Best for Large Loan Amounts
OppLoans
Loan amounts
$500 to $4,000
APR range
160% to 195%
Minimum Credit Score
No minimum
$500 to $4,000
160% to 195%
No minimum
OppLoans offers large loan amounts of up to $4,000 to borrowers with no or damaged credit. Although these loans have high APRs, they are often less than those that can come with payday or title loans. OppLoans also offers loan terms of up to a year and a half and doesn’t charge origination or late fees.
- No prepayment penalty fees
- No credit score minimum
- No origination fee
- High interest rates
- Co-signers and co-borrowers not permitted
Details
Eligibility
- Minimum credit score. No minimum
- Minimum income. Not disclosed.
- Co-borrowers/co-signers. Not permitted
Funding Speed
If verification is complete and you get a final approval before 12 p.m. CT., you can have funding as soon as the same day.
Best Loan Apps With No Credit Check
Best Overall Loan App With No Credit Check
EarnIn
Fees
Optional²
Loan amounts
up to $750¹
Optional²
up to $750¹
EarnIn is an instant cash advance app that lets users get paid as soon as they leave work by connecting the app to a bank account and tracking work hours. After working enough hours, users can request a cash advance of up to $100 per day or up to $750 per pay period using the platform’s Cash Out tool. App users can opt into Lightning Speed for $3.99 and receive cash instantly or within minutes.
There are no fees associated with EarnIn, but there is a tip feature with options ranging from $0 to $14 for most services. The platform also sends users alerts if their bank account falls below a set balance and can send automatic Cash Outs on an as-needed basis.
EarnIn is only available in the U.S. and U.S. territories. EarnIn is not available in CT.
- No mandatory fees²
- No credit check required²
- Same-day funding available, starting at $2.99 per transfer to your bank account. Get up to $150 per day, with a max of $750 between paydays.¹
- Low borrowing limits
- Seemingly low tips can translate into high APRs
- Requires sharing personal banking information
Repayment
Borrowed funds are withdrawn from the user’s bank account on payday.
Turnaround time
One to three business days or within minutes for users with Lightning Speed, starting
at $2.99 per transfer to your bank account.
Disclosures
¹EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details.
²Expedited transfers available for a fee. Visit Earnin.com for full details.
Best for Multiple Borrowing Options
MoneyLion
Fees
Up to $4.99
Loan amounts
$500
Up to $4.99
$500
In addition to Instacash cash advances up to $500, MoneyLion offers credit-builder loans, mobile banking accounts and investment accounts. Members get access to their credit score, tips on how to improve that credit score and other helpful tools. As with other top loan apps, MoneyLion doesn’t charge any fees and tipping is optional.
- Offers cash advances up to $500
- No monthly fee and tipping is optional
- No credit check required
- Funding can take up to five business days
- Instant delivery requires a Turbo Fee
- Requires bank account access
Repayment
Borrowed funds are withdrawn from the user’s bank account on payday or at time of next deposit.
APR example
If MoneyLion instantly deposits a $50 advance into an external account for $4.99, you pay an additional $1 tip and repay the loan in five days, it costs $5.99 and the APR translates to about 875%.
Turnaround time
Instant funding available with Turbo Fees or 24 to 48 hours for MoneyLion checking account users; two to five business days for nonmembers.
Most Popular is calculated from the number of times each affiliate product was selected by Forbes Advisor users over a six month time period.
What Is a No-Credit-Check Loan?
A no-credit-check loan is a personal loan that doesn’t require a hard credit inquiry, making it easier to obtain with no credit or poor credit.
Personal loans with no credit check are typically offered in small amounts from $100 to $4,000 and are due within a short period, such as two weeks or 12 months.
Different types of no-credit-check personal loans include:
- Cash advances. Cash advances allow you to borrow money against your next paycheck. In most cases, to be eligible you’ll need to have stable enough income to repay the loan.
- Installment loans. Installment loans with no credit check are available through some credit unions and online lenders. Terms can reach up to 18 months, but interest rates can also be 150% to 200% compared to rates as low as 6.70% for borrowers with good credit.
- Buy now, pay later (BNPL). BNPL services allow you to make store purchases and pay them off in interest-free installments over several weeks.
- Payday and title loans. Title loans are secured by your car and payday loans are secured by your next paycheck. While certain states set caps on payday and title loan rates, rates can be 300% to 400% APR in some areas.
How To Get a Quick Loan With No Credit Check
The application process for no-credit-check loans is usually quick, with same-day funding available. Follow these steps to get a quick no-credit-check loan:
- Get proof of income. Lenders may look at factors like your income, employment history, banking history, bank balance and spending habits to approve you for a no-credit-check loan and decide your loan amount. Lenders could verify this information by reviewing your pay stubs, tax documents or bank activity.
- Sign up for direct deposit. Certain lenders require that you have a bank account with direct deposit set up to qualify for loans.
- Fill out the loan application. Application processes for no-credit-check loans can vary by lender, but the process often happens online or using an app.
- Get funding. Once approved, you could get your loan deposited into your bank account within the same day or a few business days.
- Make payments. The lender will tell you when payments are due, and these payments may be drawn automatically from your bank account.
Where Can I Get a Loan With No Credit Check?
You can find loans with no credit check at physical storefronts and online lenders. In many cases, these are the loans to be wary of since they’re likely to have sky-high fees and interest rates. If payments on payday or title loans become unmanageable, you could get caught in a vicious web of debt.
Tips for Comparing No-Credit-Check Loans
Since no-credit-check loans are typically marketed to higher-risk borrowers and come with dangerously high interest rates, it’s important to compare loans to understand costs before borrowing.
- Understand the fees. Some finance apps offer paycheck advances and BNPL with no upfront fees, but they can become costly if you miss payments. Online and storefront payday loans, title loans and installment loans for bad credit will likely charge interest and fees, so be sure to compare costs across multiple lenders before borrowing.
- Check interest rates. Lenders may express loan costs as an annual percentage rate (APR), which is the annualized cost of borrowing, including both interest and fees. Comparing APRs with a loan calculator can help you estimate monthly payments for different loan options.
- Review repayment terms. Repayment terms for no-credit-check loans are generally short. Comparing multiple lenders is a way to find the best repayment schedule for your financial needs.
- Understand payment options. Payments for paycheck advances, payday loans or installment loans may be automatically withdrawn from your bank account. You may also be required to write a check that’s cashed on the loan due date. To avoid bank account overdrafts, make sure there’s enough money in your account each payment cycle.
- Search for lender credentials and reviews. No-credit-check loans, touted as quick financial solutions, can be offered by predatory lenders. These lenders can trap borrowers into a debt cycle. To avoid a scam, be sure to check a lender’s legitimacy by reading lender reviews and checking for consumer complaints against the company.
Pros and Cons of No-Credit-Check Loans
Whether you should take out a no-credit-check loan depends on your financial situation. Some of the advantages and disadvantages include:
| PROS | CONS |
|---|---|
| Streamlined application | High fees and interest rates |
| Quick funding turnaround | Small loan amounts |
| No hard credit inquiry | Short-term repayment schedules |
| Good credit isn’t required | Can lead to debt cycles |
Should You Take Out a Loan With No Credit Check?
Whether you should take out a no-credit-check loan depends on your financial situation.
When used sparingly, small loans without fees, such as BNPL or paycheck advances, might be an affordable way to cover an unexpected expense. Still, overusing them can lead to a cycle of overspending and debt that limits your ability to save or handle other obligations.
These loans aren’t without their risks, but they can be a good option if you don’t have any other options. Before taking out a no-credit-check loan, have a plan to repay the money you’ve borrowed before the loan term ends.
Also, note that some lenders that don’t require a credit check at application but may still report late payments to credit bureaus for unpaid debt, which could damage your credit history.
Alternatives to No-Credit-Check Loans
No-credit-check loans are just one way to manage emergency cash gaps. Alternatives to payday loans include:
Credit cards
Payday alternative loans
Savings-secured loans
Family or friend loans
Co-signed loans
Methodology
We reviewed lenders and apps that require no credit check based on the categories of loan details, loan costs, perks, customer experience and funding speed. Below you’ll find the methodology used for each loan type.
To learn more about how Forbes Advisor rates lenders, and our editorial process, check out our Loans Rating & Review Methodology.
Personal Loans With No Credit Check
We reviewed 18 popular lenders based on 14 data points in the categories of loan details, loan costs, eligibility and accessibility, customer experience and the application process. We chose lenders that have no minimum credit score requirement and ranked them based on the weighting assigned to each category:
- Eligibility and accessibility. 30%
- Loan cost. 25%
- Loan details. 20%
- Customer experience. 15%
- Application process. 10%
Within each category, we also considered several characteristics, including loan amounts, repayment terms, APR ranges and applicable fees. We also looked at whether each lender accepts co-signers or joint applications and the geographic availability of the lender. Finally, we evaluated each provider’s customer support tools, borrower perks and features that simplify the borrowing process—like prequalification and mobile apps.
Loan Apps With No Credit Check
We reviewed nine popular lenders based on eight data points in the categories of loan details, loan costs, perks, customer experience and funding speed. We chose the best lenders based on lenders that offered loans over $500 and rank them based on the weighting assigned to each category:
- Loan cost. 40%
- Loan details. 25%
- Funding speed. 20%
- Customer experience. 10%
- Perks. 5%
Within each major category, we also considered several characteristics, including maximum loan amounts, repayment terms, and applicable fees. We also evaluated each provider’s customer support, borrower perks and reviews.
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Frequently Asked Questions (FAQs)
Which type of loan does not require a credit check?
Installment loans, cash advances, title loans and payday loans are loans that may not require a credit check. You may be able to get these loans from credit unions, online lenders or short-term loan storefronts.
How much can you get from a loan with no credit?
Generally, no-credit-check loans offer small amounts up to $4,000; however, loan amounts may vary based on your income and the lender.
How does taking out a no-credit-check loan affect my credit score?
No-credit-check loans don’t involve a hard credit inquiry so applying won’t impact your credit score. However, lenders may report late loan payments to the credit bureaus, which can cause your score to drop.
