Top 15 No Credit Check Personal Loans of 2022

While most lenders will pull your credit report before deciding whether to approve you for a loan, some offer no-credit-check personal loans.

These no credit check personal loans are the best bet when you are looking out for how best advised to use them.

Have you been wondering what the top no credit check personal loans are? Have you been wondering how best to get them and why you should even consider getting them?

Before the end of this, you should have answers to these questions.

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What is a No Credit Check Personal Loans?

A no-credit-check loan, like the name implies, is a loan that does not require a credit check. They are mostly applied for by people who do not have the best credit and are kind of sure they would not get approved for other types of loans and financing products.

A no credit check loan is a type of loan that does not require a hard inquiry into your credit report during the application process. That means the specifics of your credit history do not factor into approval for the loan.

Loans with no credit check do not guarantee approval, though. Whether or not you qualify depends on other things, like income or collateral to secure the loan, instead.

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How to Get a No Credit Check Loan? Step-by-Step Guide

There are steps you should take in your search for a no-credit-check loan.

Step 1

Find the right lenders. There aren’t many reputable personal loan providers with no credit check, but they do exist. In finding the right lender, check for their history and how long they have been in business.

Also, ensure you read up on the terms and conditions of the loan you are about to apply for. Popular lenders that have no credit check loans include NetCredit, OppLoans, and Integra Credit.

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Step 2

Check for pre-qualification. Even though applying for a no-credit-check loan won’t hurt your credit score anyway, pre-qualification is still worthwhile because it can show you what rates you might get.

Applying for a no credit check loan won’t hurt your credit score, but it’s still a good idea to check for pre-qualification because you’ll be able to estimate your rates before you apply.

See Also: 15 Ways To Get A Loan With A Bad Credit

Step 3

Compare terms. Pick the best loan based on the APR, fees, amount offered, and payoff period. These are all important terms in the course of getting your loan. Know what they are, and ensure they are favorable and suit what you have in mind.

Step 4

Apply. You would typically apply for a personal loan with no credit check either online or over the phone. Applying online is usually the quickest method.

Step 5

Wait for a decision. It’s typical to receive a decision quickly, but it could take a few business days.

Step 6

Receive the funds. If you’re approved for a loan, you can get your money anywhere from the same day to one or two business days later.

Top 15 No Credit Check Personal Loan

The top 15 no credit check personal loans are-


This no credit check personal loan has loans ranging from $500 to $10,000. They accept all credit types and loan requests can be approved in minutes.

When your loan gets approved, you can get funds directly to your bank account. This loan can be used for any purpose.

  • Interest Rate 5.99% – 35.99%
  • Loan Term 3 to 72 Months


Having been in existence since 1998, this no credit check personal loan has loans ranging from $500 to $10,000

  • Interest Rate 5.99% – 35.99%
  • Loan Term 3 to 60 Months


This no credit check personal loan has loans ranging from $500 to $35,000. Bad credit is no problem for you to get a loan under this type of personal loan.

The loan is available in up to 50 states and can also be sued for any purpose.

  • Interest Rate 5.99% – 35.99%
  • Loan Term 3 to 72 Months

#4. Avant

Avant offers personal loans of up to $35,000 to borrowers of various credit types and it requires a minimum score of just 580 to apply.

Keep in mind that the loan amount, rates, and fees you are charged will depend on all of your qualifications.

Applicants will need a minimum verifiable annual income of at least $20,000 to be approved.

Loans can come with an administration fee of up to 4.5% of the loan amount, and the fee is taken out of the loan at the time of funding.

  • APRs from 9.95% up to 35.99%
  • Minimum income of $20,000

#5. LendingClub

This is one of the tops no credit checks personal loans in 2022.

LendingClub is an online peer-to-peer network that offers loans funded through the contributions of individual investors. Loans can be obtained by qualified applicants for up to $40,000.

The fees charged for LendingClub loans will vary based on the in-house risk score given to each borrower, with origination fees as high as 6% possible.

  • APRs from 6.95% up to 35.99%

#6. MoneyMutual

This no credit check personal loan has loans up to $5,000. It is an online marketplace of lenders.

Funds are available in as few as 24 hours. Its simple online form takes less than 5 minutes

  • Interest Rate varies
  • Loan Term varies


This no credit check personal loan is rated 3.9 /5.0 Stars. Its short-term loan ranges from $100 to $1,000.

Bad credit is no problem for this loan and there is also a large network of lenders. Loan decision as fast as a few minutes; funding as soon as next business day

  • Required: Income of $1000+/month and at least 90 days on the job
  • Interest Rate- 200% – 2,290%
  • Loan Term- Varies

#8. LendUp

LendUp is a direct lender that offers short-term loans for borrowers with various types of credit. Decisions are usually instant through the online application.

Loan amounts vary by state, but $100 to $500 loans are typical. Although rates and fees for a LendUp short-term loan are on par with most short-term loans, repeat borrowers who pay on time can eventually access lower fees through the lender’s LendUp Ladder program.

  • APRs from 134% up to 1,252%
  • No minimum credit score requirement
  • Short-term loan terms of 7 to 30 days

#9. PREMIER Bankcard MasterCard Credit Card

In essence, credit cards are short-term loans that you can use over and over again.

Even better, it is that credit cards can have affordable minimum payments each month that give you flexibility in how long you take to repay your balance.

The premier bankcard MasterCard credit card is an example of no credit check personal loan.

  • Application length- 4 minutes
  • Reputation score- 9.0/10

#10. Auto Title Lender

This is one of the tops no credit checks personal loans in 2022. These lenders offer loans for which you have to use your auto title (the certificate that makes you the legal owner of a vehicle) as collateral.

In return, the lender lets you borrow up to 25% to 50% of the value of the car, to be paid back in 15-30 days with a fee equal to as much as 25% of the amount you borrow.

These loans are $100 to $5,500, on average (sometimes $10,000+), according to the Federal Trade Commission. If you are unable to pay the loan back within the specified timeframe, the lender may “roll it over” into the next month.

This gives you another month to pay it back, in return for another month’s worth of fees.

#11. PREMIER Bankcard Secured Credit Card

The mobile app helps you keep track of your spending and payments for greater financial control. If approved, make your first six-monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card.

If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills.

  • Application Length- 4 minutes
  • Reputation Score- 9.0/10

#12. eMortgage

This is one of the top no credit check personal loans in 2022.

With this, you can easily compare and choose mortgage lenders with no obligations or fees, review current mortgage rates side by side, pick mortgage lenders that meet your specific needs

  • Interest Rate- Varies
  • In Business Since- 1979
  • Application Length- 4 minutes
  • Reputation Score- 8.5/10

#13. FHA Rate Guide

This is one of the tops no credit checks personal loans in 2022. With this, you can get 4 free refinance quotes in 30 seconds, the network of lenders competes for your loan.

2 million has trusted this no credit check personal loan+ home loan borrowers to date.

  • Interest rates are near all-time lows
  • In Business Since- 2004
  • Application Length- 4 minutes
  • Reputation Score- 8.5/10

#14. Loans from relatives or friends

A family member or friend cannot perform a hard check of your credit. They may also be willing to give you a loan even if your credit is bad.

However, it’s important to handle such a loan as professionally as you would one from a bank.

#15. Credit Unions

This is one of the tops no credit checks personal loans in 2022. Most credit unions offer personal installment loans, which are best for any sum over $500.

However, some federal credit unions also offer what’s known as a Payday Alternative Loan, or PAL.

These are small $200 to $1,000 loans with terms between one and six months with low fees designed to be an alternative to payday loans.

  • Loan amounts will vary by CU
  • APRs from 3.00% up to 35.99%
  • The minimum credit score will vary
  • Minimum income will vary


Why are no-credit-check loans not a good idea?

You should avoid no credit check personal loans if possible because their exorbitant interest rates lead to high payments, which can steer you into a cycle of debt and wreak havoc on your credit. You may find that a no-credit-check loan does more harm than good for your long-term financial situation.

Can I get a loan with bad credit?

You don’t have to turn to a no-credit-check loan if you have bad credit. Fortunately, many lenders accept borrowers with bad credit. They may look at factors other than your credit when determining whether to approve you for a loan, such as your income, employment history, and debt-to-income ratio.

Are there alternatives to no-credit-check loans?

Of course. There are several alternatives to no-credit-check loans that can give you the funds you need, even if you have bad credit or no credit.

Does taking out one of these loans affect my score since I already have a poor credit history?

Yes. Anytime you finalize a loan application, your score is going to be affected. But, making on-time payments will help you rebuild that score. Make sure you do everything possible to pay your monthly payments on time.

Are there any bad credit loans that have guaranteed approval?

Regardless of your score, there’s a high chance that some lender in the world is going to get you approved. You must know that such loans usually come with less than attractive loan terms and interest rates.


In general, the best and most affordable method of dealing with your debt issues will vary based on the type of financing you need.

If you just need a short-term loan for an unexpected expense, for instance, a credit card may be your best bet. Longer-term options, like home equity or credit union loans, can also often be found despite a less-than-perfect credit.

However, picking from these top 15 no-credit check personal loans can be your best bet towards getting a loan, especially where you have bad credit.


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