No credit check loans are a great way to access financing and build your credit, but they’re hard to find and expensive. You’ll have to accept a high interest rate, provide collateral, or use existing lines of credit in creative ways.
In this article, we look at the 12 best no credit check loans that you can get online, as well as our top 8 choices so you can pick the one that’s best for you.
No credit check loans, online or otherwise, can have high rates and be difficult to repay. Consider alternatives before you borrow.
Best Simple Solution
Earnin is a 0% interest cash advance app that allows you to access $100/day and up to $750 during your pay period… all for free.
Best Overall No Credit Check Loan
60MonthLoans provides up to $10k loans over max 3 years at some of the lowest APRs in the industry, respecting the “golden rule” of 36% APR max, with only some exceptions.
Best for Repurposed Credit
Petal is a credit card you can get without a credit check, so if you need a small loan for purchases, the 25 day grace period is better than drawing a lump sum with certain interest.
Best for Large Loans
Prosper is a peer-to-peer lending platform that provides up to $50k in loans over 3 – 5 years, all under the golden 36% APR. The downside is that if too few peers want to invest, you may not get the loan.
Best Mid-Size Loan for Approval
When you’re in a bind, King of Kash may be a good option for a 12 month personal loan. Though the interest rates will be high, your chance of approval is high as well.
Best Car Title Loan
If you really don’t want a credit check of any kind, then you’ll have to front collateral. LoanMart is our top choice for title loans. Because sometimes, you just need the money.
Best to Plan for Future Borrowing
Citi Flex Loans carve out an installment loan against your Citi credit card credit limit. If you already have the card, there will be no credit check. Otherwise, go with a different lender and consider getting this card to plan for future borrowing needs.
Best for Low-Rate & CD Collateral
If you have a certificate of deposit with a credit union, you can get a personal loan with APR as low as 3% by using your deposit as collateral. Not everyone has CDs and secured savings, but this is a good choice for those that do.
Are you looking for a loan you can get online without running a hard inquiry on your credit report? Do you have bad credit or simply want to avoid taking the inquiry hit to your FICO score?
When it comes to online loans with no credit check, it’s not as simple as taking the first online lender you find and rushing into a choice. You could end up paying more than you need to or promising something like your car without knowing it.
You need to consider the amount, the interest rate, any collateral you may be promising, and most importantly, whether you already have credit available to you that you just don’t know about.
This guide covers the best options based on 10 criteria: maximum principal, loan structure, interest rate, collateral requirements, direct lender vs. broker, credit check reality, application length, approval speed, and deposit speed. We also consider customer service and any unique features lenders provide, such as direct deposit to your debit card or no early payment fees.
Now that you know what to consider, let’s get started.
What’s the best online loan with no credit check?
Here are our top picks for the best no credit check online loan:
- Earnin
- 60MonthLoans
- Petal Credit Card
- Prosper
- King of Kash
- LoanMart
- Citi Credit Card → Flex Loan
- Navy Federal Credit Union
- OppLoans
- 15M Finance
- Brigit App
- 1F Cash Advance
To see which options are available in your state, jump to the interactive map ↓.
Earnin
Best Simple Solution – Free Advance on Pay Check
My Take
Sometimes the best option is not what you expect, which is the case for no credit check loans because our pick for the best option is Earnin app. It allows you to access $100/day and up to $750 against your paycheck… drumroll please… absolutely free. There is no interest, and the only fee is an optional $3.99 max for immediate transfers, otherwise you wait 1 – 3 days. If you need small amounts of cash in advance of your pay check, we highly recommend Earnin App.
Our rating: 9.6 / 10
| Best for: | Simple solution for small, fast, free cash |
| APR/Cost: | $3.99 to get cash immediately, otherwise free |
| Credit Check: | None |
| Loan Amount: | Up to $750 |
| Duration: | 2 – 4 weeks |
| Application Length: | Minutes |
| Time to Disbursement: | 1 – 3 days, or immediately with $3.99 fee |
Key Features
- Free
- Fast credit building solution
- Up to $750 advance on pay
- Easy interface and features
- Tip Yourself feature allows you to save money in a zero-fee deposit account
- Balance Shield functionality protects you against overdraft by allowing Earnin to top up a low bank account by up to $100
Credit Check Details
Earnin does not run credit checks of any kind and signing up will have zero impact on your credit score — which is a big reason why we rank it #1.
Loan Type & Structure
- Type: Neo Cash Advance (not Payday)
- Installment or Revolving: Revolving
APR & Other Costs
There is no interest charge on the amount you advance against your pay check, so the APR with Earnin is 0%. The only fee is an optional $3.99 you can pay to receive your cash advance within seconds rather than waiting a day or so. Earnin also makes money from tips you provide, which may be in your interest to keep this app up and running.
Customer Service
Direct Lender or Broker: Direct Lender.
As a direct lender and CA-based startup you would expect Earnin to have stellar customer service, and in most cases they do. However, like many neo-banking services they rely on algorithms to handle operations, and this has produced some errors such as double debiting bank accounts for a single transaction. It has also produced some problems with ownership in the customer service department where real reps depend heavily on automated processes. These are nevertheless edge cases and Earnin has definitively positive App Store reviews.
States Where Available
Earnin is available in all 50 states and U.S. territories including U.S. Outlying Islands, U.S. Virgin Islands, Puerto Rico, Guam, American Samoa, Northern Mariana Islands. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Free
- No commitment
- Optional immediate disbursement
Dislike
- Low loan amount ($750)
- Customer service depends on technology and sometimes lacks knowledge
60MonthLoans
Best Overall No Credit Check Loan (Soft Check)
My Take
If you need more than a few hundred bucks in cash advance from an app, then we recommend 60MonthLoans. They will run a soft check on your credit report, but this won’t impact your FICO score and it won’t dramatically impact your ability to borrow. Why? Because 60MonthLoans charges higher APR rates than banks to justify lending to those with poorer credit. That said, rates remain below the golden rule for max APR on installment loans: 36%, with some exceptions going to 69%. You won’t find rates that low with other mid-term lenders of no credit check loans, which makes 60MonthLoans are best overall pick.
Our rating: 9.5 / 10
| Best for: | Overall No Credit Check Loan |
| APR/Cost: | Up to 5% origination, 19% – 69% APR |
| Credit Check: | Soft Inquiry |
| Loan Amount: | Up to $10,000 |
| Duration: | 3 year average |
| Application Length: | Minutes |
| Time to Disbursement: | 1 – 3 days |
Key Features
- APR under 36% (the golden rule for max rates), with some exceptions
- Available in 17 states
- Soft check only
- Up to $10,000 loan possible
Credit Check Details
60MonthLoans runs a soft credit check as a minimalist background check, but it isn’t decisive for your approval and it won’t impact your credit score.
Loan Type & Structure
- Type: Personal Loan.
- Installment or Revolving: Installment.
APR & Other Costs
60MonthLoans openly charges a 5% origination fee, and it’s APR is usually up to 36% (some exceptions going as high as 69%), which is almost unheard of in this space.
Customer Service
Direct Lender or Broker: Direct Lender.
60MonthLoans has very positive reviews, with the most critical ones concerning discrepancies between pre-approval loan amount + interest versus the final offer.
States Where Available
60MonthLoans is available in 17 states as of writing: California, Connecticut, Delaware, Georgia, Iowa, Idaho, Kentucky, Missouri, Montana, North Dakota, New Hampshire, New Mexico, Oregon, South Carolina, South Dakota, Utah, and Virginia. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Very transparent pricing structure with 5% origination and low APR for the industry
- Available in 17 states as of writing
- Very strong customer service
- Soft credit check
Dislike
- Like all personal loans, interest rates are higher than banks
Petal Credit Card
Best Repurposed Credit Option
My Take
You may be wondering why a credit card is on a list for loans. The reason is you can get the Petal Card without a credit check, then use the credit limit as an advance for small purchases, which means it’s ideal for those looking for a small amount of new credit for the holidays, vacation, or household expenses WITHOUT a credit check. You could consider combining with the Earnin app if you need slightly more.
Our rating: 9.4 / 10
| Best for: | Repurposed Credit Option |
| APR/Cost: | APR between 24.24% – 33.75% |
| Credit Check: | None, uses proprietary “CashScore” |
| Loan Amount: | Up to $5,000 |
| Duration: | 25 day grace period |
| Application Length: | Minutes |
| Time to Disbursement: | Same day |
Key Features
- No credit check credit card that functions as a small loan for purchases (but not cash advances)
- No origination fee
- Up to $5,000 in credit line
Credit Check Details
Petal uses a proprietary credit worthiness evaluation called CashScore, which means they don’t need to run a credit check on you. CashScore uses items such as regular income to determine your worthiness.
Loan Type & Structure
- Type: Neobank credit card.
- Installment or Revolving: Revolving.
APR & Other Costs
Petal’s APR is 24.24% – 33.74%, and it uses the average daily balance methodology to calculate interest.
Customer Service
Direct Lender or Broker: Petal is a direct lender.
Petal’s proprietary credit worthiness evaluation leverages a decision-making algorithm that produces frustration the customer service center struggles to handle. The card is designed for small value transactions and will block larger ones since they represent a statistical risk of fraud, so you’ll have to pay attention to that. Customer service has demonstrated a tendency to trust the software on small charges that are fraudulent as well.
States Where Available
Petal is available in all states. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Easy line of credit
- No credit check
- Ability to combine with other small loan or cash advance services to get the amount you need
Dislike
- Can only be used for purchases like a normal credit card, not advances
- APR is very high for a credit card, which calculates interest differently than installment loans like most others on our list
Prosper (Personal Loans)
Best for Large Loans Up to $50,000
My Take
Founded in 2005, Prosper is a leading California-based peer-to-peer lending site that handles the logistics of transferring money from investors to lenders. With loans from $200 all the way to $50,000, Prosper offers the largest loans on our list. The best part? It only runs soft credit checks but limits APR to maximum 36%, which provides the best rate guarantee for high-volume loans on our list. Prosper can offer these rates because multiple investors contribute to your loan request, reducing the risk for each of them. The downside is that if you make a loan request and an insufficient number of investors apply, then your request won’t be answered.
Our rating: 9.4 / 10
| Best for: | Large Loans |
| APR/Cost: | 1% – 5% Origination, APR between 6.99% – 35.99% |
| Credit Check: | Soft Inquiry |
| Loan Amount: | Up to $2,000 |
| Duration: | 3 – 5 year average |
| Application Length: | Minutes |
| Time to Disbursement: | 1 day |
Key Features
- Peer-to-peer lending diffuses risk across shareholders, which allows for lower APR
- Up to $50,000 in loans
- Soft credit check only
Credit Check Details
Prosper uses soft credit checks only, so they won’t impact your FICO. Prosper’s mission is to provide personal loans to people outside the traditional loan framework, so they are more flexible than banks and the credit check will not be decisive for your loan.
Loan Type & Structure
- Type: Personal Loan.
- Installment or Revolving: Installment.
APR & Other Costs
Prosper charges an origination fee between 1% – 5%. It’s APRs range from 6.99% to 35.99%, meeting the “golden rule” for max APR rates according to the NCLC.
Customer Service
Direct Lender or Broker: Both. Prosper is a peer-to-peer lender, meaning investors put down money for you and Prosper uses that to service the loan.
Prosper has mixed reviews from customers. Many critiques target the credit card service and mixed messaging from customer service, with some claims that technical errors in more recent years (as of writing in 2023) led to loan cancellation and reapplication in order offer higher rates. Prosper is still working out the kinks, but it’s APR rates speak volumes to its success.
States Where Available
Prosper is available in 30 states: Alaska, California, Colorado, Connecticut, Delaware, Washington, D.C., Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, New York, Oregon, Rhode Island, South Carolina, South Dakota, Utah, Virginia, Washington, and Wisconsin. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Among most competitive interest rates in the personal loan market
- Highest loan amounts on our list
- 2nd most present lender by states after 15M Finance
Dislike
- If your loan request lacks investors, you may not be able to get the loan
- Customer service has had issues communicating in recent years
King of Kash
Best Mid-Size Loans for Those in a Bind
My Take
If you need more than a few hundred dollars and don’t get approved for 60MonthLoans or prosper, you may need to shift gears towards a no credit loan lender with a higher risk appetite. For those in a bind, we recommend going with King of Kash, a Missouri-based personal loan lender with over 30 years in the business serving 11 states.
Our rating: 9.1 / 10
| Best for: | Mid-Size Loan for those in a Bind |
| APR/Cost: | ~5% Origination in Late fees, APR between 232% – 1,200% |
| Credit Check: | Soft Inquiry |
| Loan Amount: | Up to $5,000 |
| Duration: | 12 months |
| Application Length: | Minutes |
| Time to Disbursement: | Same day |
Key Features
- Provide “signature” loans that require no collateral other than your word, given by your signature
- Surprisingly good customer reviews for a high-rate lender
- $5,000 loan max
- 12-month fixed duration
Credit Check Details
King of Kash uses a soft credit check as a basic worthiness benchmark, then looks at your income to determine your ability to pay back the loan as a decision factor.
Loan Type & Structure
- Type: Personal Loan.
- Installment or Revolving: Installment.
APR & Other Costs
King of Kash charges origination and late fees that vary by state and is not obligated to publish all of them, but if some states like New Mexico are representative then we can estimate they’re the lesser of 5% or $10. In Missouri, King of Kash claims 1,200% as a max rate and we can deduce through reverse calculations that privileged, low-end rates are about 232% APR.
Customer Service
Direct Lender or Broker: direct lender.
King of Kash has a surprisingly strong rating on TrustPilot and most serious complaints date to several years ago (as of writing in 2023). The most common complaint I saw concerned duplicate or incorrect withdraws from customer accounts, which were either legal or refunded later. Though uncomfortable, mistakes are part of the lending business and we could not determine that King of Kash has more than the average number of withdraw errors.
States Where Available
King of Kash is available in 11 states: Alabama, Delaware, Illinois, Kansas, Michigan, Missouri, New Mexico, Tennessee, Texas, Utah, and Wisconsin. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Reasonable customer service for a no credit check loan
- No hard inquiry
- Rates within state rules
- Fixed 12-month
Dislike
- Very high interest rates
- Lacks transparency about loan terms until signature
- Terms vary vastly by state
LoanMart
Best for Car Title Loans
My Take
If you get denied from all of the above options, or you’re simply interested in using a collateral-backed loan to avoid any kind of credit check, including soft inquiries, then LoanMart may be right for you. It’s especially useful if you need cash right away, because if you get approved by 2:00 p.m., you can get the cash the same day.
Our rating: 9.1 / 10
| Best for: | Car Title Loans |
| APR/Cost: | 5% to $100 origination fee, 209% highest APR listed in Missouri |
| Credit Check: | None |
| Loan Amount: | Up to $50,000 |
| Duration: | 1 – 4 years |
| Application Length: | Minutes |
| Time to Disbursement: | Same day if approved before 2 p.m. |
Key Features
- Absolutely zero credit check, no soft inquiry
- Same-day funds access if accepted before 2:00 p.m.
- $15,000 maximum credit
Credit Check Details
LoanMart and its lenders will not investigate your credit report, which makes it the first non-app lender on our list to be 100% “no credit check.”
Loan Type & Structure
- Type: Car Title.
- Installment or Revolving: Installment or Single Payment.
APR & Other Costs
LoanMart only discloses its maximum rates in certain states, with 209% in Missouri coming in the highest. However, what’s most shocking is they charge a $100 origination fee, laying the ground for a steep principal amount to start.
Customer Service
Direct Lender or Broker: LoanMart is a broker.
While nobody likes high-interest title loans, LoanMart’s customers are generally happy with the quality of customer service and transparency coming from representatives, as described on its TrustPilot page.
States Where Available
LoanMart serves customers with residency in 8 states: Alabama, Arizona, Georgia, Idaho, Missouri, New Mexico, South Carolina, and Utah. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Zero credit check, of any kind
- Same-day cash when you apply before noon and are approved within 2 hours
Dislike
- Very high APR
- $100 flat origination fee in some states
- Must provide car title as collateral, which is an inherently risky debt
Citi Secured Credit Card → Flex Loan
Best for Future Credit Planning
My Take
If you’re looking for a no credit check loan, chances are you need it quickly. If you already have a Citi credit card, this “flex loan” provides access to an installment credit line against your existing card line — with no credit check. Other cards offer similar services, so if you don’t have Citi, check yours. The reality is if you don’t already have this option, you probably won’t be able to get approved for it quickly. That said, it’s a good idea to future proof your planning needs and get one once your credit improves.
Our rating: 9.5 / 10
| Best for: | Future Lending Needs Planning |
| APR/Cost: | 9.99% to 23.99% |
| Credit Check: | None |
| Loan Amount: | Varies |
| Duration: | 1 – 5 years |
| Application Length: | Minutes |
| Time to Disbursement: | 1 day |
Key Features
- Installment loan against you credit card line.
- Favorable APRs with traditional bank, with Citi’s starting at 9.99%
- $0 origination fee
Credit Check Details
There is no credit check for Citi’s flex loan. That said, Citi runs a hard query when you apply for a credit card, so this is a long term solution.
Loan Type & Structure
- Type: Repurposed credit.
- Installment or Revolving: Installment against a revolving line.
APR & Other Costs
APR’s from Citi vary by region, but they start at 9.99% and go as high as 23.99%. There is no origination fee.
Customer Service
Direct Lender or Broker: direct lender.
Citibank has a strong reputation as a dual investment banking and financial services company, which draws many users, and its rates are lower than other loan providers. However, it has somewhat scathing reviews with regards to customer service, which has been largely off-shored and not well trained. Some critiques include complaints about Citi siding with merchants in fraudulent transactions.
States Where Available
Citi cards and associated flex loans are available in every state. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Highly flexible option if you qualify
- Fast distribution of funds
- Reputable bank with long history
Dislike
- Unlikely you qualify if you’re looking for a no credit check loan, which means it’s only useful for the future
- Some customer service exchanges were very poor
Navy Federal Credit Union Share/Certificate Pledge Loan
Best for those with CDs or Locked Savings
My Take
Credit Unions often certificate pledge loans against money you’ve blocked in a certificate of deposit (CD) or locked savings account, which means you can effectively access a loan without a credit check because you use the savings as collateral, and the rates are even lower than many bank rates. These loans are therefore low interest collateral credit lines, differing from title collateral loans. These loans are ideal for those who have locked away money but for one reason or another have taken a hit to their credit score. Navy Federal Credit Union offers this so we’ll use it as the example, but if you’re member of another CU, consider inquiring with your representative.
Our rating: 9.5 / 10
| Best for: | Those with CDs and Locked Savings accounts |
| APR/Cost: | 2.45% – 6.25% |
| Credit Check: | None |
| Loan Amount: | Value of the CD or savings |
| Duration: | 5 year max |
| Application Length: | Minutes |
| Time to Disbursement: | 6 days |
Key Features
- Collateral loan against money you’ve already blocked
- Limited to members of NFCU
- Rates between 2.45% – 6.25%
Credit Check Details
Because you’re using collateral, there is no credit check associated with certificate pledge loans.
Loan Type & Structure
- Type: Personal.
- Installment or Revolving: Installment.
APR & Other Costs
Navy Federal does not charge an origination fee for pledge loans and the APRs are extremely low at 2 points above the certificate rate, in this case 2.45% – 6.25% as of writing.
Customer Service
Direct Lender or Broker: direct lender.
Navy Federal Credit Union, like many financial institutions, has had trouble handling complaints of fraud from its customers. Especially in 2022, they seem to be falling behind hackers who are able to divert funds under the radar, and customers are not happy about responses received from NFCU. Overall, however, they’re a long-standing institution that’s often recognized as the largest credit union and delivers exceptional customer experience according to Forrester’s 2022 CX Index™ Survey.
States Where Available
Navy Federal Credit Union is available in all states, but membership is limited to Department of Defense civilians, members of the armed forces, and their families. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Lowest interest on our list
- Collateral is already locked, so you don’t front any money as with other secured accounts
Dislike
- Hit-or-miss customer service
- Limited to members of armed forces, their families, and department of defense personnel
OppLoans No Credit Check Loans
Best for 60MonthLoans Alternative
OppLoans is best as an alternative to 60MonthLoans with lower loan amounts, shorter periods, and higher but not abusive rates. If you are unsuccessful with 60MonthLoans and Prosper, consider OppLoans.
Our rating: 9.2 / 10
Key Features
- APR between 59% – 160%
- Loans up to $4,000
- Soft check only
Credit Check Details
OppLoans will perform a soft check on your credit report to establish a baseline of your credit worthiness, but it uses high interest rates to balance the risk and poor credit won’t end your application. Importantly, soft credit checks won’t hurt your FICO score.
Loan Type & Structure
- Type: Specialized Lender personal loan.
- Installment or Revolving: Installment.
APR & Other Costs
OppLoans does not have an origination fee and its APRs range from 59% to 160%.
Customer Service
Direct Lender or Broker: Both, but we only analyze states where they are a direct lender.
OppLoans is often criticized for having an opaque approval process and disfavoring repeat customers who pay off their loans early. Overall, however, customers are happy with speed of disbursement and friendliness coming from customer service representatives.
States Where Available
OppLoans is a direct lender in 4 states: Alabama, Georgia, Nevada, and Wisconsin. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Simple 18-month loan periods
- APR max of 160% on direct lender loans are reasonable for the space
- No collateral
- Only soft credit checks
Dislike
- Customer service communication could be improved
- Rates are higher than 60MonthLoans
15M Finance
Best for Broker
Along with 1F Cash Advance and ASAP Finance, 15M is a broker that connects borrowers with various lenders via its online platform. As a broker, it cannot point you to no credit check loans, but it does claim they are available: “You just have to know where to look.” This is a good option for those who like to dig deep and uncover opportunities.
Our rating: 9.1 / 10
Key Features
- Online loan broker
- Mix of personal and payday loans
Credit Check Details
Lenders in 15M’s network are allowed to run credit checks on you, so you’ll need to be careful when reviewing and accepting an offer to be sure there is no credit check.
Loan Type & Structure
- Type: Specialized lender personal loan.
- Installment or Revolving: Installment.
APR & Other Costs
APRs with 15M can range from 5.99% to 677% or higher, but you will have to check the loan agreement you receive from the matched lender. Origination fees also vary. We wish we could be more specific, but this is the nature of broker services and a key reason why we do not rank them higher on the list.
Customer Service
Direct Lender or Broker: Broker.
The company has very strong online reviews, often with 4+ star ratings across sites. While uncommon for high rate lenders, customers mention that transparency is a key factor in their experience. 15M Finance lays the details out for you clearly and doesn’t upsell.
States Where Available
15M Finance is available in 32 states: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Customer reviews are positive
- Available in large number of states
- Strong broker matching tech
Dislike
- Low degree of detail shared up front because of the broker business model
Brigit App
Best for Earnin Alternative
Brigit is a cash advance app that allows you to borrow up to $250 against you next pay check at 0% interest. That said, it costs $9.99 per month, which means most people will prefer Earnin’s free advances, which cost $3.99 max to transfer immediately. Together, some may find value in combining advances from Earnin and Brigit, as well as other small-value options such as Petal.
Our rating: 8.9 / 10
Key Features
- Up to $250 per pay period
- 0% interest
- $9.99 per month fee
Credit Check Details
There is no credit check associated with Brigit. Between the monthly fee and the proof of income, they don’t need to check your worthiness.
Loan Type & Structure
- Type: Neo Cash Advance.
- Installment or Revolving: Revolving, zero interest.
APR & Other Costs
Brigit costs $9.99/month to use, but there is no APR or other interest associated with its cash advances.
Customer Service
Direct Lender or Broker: Direct Lender.
Brigit has very critical reviews, mostly due to a lack of clear communication about the $9.99 monthly fee. Many consumers found themselves upset about the charge when they pay on time, suggesting they didn’t understand the engagement. There are additional reviews complaining about customer service not cancelling the subscription even after many emails and calls to customer service.
States Where Available
Brigit is available in all states. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- Easy access to a small amount of money
- Good when combined with other providers like Earnin and Petal
Dislike
- Poor customer service
- The $9.99 fee essentially means the max you can take is $240.01 if you’re paid monthly
1F Cash Advance
Best for 15M Finance Alternative
If you don’t find what you’re looking for on 15M Finance, we recommend you try 1F Cash Advance, which is another broker with higher interest rates but a larger likelihood of approval.
Our rating: 8.9 / 10
Key Features
- Up to $1,500 in principal
- 1 – 5 year terms
- 677% average maximum rate in Ohio
Credit Check Details
Like 15M Finance, 1F Cash Advance is a broker service whose lenders have the flexibility to run credit reports. That said, 1F claims based on its lender experience that even no credit check loans will have a soft credit check, so you should expect these going through them.
Loan Type & Structure
- Type: Specialized Lender, personal loan.
- Installment or Revolving: Installment and/or revolving.
APR & Other Costs
Since 1F Cash Advance is a broker, the origination fees and APRs will vary by the lender with which you are matched. That said, 1F explains that rates will vary on average between 154% in Oregon and 677% in Ohio.
Customer Service
Direct Lender or Broker: broker.
1F Cash Advance has stellar customer reviews, which is uncommon for a broker lending company. Customers mention on several accounts that there is always an amount of hesitation involved in taking a short term loan because its difficult to trust lenders, but 1F Cash Advance has a strong reputation for transparency.
States Where Available
1F Cash Advance is available in 9 states: New Jersey, Illinois, Texas, Florida, Kentucky, Ohio, California, Michigan, and Wisconsin. See our interactive map below to see what’s available in your state.
What I like and Dislike
Like
- High degree of transparency as described by customers
- Low $1,500 principal amount given high APR
Dislike
- High interest rates
- They don’t publish their lending partners so it’s difficult to vet in advance
- Origination fees vary
Online No Credit Check Loan Requirements
While we rank each offer based on 10 criteria, there are some minimum requirements for any offer. If you find a no credit check loan that doesn’t meet these criteria, walk away.
Required criteria for online no credit check loans:
- Maximum principal: $50,000. If a lender offers more than $50k with no credit check, then the rate is likely too high, or you may be looking at a scam. Avoid these. The average on our list is about $13k maximum.
- Loan Structure: loans only exist as fixed-term installments (like mortgages) or revolving facilities (like credit cards). If the lender cannot show one of these, or a slight variant of one, then you may be looking at trouble.
- Interest rate: Payday loans and title loans have the highest interest at up to just under 700% APR, credit cards usually cap around 30% APR, and installment loans should not go over 36% at the highest (some states have no cap, but you should avoid them as 36% is already very high).
- Collateral: you should avoid using collateral at all costs. In some cases such as HELOCs the terms can be favorable, particularly for refinancing. However, no credit check loans with collateral are most often car title loans, where the interest rate is probably higher than any other financing barring payday loans, AND you risk repossession of your vehicle. A good rule of thumb for collateral loans is “25% & 25%” — that is, sty under 25% percent of the value of the vehicle and 25% APR.
- Direct Lender vs Broker: most no credit check loans come from direct lenders, but broker sites exist and take a commission on the sale. Make sure you look at the contract before signing and assure that this commission is not an additional finance charge you have to pay. The lender should cover it.
- Credit Check: this article is about no credit check loans, so you should avoid any that don’t mention this. The one exception is those that may pull a “soft” check on your credit and don’t have a minimum credit score requirement. These are good compromises.
- Application length: applications for these kinds of loans should never take more than 1 hour, and typically only take about 10 minutes.
- Approval speed: due to the nature of “no check” loans, you should receive your decision within minutes if not immediately, which is a critical point. You’re paying higher interest for the speed of the decision.
- Deposit speed: the money should be deposited within 72 hours maximum. If not and the lender doesn’t tell you up front, you may be looking at a scam.
- Cancellation grace period: this is perhaps the most important on our list. High interest loans work because you probably need money quickly, which means you’re under pressure when applying and may not realize what you’ve signed. ANY reputable lender has a no-fee cancellation period, usually a minimum of 24 hours. If not, make sure you’re aware of this before signing.
Eligibility Requirements
While these loans won’t run a credit check on you, there are still eligibility requirements. Here’s what you need to qualify for most no credit check loans:
- Be a U.S. Citizen or resident
- Own a Debit or Credit Card
- Have and active and open checking account for longer than 30s days and with at least 3 deposits
- Verifiable home or cell phone
- Be 18 years old or older
- Have a social security number
- Have a valid I.D.
Common Platforms Mistaken as No Credit Check Loan Providers
Some sites promote the following platforms as no credit check loan providers, whereas in reality they reserve the right to check your credit with the 3 major bureaus, or they’re brokers whose lender partners reserve that right. While you may be able to deep dive into broker sites and find a no credit check loan like with 15M Finance, its not the primary service. You can use this list to prioritize your research.
- ClearViewLoans
- BadCreditLoans
- LendYou
- CashUSA
- PersonalLoans
- Zippyloans
- LifeLoans
- NextDayPersonalLoan
- VivaLoan FundsJoy
Loan Comparison Table
The below table provides a tabular view of the various criteria across each loan on our list as of writing. While some of the data evolve over time and some entries are calculated differently across fields, this view can help you compare the offers side-by-side to choose which is best for you.
| Provider | Name | Rating | Customer Service | Source Type | Loan Type | Origination Fee | Minimum Principal | Maximum Principal | Duration | Loan Structure | Interest Rate (APR) | Collateral | Direct Lender vs. Loan Broker | Credit Check | Application Length | Approval Speed | Max Deposit Speed |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnin | Earnin App Cash Out/Lightning Speed | 9.6 | Very good | App | Neo Cash Advance | $3.99, only for immediate access | $1 | $750 | 2 – 4 weeks | Revolving, fixed fee | 0% | No | Direct Lender | None | Minutes | Same day | Minutes |
| 60MonthLoans | 60MonthLoan | 9.5 | Good | Specialized Lender | Personal | Up to 5% | $2,600 | $10,000 | 3 year average | Installment | 19% – 69% | No | Direct Lender | Soft Check | Minutes | 2 days average | 3 days |
| Petal Credit Card | No Credit Check Credit Card for Purchases | 9.4 | Fair | Repurposed Credit | Neobank Credit Card | $0 | $1 | $5,000 | 25 days | Revolving | 24.24% – 33.75% | No | Direct Lender | Alternative – No Impact to FICO | Minutes | Same day | Same day |
| Prosper | Personal Loan | 9.4 | Very good | Specialized Lender | Personal | 1% – 5% | $2,000 | $50,000 | 3 – 5 years | Installment | 6.99% – 35.99% | No | Broker, Peer-to-Peer | Soft Check | Minutes | 1 day | 1 day |
| King of Kash | “Signature” Loans | 9.1 | Good | Specialized Lender | Personal | 5%, variable | $100 | $5,000 | 12 months | Installment | 35% (estimated) | No | Direct Lender | Alternative – No Impact to FICO | Minutes | Same day | Same day |
| LoanMart | Online Title Loan | 9.1 | Very good | Specialized Lender | Car Title | 5% – $100 | $500 | $50,000 | 1 – 4 years | Installment | 209% Max (Missouri) | Yes | Broker | None | Minutes | Same day | 1 day |
| Citi Secured Credit Card -> Flex Loan | Citi Flex Loan | 9.5 | Good | Repurposed Credit | Personal | $0 | $500 | Varies | 1 – 5 years | Installment | 9.99% + | No | Direct Lender | None | Minutes | 1 day | 1 day |
| Navy Federal Credit Union | Certificate Plege Loan | 9.5 | Good | Traditional Lender | Personal | $0 | $250 | Your Certificate Value | 5 years max | Installment | 2.45% – 6.25% | Yes | Direct Lender | None | Minutes | 6 day average | 1 day |
| OppLoans | Online Personal Loan | 9.2 | Good | Specialized Lender | Personal | $0 | $500, some states higher | $4,000 | 9 – 18 months | Installment | 59% – 160% | No | Both | Soft Check | Minutes | Same day | 1 day |
| 15M Finance | No Credit Check Loan | 9.1 | Fair | Specialized Lender | Personal | Broker, Varies | $100 | $1,500 | 1 – 5 years (check lender) | Installment | 154% – 677% | No | Broker | None (Possible, but you must search lender results) | Minutes | 1 day | 1 day |
| Bridgit App | Brigit Plus | 8.9 | Very good | App | Neo Cash Advance | $9.99/month | $1 | $250 | 2 – 4 weeks | Revolving, fixed fee | 0% | No | Direct Lender | None | Minutes | Same day | 1 day |
| 1F Cash Advance | No Credit Check Loan | 8.9 | Good | Specialized Lender | Personal | Broker, Varies | $100 | $1,500 | 1 – 5 years (check lender) | Installment | 154% – 677% | No | Broker | None (Possible, but you must search lender results) | Minutes | Same day | 1 day |
How to Shop for No Credit Check Loans
1) Credit Checks: During Application vs. During Acceptance
When you’re looking for a no credit check loan, be wary of marketing. Many lenders promote their services as no credit check loans, when the reality is they’re just a broker and cannot control the terms of the final contract. Moreover, be aware of no credit check marketing during the application that become hard inquiries when you are about to accept the agreement. It’s a misleading tactic you should look out for.
2) If you can, stick to loans with legal frameworks: $500 & 6-Months, $2,000 & 2-Years, or $10,000 & 5-Years in 46 Relevant States
The National Consumer Law Center has done a great deal of research for you, tackling state laws and crunching the data to provide you a normalized view of usury rules by state. We used their data to build the visualization below so you know what to expect on three specific installment loans: $500 at 6-Months, $2,000 at 2-Years, and $10,000 at 5-Years.
These are the law, but loans sizes and duration vary. If we change the terms from $500 to $1,200 and the duration from 6 months to 8, then the APR rate can only be found by digging through case law and legislation–not something you want to do when you’re looking for a quick loan.
So, when you can, stick to these well-known loan structures. I think we can take the NCLC seriously when they ramble off philosophical justifications for protecting consumers like this:
“Interest rate caps are more than numbers: they are reflections of society’s collective judgment about moral and ethical behavior. Interest rate caps embody fundamental values.”1
Interactive Map of Rates and Lenders by State
FAQ
Can I borrow money without a credit check?
Yes, you can borrow money with zero credit check. Options discussed in this article include using cash advance apps, secured loans against certificates of deposit or savings, neo-credit cards with alternative credit worthiness scores, and the riskier title loans. That said, many loan providers provide soft check loans that essentially provide the same output: no impact to your credit score and no loan rejection because of your score. Instead, they will use your whole financial profile, including income, to make a decision. We recommend these.
Are no credit check loans safe?
Yes, no credit loans can be safe as long as you know which ones to use and which to avoid. We’ve provided a list of 12 trustworthy lenders in this list.
Can I borrow money with bad credit?
Yes, you can borrow money with bad credit by doing 1 of 3 things: (1) accept a high interest rate, (2) provide collateral, or (3) use existing lines of credit in creative ways. Given the nature of credit worthiness, it’s unlikely traditional institutions will accept you when you have bad credit–thus the creation of no credit check loans.
What can I use personal loans for?
You can use personal loans for a variety of purposes, the most popular of which are debt consolidation, home improvement, business, car/motorcycle/RV/boat purchase, household expenses, large purchase, medical, dental, taxes, vacation, special occasions like weddings, and more.
How do I check my credit score before applying for a no credit check loan?
You don’t need to check your credit score before applying for a no credit check loan, but if you want to check your score regardless you can access a free version at myFICO.com and clicking the “Free” tab in the middle of the page. Here’s a picture showing how to get it:
Can I get a $5,000 loan with no credit check?
Yes, you can get a $5,000 loan with no credit check as long as you’re willing to front collateral or accept an interest rate higher than banks would typically charge. The golden rule for personal loans is 36% APR, which means you should avoid surpassing that threshold unless you’re in a serious bind.
How Do Loans with No Credit Check Work?
Loans with no credit check use alternative factors such as income and banking history to determine your ability to repay the loan, and they apply high interest rates to offset the risk of you defaulting.
What is the easiest loan to get approved for?
While we do not recommend them, the easiest loans to get approved for are Payday loans and car title loans. These structures typically have very high interest rates, and title loans put your car ownership at risk in the case of missed payments.
What is the main difference between a soft and hard credit check?
The main difference between hard and soft credit checks is that hard checks impact your credit report and credit score, whereas soft inquiries do not.
Summary
When you’re in a bind, it can be tempting to accept the first no credit check loan you find, but you may end up paying higher interest than necessary and even forking over ownership of a personal asset like your car.
It’s best to take a deep breath and dig into the various options. We’ve looked at 12 different offers to help you get the best no credit check loans for your needs, and this table summarizes what each is best for.
| Name | Best for… |
|---|---|
| Earnin | Best Simple Solution (Free Advance on Pay) |
| 60MonthLoans | Best Overall No Credit Check Loan (Soft Check) |
| Petal Credit Card | Best Repurposed Credit Option |
| Prosper | Best for Large Loans (Soft Check) |
| King of Kash | Best Mid-Size Loans for Those in a Bind |
| LoanMart | Best for Car Title Loans |
| Citi Secured Credit Card → Flex Loan | Best for Future Lending Needs Planning |
| Navy Federal Credit Union | Best for Those with CDs or Locked Savings |
| OppLoans | Best 60MonthLoans Alternative |
| 15M Finance | Best for Broker |
| Brigit App | Best for Earnin Alternative |
| 1F Cash Advance | Best for 15M Finance Alternative |
Conclusion
Nobody enjoys having debt, but when you carefully consider the options you can maximize your chances of benefiting from the loan. Choosing the right offer allows you to make timely payments, improve your credit score, and fund whatever expenses life throws at you. If you are interested in learning more about pro and personal data and finance, check out the AnalystAnswers homepage!
