Home Best No Credit Check Loans – Top 9 Sites for Guaranteed Loan Approval
Kane Pepi

Are you currently looking for a guaranteed loan approval, but unable to find a provider because of bad credit?

If so, you should consider a no credit check lender. These types of lenders will assess other areas of your financial profile when deciding whether or not to approve you such as your income, employment status, and history with repaying loans.

If this sounds like something you’re interested in exploring further, continue reading this article and learn about the best no credit check loan offerings in 2021 and how you can improve a bad credit score.

In addition to listing a range of the best providers currently in the market, we also discuss how the end-to-end no credit check process works, and what you need to do to ensure you don’t end up paying extortionate interest fees.

Note: No credit check loans come in a range of shapes and sizes, such as traditional installment loans, payday loans, and unsecured loans. Whichever option you do go with, just make sure that you are confident you’ll be able to meet your monthly repayments.

Reviewers Choice
Loans Angel
Available Loan Amount
$100 - $5,000
Available Term Length
up to 1 year
Representative APR
4.99% - 1386%
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Maximus money
Available Loan Amount
$100 - $5,000
Available Term Length
Up to 1 year
Representative APR
4.99% - 1386%
Visit Now
Available Loan Amount
$ 100 - $ 5,000
Available Term Length
up to 1 year
Representative APR
4.99% - 1386%
Visit Now
Loan Solo
Available Loan Amount
$100 - $1,000
Available Term Length
6 - 9Months
Representative APR
200% - 2290%
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Blue Trust Loans
Available Loan Amount
$100 - $2,500
Available Term Length
9 months
Representative APR
471.76% - 841.45%
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What is a no credit check loan?

No Credit Check LoansAs the name suggests, a no credit check loan refers to a financing application that does not take your FICO credit score in to account.

In fact, when lenders determine whether or not to approve your application, they won’t run a credit check at all.

This is especially useful if you are currently in possession of bad credit, not least because traditional lenders will typically turn you down based on your less than ideal FICO score.

Instead of looking at your credit report, the no credit check lender will look at a number of other factors, such as your income and employment status.

This means that as long as you have a steady flow of income, and the lender is confident you can afford to meet your minimum weekly/monthly repayments, then you should have no issues in getting approved – irrespective of your credit score.

However, this does, of course, come at a cost.

In return for giving you a guaranteed loan approval with a no credit check basis, lenders will charge you a rate of APR that is significantly higher than a conventional bank. In fact, if opting for a no credit checks payday loan, you will pay an average APR rate of 400%.

It is also important to note that some providers charge a surplus of 1,000% APR, so it’s crucial that you understand how much you are paying prior to proceeding with the loan application.

Top 9 No Credit Check Payday Loans [Safe Lenders]

If you’re based in the US and looking to obtain payday loans without having and credit checks, check out the following five providers:

1. Loans Angel | Best for extended loan repayment periods

Loans Angel describes itself as a Team Of Action. A loan platform that’s specially designed to provide a link between borrowers and lenders.

Loans Angel brings together an array of lenders who are willing to avail funds to individuals with a poor or non-existent credit history. Some of its greatest features include the relatively fast loan application form, credit confirmation within minutes, and the equally speedy disbursement of funds – within 38 hours.

The company maintains a wide range of regular and payday loans and high loan limits – up to $5,000

  • Loans Angel doesn't consider your credit score in making a lending decision
  • Enjoy a user-friendly platform and excellent customer support
  • Wide range of lenders offering as much as $5,000 in credit
  • Not guaranteed that its lenders won’t pull a hard credit check
  • It is hard to qualify for the $5,000 maximum loan or the most competitive interest rates

2. Maximus Money | Best for borrowers with poor and non-existent credit history

Maximum Money takes pride in its highly convenient loan application process. On this loan marketplace, virtually anyone regardless of their credit score can apply for a payday, installment, or personal loan of up to $5,000.

The platform maintains a straightforward – 3-step loan application process. Some lenders may, however, conduct a soft query of your credit history that does not affect your credit score in determining the amounts to advance you and at what interest rate.

Our Rating

  • Offers high loan limits at competitive interest rates to individuals with attractive credit score
  • Helps you rebuild your credit report by reporting repayment progress to reference bureaus
  • Easy and wholly online loan application process
  • Charges punitive interest rates and late payment fees to poor credit score borrowers
  • Not everyone qualifies for the maximum $5,000 loan limit

3. IndyLend

IndyLend is a connection site running an online platform that brings lenders and borrowers together. Most of the lenders don’t check your credit score in making the credit decisions, just your ability to pay by looking at your income levels.

Here, you get to benefit from personal loans as low as $100 and in excess of $5,000. Loan application processing is wholly online and relatively straightforward. Ideally you will be matched with several lenders with varying loan terms but the APR typically ranges from 4.99% to 450% for payday loans and between 6.99% to 1386% for the short to medium term installment loans.

Our Rating

  • Access in excess of $5000 near instantly
  • You don’t need a stellar credit score to qualify for this loan
  • Easy and straightforward online loan application
  • No guarantee you will qualify for the $5,000 maximum loan limit
  • Penalizes both late payments and early payments

4. LoanSolo

LoanSolo is a payday loans marketplace connecting borrowers to its large database of lenders. Here, lenders don’t check your credit score but will demand that you provide them with proof of employment and regular income.

The loan application process is wholly online and borrowers get to enjoy speedy approval with same day or the next day funds disbursement. The loan has to be repaid during the next payday and it gets to attract a loan APR of between 200% and 2290% depending on your preferred lender.

Our Rating

  • Fast loan application processing with same day funds disbursement
  • Qualify for loan even with a bad credit
  • Large number of lenders increases your chances of scoring the loan
  • Charges exorbitant loan APR and penalizes early and late payments
  • Low maximum loan limit

5. Blue Trust Loans

Blue Trust Loans is an online lender that specializes in bad credit payday loans. In fact, the lender does not take your FICO score into consideration when you make an application, giving it the title of a true no credit loan provider. You can borrow from just $100, up to a maximum of $2,500. However, if you are applying with Blue Trust Loans for the very first time, you'll only be able to obtain a maximum loan amount of $1,200, with the longest loan duration being set at nine months.

Finally - and as is the case with a lot of no credit check loan providers, Blue Trust Loans operates under local tribe laws, meaning that they have much more flexibility when it comes to charging you interest.

Our Rating

  • Loans of between $100 and $2,500
  • Short-term funding of up to 9 months
  • Same-day funding at no extra cost
  • Expensive APR rates
  • Not available in all US states

6. Zoca Loans

Similar to Blue Trust, Zoca Loans is an online lender that offers no credit check payday loans. The provider also operates under local Tribe laws, so do bear this in mind. The platform offers tribal payday loans in 37 US states, and the application process itself takes no more than 5-10 minutes.

The no credit check lender will allow you to borrow between $300 and $1,000, meaning that it is more suited for a Payday loan-style arrangement. One of the best things about using Zoca Loans is that the application process is conducted with a soft inquiry - meaning that the search won't appear on your credit report.

Our Rating

  • Loans of between $300 and $1,000
  • Same day funding is available
  • Soft credit pull allows you to view the available interest rates without impacting the credit score
  • Very high fees
  • Tribe laws allows high charges for late payments

7. Spotloan

Launched back in 2012, Spotloan is an online lender that offers no credit check loans.

The online platform allows you to facilitate the entire application via your desktop or mobile device, meaning you can find out whether or not you are eligible within minutes.

Loan sizes are somewhat small, with the lender allowing you to borrow from just $300, up to a maximum of $800. You do, however, have between 3 and 10 months to repay the money.

Not only does Spotloan allow you to make an application without it impacting your FICO score, but if approved - funds are typically paid within 1 working day.

Our Rating

  • Sensible loan offering of between $300-$800
  • Fast funding times - either same-day or next-day
  • Application does not have an impact on your credit report
  • Only a select number of US states are eligible
  • Maximum interest of 490%

8. HonestLoans

HonestLoans is a really useful online comparison platform that seeks to find you the best-priced personal and payday loans.

All you need to do is enter your loan requirements, followed by some information about your personal and financial circumstances - and HonestLoans will match you with suitable lenders.

The overarching benefit of using HonestLoans is that the platform does not check your credit score. As a result, your application will be based on other key metrics, such as your employment status, take-home income, and whether you own your home or rent.

Our Rating

  • Loans range from $400 - $50,000
  • Covers both Payday loans and installment loans
  • Very fast application process
  • Not a direct lender
  • Not available in all US states

9. Fast5kLoans

Similar to HonestLoans, Fast5kLoans is a third-party comparison platform that matches borrowers with suitable lenders.

One of the main selling points to using Fast5kLoans is that your application is not posted to the main three credit reporting agencies. In simple terms, this means that the platform will not check your FICO credit score.

When you initially make an application via Fast5kLoans, you will need to enter your personal information, details regarding your current financial standing, and how much you want to borrow. Once you submit the application, you'll be able to see the lenders that are happy to provide you with your desired amount.

Our Rating

  • Extensive number of lenders within its network
  • Loans range from $1,000 - $5,000
  • Suitable for all credit scores
  • Not a direct lender
  • Very outdated website with lots of spelling errors


What will no credit check lenders look for when assessing my application?

No Check Payday Loan GraphicWhen traditional lenders assess an online loan application, they will typically utilize the three main credit rating bureaus.

This includes Equifax, Experian, and TransUnion. The reports available from the previously mentioned agencies contain a vast amount of information on your financial background, such as who you have previously obtained credit from, to what value, and most importantly – whether you have ever missed a payment.

All of this information will subsequently yield a FICO credit rating, which most lenders use to determine whether or not to issue you a loan. 

However, no credit check lenders do not use the main three credit rating agencies when assessing your application. Instead, they will use secondary sources in an attempt to verify the information you provide in your application. With that being said, we have listed the main factors that no credit check lenders will look at when you make an application.  

Your Income

First, no credit check lenders will likely ask that you have a steady flow of income. In the vast majority of cases, this needs to be in the form of regular employment. However, some lenders will consider you if your main source of income derives from other avenues – such as benefits, disability allowances, or pensions.

Your Employment Status

The lender will also want to know what your current employment status is. This covers full-time and part-time employment, as well as self-employment.

Your State

As each state in the US has its own laws surrounding lending practices, the no credit check loan provider will want to know where you are based. In some cases, the lender might not be able to offer you a loan if you are based in a state that prohibits payday loans. In addition, your location can also determine how much interest you pay and whether you need to meet a minimum monthly income requirement.

Repayment History

Although no credit checks lenders will not use the main three credit reporting agencies, they are still likely to use secondary sources to assess your history with credit. This won’t be with the view of obtaining your FICO credit score. Instead, it will be to ascertain whether you have missed loan repayments in the past.

Home Ownership

Most lenders will ask whether or not you own your home, or if you are renting. If it’s the former, this will increase your chances of being approved by the lender, and will likely result in a more favorable APR rate.

What types of no credit check loans are available?

In the vast majority of cases, no credit check loans are available in two main forms – payday loans and installment loans. Here’s what you need to know.

types of loans with a picture of a house, graduation hat, car and office set up

Payday Loan

A payday loan is a type of short-term loan that requires you to pay the funds back when you next get paid.

  • For example, let’s say that on September 4th you receive your monthly salary
  • On September 20th, you are short of cash, so you decide to take out a payday loan
  • You borrow $300 and agree to repay the money when you next receive your monthly salary
  • On October 4th you get paid, and subsequently, repay the $300 you borrowed – plus interest

Installment Loan

An installment loan is a traditional personal loan that is taken out over a longer period of time. An installment Loan typically allows you to borrow more than what a Payday loan would permit.

  • For example, you need to borrow $6,000 to pay for a new car
  • You use a no credit checks lender and agree to repay the money over 5 years
  • Every month, you make a fixed repayment, which includes your APR interest
  • After 6 years of meeting your monthly repayments, you have settled the debt in full   

How can I get a no credit check loan online?

In a nutshell, the no credit check loan process works in much the same way as any other lender operating in the online space.

Nevertheless, if you’ve never gone through the process before, we’ve listed the main steps that you need to follow below.

money bags on scales

Step 1: Find a no credit check lender

You will first need to find a no credit check lender that meets your individual requirements.

Further up the page, you’ll find the best five no credit check lenders currently operating in the space.

Step 2: Start the loan application

Once you have settled upon a preferred loan provider, it’s time to start your online application.

Initially, this will require you to choose how much you want to borrow, and for how long. Next, you’ll then need to enter some personal information.

This will include your full name, home address, telephone number, date of birth, social security number, and if applicable – your driver’s license number.  

a pen signing a document with an arrow to a money bag

Step 3: Enter your financial information

Although you don’t need to enter details pertaining to your FICO credit rating, you still need to let the no credit check lender know what your financial standing is like.

Typically, this will include your current employment status, monthly income, home ownership status, and whether you currently have any other loan products outstanding.

Step 4: Assess your loan offer

Once you’ve completed the loan application process – which typically takes no more than 5 minutes, the lender will then let you know whether or not you have been approved.

If you have, you will then get to view your loan offer on-screen. This will include your APR rate, and whether or not you need to pay an origination fee.

Note: An origination fee is the fee charged by no credit check lenders to cover the cost of arranging the loan. Not all lenders charge one, but when they do, it can cost as much as 5% of the loan amount.

a hand holding a money bag

Step 5: Enter your bank Acount details

The final stage of the no credit checks loan process is to enter your checking account details.

This needs to be the bank account that you want your loan funds deposited into, which will also be required to set-up an automatic debit agreement on. This needs to be the bank account that you plan to make your repayments from. 

Finally, once all of the above has been completed, you should receive your loan funds within 1-2 business days, depending on the loan provider in question.  

Pros and cons of no credit check loans


  • Lenders do not use the main three credit reporting agencies
  • Perfect if you have poor to bad credit
  • Applications do not impact your credit profile
  • Hundreds of lenders to choose from
  • Rebuild your credit profile by always paying on time
  • 5-minute online application process
  • Funds typically received within 1-2 business days


  • APR rates can be super high
  • Late payment fees will be charged if you miss a payment

How we ranked these no credit check loan lenders

  • How much APR the lender charges
  • How much you can borrow
  • How long you have to repay the money
  • How frequently you are required to make repayments
  • Whether an origination fee is charged
  • Whether you can repay the loan early without being penalized
  • How quickly you are likely to receive the loan funds
  • Eligibility requirements

Guaranteed Approval No Credit Check Loans

Of the providers that we have reviewed, there are several that will not perform a hard credit check and fewer that will also guarantee you a loan. Blue Trust Loans are one of the elite group that truly holds the moniker ‘guaranteed approval no credit check loan’ provider. They don’t look at your Fico score, but you build a reputation with them over time. The first time you borrow from this provider the limits will be low and the payment term will be fairly short.

Zoca loans are another option for both no credit checking and guaranteed approval, but beware fo this tribal lender as their interest rates are not governed by state law and therefore can be exorbitantly expensive.


In summary, with banks and traditional lenders getting stricter and stricter on who they lend money to, obtaining financing with bad credit is no easy feat.

However, the good news for you is that there are now a substantial number of online lenders that will consider your loan application without checking your credit.

As such, no credit lenders will instead look at other key metrics tied to your credit profile, such as whether you are in full-time employment, and how much you earn each month.

Ultimately, although obtaining a no credit check loan is relatively simple, you still need to ensure that you have the required funds to repay the loan back in full – each and every month.

Not only are your respective APR rates likely to be sky-high, but the late or missed payment fees can be crippling.

Apply for a Payday Loan Now! | Best Payday Lender 2020

Our Rating

Viva payday loan app company logo
  • Loans From $100 to $15,000
  • Instant Application & Approval
  • Bad Credit Considered
  • Lenders From All 50 US States Onboard
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Glossary of Loan Terms


💸 How does no credit check loan work?

💸 How do I apply for a no credit check loan?

💸 How much APR will I pay on a no credit check loan?

💸 What happens if I miss a payment?

💸 Is it risky to obtain a no credit check loan from a Tribal lender?

💸 Will I receive a hard Inquiry of my credit rating?

Types of Loan – A-Z Directory

Kane Pepi

Kane Pepi

Kane holds academic qualifications in the finance and financial investigation fields. With a passion for all-things finance, he currently writes for a number of online publications.