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2024’s best no credit check loans from trustworthy lenders, based on APRs, fees and more. See WalletHub’s picks for the best no credit check loans.
No-credit-check loans, touted as quick financial solutions, can be offered by predatory lenders. These lenders can trap borrowers into a debt cycle.
Cash advance apps, “buy now, pay later” companies and high-interest installment lenders all provide loans without a hard credit inquiry.
OppLoans tops our list of best personal loan lenders with no credit checks because it doesn't charge origination fees and offers same-day funding.
To identify the best no credit check loans with fast funding, WalletHub’s editors looked at offers from some of the largest lenders on the market. We compared these lenders based on six overall categories: APRs, loan sizes, fees, loan requirements, transparency and the application process.
The best direct lender with no credit check is 60MonthLoans. The company does not do a hard pull of your credit history, and it has loan amounts of $2,600 - $10,000, an APR range of 19.09% - 35.83% and repayment periods of Up to 60 months.
If you need a personal loan with no credit check, you’ll need to narrow down your search to lenders that offer them. Although you can apply for a no-credit-check loan in person at brick-and-mortar payday and cash advance lenders, avoid them.
No credit check loans are available from payday and installment lenders and cash advance apps. And while your credit score doesn’t matter, you still need to show some type of income to qualify for a no credit check loan.
1. MoneyMutual. Short-term loans up to $5,000. Online marketplace of lenders. Funds available in as few as 24 hours. Simple online form takes less than 5 minutes. Trusted by more than 2 million customers. Not available in NY or CT. See official site, terms and details. Overall Rating. ★★★★★. 4.8. MoneyMutual.
Borrow cheaply without a credit check. Payday alternative loans from credit unions deliver funds fast.