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No Credit Check Loans

No worries about bad credit with us!

  • Get Approved Even with Poor Credit
  • No Hard Credit Check by Lenders
  • Fast and Safe Way to Get the Cash

No Credit Check Loans – Since We Made It Possible!

It can be discouraging being turned down for a loan because you have bad credit or no credit. It is even more discouraging when you realize that the credit checks carried out by lenders before they reject you are negatively affecting your credit score. What if there was a way you could apply for a loan with no credit check? That is what no credit check loans allow you to do!

What are Loans With No Credit Check?

No credit check loans are small online personal loans provided by private direct lenders to borrowers without checking their credit history via major credit bureaus. The main eligibility criteria for no credit check loans is the borrower’s income and their ability to repay the loan. Thus, lenders are still checking borrower’s financial background via alternative ways and databases. Such process is called a “soft credit check”, and doesn’t affect a traditional credit score, leaves no marks in borrower’s credit report.

Who Should Apply for Loans With No Credit Check?

If you have a poor credit history, your chances of being approved for a traditional loan are low. Worse, if you keep applying, you can repeatedly damage your credit score. This makes your credit history even worse. For customers in that situation, and for those who have an unexpected financial need, it makes much more sense to apply for no credit check online loan. The chances of loan approval with our private direct lenders are much better! Also, they don’t perform a traditional credit check through the three major bureaus, as a result, applying for a loan will not be seen on your credit report!

Hard Credit Checks

A hard credit check, or a hard pull, is how traditional lenders run your credit. Such requests will be seen in the borrower’s credit report, and too many of them can be a red flag for lenders. Numerous hard inquiries may lower your score and also may be a sign that you have serious financial difficulties. PayDayAllDay recommends using such lenders as a last resort only!

Soft Credit Check

Soft credit inquiries do not work this way. Also known as an “alternative credit check,” it allows a lender to check your financial background without damaging your credit score! Soft credit checks don’t leave any public marks on your credit report and are visible only to you. PayDayAllDay operates the network of regulated and reliable lenders, that perform alternative credit checks only!

No Credit Check

Some unregulated and suspicious companies may advertise that they provide loans without ANY credit checks. It’s highly recommended to avoid such companies because it’s a true sign of a financial scam! You may report such illegal activity using our contact form. Your request will be promptly forwarded to the authorities.
Here at PaydayAllDay, our lenders use soft credit check just to verify your identity, while also looking at income and bank account information. This allows them to approve customers who might be rejected through a hard credit check while protecting those customers’ credit scores. This also makes it possible for customers applying for loans through our site to qualify for more competitive rates and reduce the negative impact of their bad credit!

What Types of No Credit Check Loans Are Available?

PaydayAllDay allows you to apply in minutes for any of the following types of loans without hard credit checks:
  • Payday loans: These are short-term loans which you pay back by your next payday. They usually range from $50 – $1,000.
  • Installment Loans: provides larger amounts and more time to pay it back. These typically range from $150 up to $5,000. You pay them back in fixed monthly installments, usually over 2 to 24 months.
  • Personal Loans: For lowest rates, larger amounts, and the longest repayment period consider personal loans without a credit check. Typically, you will have anywhere from 90 days to 60 months to repay your personal loan.
In all cases, the maximum amount you can borrow will be determined by the regulatory cap in your state and the lender.

Safety Warnings About No Credit Check Loans

When you need cash fast, and traditional lenders are turning you down, it is easy to feel desperate and to accept the first loan offer you receive. But it is important to be aware that there are predatory lenders out there looking to take advantage of customers with poor credit. These lenders may not run a credit check at all, but they will charge exorbitant interest, fees, and loan terms. That is why we partner only with reputable lenders that run soft credit checks. These lenders are willing to consider customers with bad credit, but their interest rates and fees are in line with industry standards for these types of loans. They do not resort to predatory practices.

No Credit Check Loans Requirements

We have a few basic requirements for customers applying for loans. These requirements help our lenders to run an alternative screening of loan applicants. To apply for a loan on our site, you must:
  • Be 18 or older.
  • Be a US citizen.
  • Have an active checking bank account.
  • Active phone number and e-mail address.
  • Provide documentation to prove your income.
Meeting these basic requirements will not guarantee loan approval. Personal loans lenders may ask for extra documents before making a final decision. The correct details will highly increase your approval chances! The terms for loan repayment will depend upon the specific offer you accept. All of our lenders operate with the same transparency we do. You will be made fully aware of the interest and fees you can expect and the timeline for repayment before you accept any loan offer.

Loans No Credit Check Application Process

  • 1

    Fill out the loan application form

    It's easy and will take you only 3 minutes!

  • 2

    Details are sent to the lenders

    Lenders will run a soft credit check that will not affect your credit score.

  • 3

    Get an offer

    If you are eligible, one of the lenders will send you a loan offer.

  • 4

    Review the offer and sign it

    Check the terms and conditions, rates, fees, and penalties for the loan.

  • 5

    Get the funds

    Lenders will transfer funds to a provided bank account in one business day.

Our Soft Credit Check Loan is a Better Choice

Lenders from our nationwide network run a soft credit check instead of no credit check! The lenders consider your income and banking history, not just your credit score! They always see your personality behind the numbers! Also, the lenders provide unsecured loans, and collateral is not required!

What Makes Us Different

PaydayAllDay has made it its mission to provide customers with a viable route to fast, reliable funding. By offering our customers access to a network of trusted lenders, we are doing our part to protect consumers from predatory lending schemes. Participating lenders perform soft credit checks, instead of no credit checks! We have helped thousands of clients and we can help you!

Apply For a Personal Loan Today

With a soft credit check

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You must read and agree to Terms, Privacy Policy, Rates and Fees before submitting a loan request.

Customer Notice

Unsecured personal loans are subject to state regulations, approval by the lender, and eligibility. The APR for a personal loan is contingent on a variety of factors including location, lender, the amount borrowed, fees, and terms. A single personal loan term ranges from 2 to 60 months, this is a long-term affordable financial solution. Missing payment or incomplete payment may have a negative effect on credit score and overall financial status. Customers with credit difficulties should seek consumer credit counseling.