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Best No Credit Check Loans February 2024

No-credit-check loans may seem convenient, especially for those with poor credit, as they don't require a hard credit check or use your FICO Score and credit history for eligibility. The best no-credit-check loans usually offer higher interest rates and fees, along with ample time for repayment.

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Pros

pros iconEligibility requirements are transparent

pros iconBorrowers with bad credit or limited credit may be eligible for financing

pros iconOffers quick funding for emergencies

pros iconSimple, fully digital loan application process

Cons

cons iconMaximum loan amount may not be enough to cover all emergencies

cons iconNot available in all states

cons iconExact terms and rates not easily visible online

cons iconAlthough there are no hidden fees, rates can be high

“All installment loans are underwritten by WLCC Lending JEM doing business as Explore Credit. Explore Credit is a Native American owned business operating within the interior boundaries of the Pine Ridge Reservation of the Oglala Sioux Tribe, a sovereign nation located in the United States.

WLCC Lending JEM is an entity of the Wakpamni Lake Community Corporation (WLCC), a tribal corporation wholly owned by the Wakpamni Lake Community. The Wakpamni Lake Community is a local municipal subsidiary government under the Oglala Sioux Tribe. WLCC is incorporated under and governed by the laws of the Oglala Sioux Tribe, a federally recognized Indian Tribe, and the regulations of the Wakpamni Lake Community. WLCC operates independently of the Oglala Sioux Tribe. Correspondence should be directed to WLCC. As a tribal government, the Wakpamni Lake Community Corporation is a sovereign corporation and follows all applicable tribal and federal laws. State laws, regulations, and interest rates are not applicable to WLCC Lending JEM DBA Explore Credit or WLCC.

Typically, Explore Credit reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases including, but not limited to, Clarity and Factor Trust and we may pull your credit to determine your eligibility and ability to repay.

Explore Credit does not lend to residents of NY, PA, GA, NC, NJ, VA, MA, MD, AL, CT, AR, WV, NH, SD, AK, VT, Guam, Puerto Rico, and the US Virgin Islands. Availability of installment loans are subject to change at any time at the sole discretion of Explore Credit.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR A LOAN – To help fight the funding of terrorism and money laundering activities, and to comply with Tribal law and the spirit of federal law requiring all financial institutions to obtain, verify and record information that identifies each person who applies for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license number or other identifying documents.

*Certain events or changes to your information may impact your eligibility to receive a loan. If you no longer meet the pre-selection criteria, we may offer you a loan in a different amount or on different terms. If you reside in a state in which we do not provide services, you will be ineligible for a loan.

To obtain a loan, you must have a valid checking account, e-mail address, verifiable identity, and verifiable minimum income. Please Note: Installment loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. Explore Credit will only allow a customer to have one loan at a time.” Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $300-$2K Loan Amount
  • 550 Min Credit
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Key Facts

  • No hidden fees or confusing terms
  • Flexible payment options to fit your budget
  • Financial solutions for bad credit

Pros

pros iconQuick and easy application process

pros iconFixed interest rate and term

pros iconCommitment to customer service

pros iconNo prepayment penalties

pros iconNo minimum credit score

Cons

cons iconHigh interest rates

cons iconRelatively small loan amounts

Disclaimer by OppLoans: Installment loan amounts typically range from $500 to $4,000. APR ranges from 59% to 160%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments would have an APR of 160% and monthly payments of $394.58. Rates and terms vary by state. This is an expensive form of credit, and you should determine whether our product(s) meets your financial needs.

  • $500-$4K Loan Amount
  • 300 Min Credit
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Key Facts

  • Accepts people with poor credit
  • Easy application process
  • Fast funding time

Pros

pros iconFast funding time

pros iconEasy application process

pros iconNo hard credit check

pros iconAccepts people with poor credit

Cons

cons iconHigh APRs

cons iconDoesn’t offer the biggest loan sizes

Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $300-$5K Loan Amount
  • 300 Min Credit
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Key Facts

  • APR: 99%-399%
  • Loan Term: 6-24 months
  • Min Credit Score: 300

Pros

pros iconNext day funding

pros iconDeals with poor credit

pros iconEasy application process

pros iconSoft credit check

Cons

cons iconHigh APRs

cons iconOnly available in certain states

* Loan products only offered to residents of states where permitted by law. To obtain a loan or line of credit, you must apply and have a valid checking account and email address. In some cases we may not be able to verify your application information and may need you to provide certain documents. Funds for loan agreements fully executed by 8pm CT on business days and 3:30pm CT on Sundays are typically sent the next business day. Check with your financial institution’s funds availability policy to learn when it will provide you with access to the funds.

This is an expensive form of credit and not intended to provide a solution for all credit or other financial needs. We will never charge you any “hidden fees” that are not fully disclosed to you. If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. The actual amount and terms of loans and lines of credit vary based on credit worthiness and state law. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

Integra Credit is a brand name used by Deinde Group, LLC, Deinde Financial, LLC, Deinde Online Services, LLC. Integra Credit One, LLC, Integra Credit Two, LLC, Integra Credit Three, LLC, Integra Credit Four, LLC and Integra Credit Five, LLC.

For California Residents: Loans made or arranged pursuant to a California Finance Lenders Law License. Integra Credit Four, LLC dba Integra Credit – California Finance Lender License number 60 DBO88994.

Residents of Arizona, Arkansas, Florida, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, Ohio, Oregon, South Dakota and Texas – Integra Credit branded loans are made by Transportation Alliance Bank, Inc. doing business as TAB Bank.

Residents of other states – Integra Credit branded loans are made by a licensed Integra Credit company.

All loans are serviced by Deinde Financial, LLC.

  • $500-$3K Loan Amount
  • 300 Min Credit

Top Personal Loans with No Credit Check

550

Min Credit Score

$300-$2K

Loan Amount

N/A

Soft Credit Pull

Direct

Lender Type

None

Other Fees

None

Origination Fee

None

Prepayment Fee

48 hours

Funding Time

Pros & Cons

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  • con-icon Eligibility requirements are transparent
  • con-icon Borrowers with bad credit or limited credit may be eligible for financing
  • con-icon Offers quick funding for emergencies
  • con-icon Simple, fully digital loan application process
  • con-icon Maximum loan amount may not be enough to cover all emergencies
  • con-icon Not available in all states
  • con-icon Exact terms and rates not easily visible online
  • con-icon Although there are no hidden fees, rates can be high

Loan Purpose

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  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Vacation
  • Other

Loan Type

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  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans

Explore Credit offers short-term installment loans to borrowers with poor or fair credit. They’re best for borrowers who need funds for a one-time emergency situation.

Borrowers can only take out one loan at a time. After paying off the first one, they can apply for a new one if needed. These loans range from $300 to $2,000, depending on the borrower’s state. They have no hidden fees and can be repaid early without penalty.

OppLoans

Fast Funding & No Min. Credit Score

300

Min Credit Score

59-160%

APR. Fixed Rate

$500-$4K

Loan Amount

9-18 months

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

N/A

Other Fees

None

Origination Fee

None

Prepayment Fee

24 hours

Funding Time

Pros & Cons

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  • con-icon Quick and easy application process
  • con-icon Fixed interest rate and term
  • con-icon Commitment to customer service
  • con-icon No prepayment penalties
  • con-icon No minimum credit score
  • con-icon High interest rates
  • con-icon Relatively small loan amounts

Loan Purpose

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  • Major Purchase

Loan Type

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  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans

OppLoans is a company that focuses on providing personal loans to people who have a poor credit history. This means that people will be able to borrow much-needed funds despite not having the best credit score. In return, the APR that will be charged will be relatively high.

The entire application process for a personal loan is done online, making it quick and easy for people to apply for funding.

300

Min Credit Score

99-399%

APR. Fixed Rate

$500-$3K

Loan Amount

6-24 months

Repayment terms

Yes

Soft Credit Pull

Direct

Lender Type

Yes

Other Fees

None

Origination Fee

Undisclosed

Prepayment Fee

24 hours

Funding Time

Pros & Cons

drop-down-btn
  • con-icon Next day funding
  • con-icon Deals with poor credit
  • con-icon Easy application process
  • con-icon Soft credit check
  • con-icon High APRs
  • con-icon Only available in certain states

Integra Credit specializes in providing personal loans to people who have poor credit. It offers a number of different loan options, each carrying significant rates of interest. That’s why loans from Integra Credit should really only be a last resort and you should be aiming to quickly pay them off.

Rise

5-Day Risk-Free Guarantee

300

Min Credit Score

59.80-299%

APR. Fixed Rate

$300-$5K

Loan Amount

5-36 months

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

N/A

Other Fees

None

Origination Fee

None

Prepayment Fee

1 days

Funding Time

Pros & Cons

drop-down-btn
  • con-icon Fast funding time
  • con-icon Easy application process
  • con-icon No hard credit check
  • con-icon Accepts people with poor credit
  • con-icon High APRs
  • con-icon Doesn’t offer the biggest loan sizes

Loan Purpose

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  • Home Improvement
  • Medical Expenses
  • Other

Loan Type

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  • Unsecured Personal Loans

Rise is an online lender that has its base in Texas. It has been in business since 2013 and has dealt with thousands and thousands of borrowers since then. It places a particular emphasis on providing personal loans to people who have poor credit which is why the APRs tend to be quite high. There is an easy online application process, and the time to funding is pretty quick.