Best No Credit Check Loans of August 2022

Best No Credit Check Loans Comparison
 

Lender
APR Range
Origination Fee
Loan Amounts
60MonthLoans

19.24% – 69.5%

0% – 6%

$2,600 – $10,000

OppLoans

59% – 160%

$0

$500 – $4,000

Integra Credit

99% – 300%

$0

$500 – $3,000

Tips for Getting a No Credit Check Loan

Compare your choices carefully

No credit check loans can be very expensive compared to other personal loans, so it’s ideal to try to minimize your APR and fees. You’ll also need to find a lender that offers enough funding for whatever your expense is. No credit check lenders typically offer a few hundred to a few thousand dollars.  

Get pre-qualified

Even though applying for a no credit check loan won’t affect your credit score, it’s still a good idea to get

Pay off your loan as quickly as possible

No credit check loans typically have relatively short payoff periods because the loan amounts are small. However, you should consider paying back your loan even faster than you’re required to, if you’re financially able to. This will minimize the amount of costly interest charges you’ll have to pay on the loan.

Consider alternatives

No credit check loans aren’t the only options for people with bad credit. There are a few lenders that do check your credit that offer

Another option is to borrow money from a friend or family member, as these people won’t be able to do a credit check when giving you a loan, and may not be concerned about your credit score.

Methodology

To identify the best no credit check loans, 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. We then selected the loans that were best for certain types of consumers, like people who need the money quickly or people who want to minimize the loan’s costs.  

No credit check loans can be very expensive compared to other personal loans, so it’s ideal to try to minimize your APR and fees. You’ll also need to find a lender that offers enough funding for whatever your expense is. No credit check lenders typically offer a few hundred to a few thousand dollars.Even though applying for a no credit check loan won’t affect your credit score, it’s still a good idea to get pre-qualified with several lenders first. This will let you estimate your rates before you apply.No credit check loans typically have relatively short payoff periods because the loan amounts are small. However, you should consider paying back your loan even faster than you’re required to, if you’re financially able to. This will minimize the amount of costly interest charges you’ll have to pay on the loan.No credit check loans aren’t the only options for people with bad credit. There are a few lenders that do check your credit that offer unsecured personal loans to people with credit scores as low as 585. You can also consider getting a secured loan (which requires collateral) in order to get even better terms.Another option is to borrow money from a friend or family member, as these people won’t be able to do a credit check when giving you a loan, and may not be concerned about your credit score.To identify the best no credit check loans, 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. We then selected the loans that were best for certain types of consumers, like people who need the money quickly or people who want to minimize the loan’s costs.