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We know getting a no-credit-check loan can be challenging, especially if you focus on the traditional banks alone. During the pandemic, many people lost their jobs, and it has become extremely challenging to get loans during these uncertain times. As a result, most people have bad credit scores, which hinders them when applying for a loan. 

Furthermore, that’s why you should be searching for a no-credit-check loan that could help you in a time of need. However, where do you get a no-credit-check loan? This article will explain more about how and where to get this type of loan below. But first, let’s review the basics.


What Is a Credit Check?

A credit check is an action that a lender takes to see whether a borrower qualifies for a loan. Most lenders prefer to lend their money to individuals with credit scores of 650 and above.

A lender can either conduct a soft credit check or a hard credit check. When a lender performs a soft credit check, it means that they want to see whether you can qualify for any loan. Therefore, soft credit checks do not impact your credit score.

On the other hand, a hard credit check includes a thorough examination that can hurt your score if you do it repeatedly. However, a lender cannot conduct a hard credit check without your authorization. Therefore, before you enquire to get a hard credit check, ensure that you understand your current credit status.

Even if there’s no credit check completed for the loan, lenders still use some eligibility criteria to qualify you for a loan.


What You Need to Get a No-Credit-Check Loan in the United States

  • You must have a valid email address since many applications you will make applications online
  • You must provide an actual residence address
  • Lenders need you to prove that you receive a regular income 
  • You must be more than 18 years of age 
  • Your legal identification documents

Where to Get the Best No-Credit-Check Loans in the United States

1. Viva Payday Loans

Viva Payday Loans is a lending site that links borrowers with potential lenders who will help them get instant payday loans with no credit check in shortest time. I like Viva Payday Loans because they give you a decision within 2 minutes. Therefore, if you need some fast cash for an emergency, Viva loans are the place to go.

On Viva Loans, you can get loans starting from $100 to $5000 with a maximum repayment term of 24 months. The APRs range from 5.99% to 35.99%. That is low compared to some other roadway loan lenders. I also like this site’s lenders because they don’t run hard credit checks on the borrowers.

2. Personal Loans.com

Personal Loans is a site like Viva Payday loans. They are not direct lenders but link borrowers with direct lenders who give them the loan they need.

On Personal Loans, you can access loans starting from $1000 to $35000. Their APRs range from 5.99% to 35.99%. If you take a loan on this site, the lenders also do no-credit-check loans. 

If you need a loan that you will pay for an extended period, you should consider this site because they will let you pay the loan for up to six years.

3. MoneyMutual Loans

MoneyMutual is another site that links borrowers with potential lenders. On this site, you can access a loan starting from $200 up to $5000. The good thing is that the lenders here do not run credit checks as well. Therefore, all credit scores can access no-credit-check loans here.

The APR on this lending site rotates between 5.99% to 35.99%. So, if you have a good or excellent credit score, you can get a loan at a low-interest rate. The loan repayment terms can range from three to 24 months, suitable for such loan amounts.

4. CashUSA Loans

Like the sites mentioned above, CashUSA is still another site to get loans with no credit check in the United States. With the CashUSA site, you can access loans starting from $500 to $10,000. 

In addition, the APRs range from 5.99% to 35.99% on this site’s lenders. The repayment terms on this site can extend up to 72 months.

5. BadCredit Loans

As the name suggests, you can get a loan here with a bad credit history. They also do not run credit checks. BadCredit Loans doesn’t represent a direct lender, but you’ll meet with potential lenders without going to each one of them. 

With this site, you can get loans starting from $500 to $10,000. In addition, the APRs still range from 5.99% to 35.99%. The loan repayment terms can go up to 72 months.

Final Thoughts

If you have a bad credit score, you can still get a loan. However, I would advise you to get a loan that you can pay without compromising your credit score further. However, the best blueprint to financial freedom is creating more and more income streams.