How often have you wanted to borrow some funds but changed your mind quickly because of the credit check? Not everyone wants to go through that rather unpleasant experience, and that's okay.
Because of this, people do not even consider applying for a loan, so they get into even deeper financial troubles. And usually, that is when the real problems start. People still think that if you have a low credit score and do not want a credit check performed on you, that's it. Game over.
But unfortunately, what many people do not understand is that you can still borrow a hefty amount of money without a credit check getting performed on you. So if this sounds like something you might be interested in and want to find out more about, then this article will, without doubt, be of great help as we suggest to you the best no credit check loans companies.
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In 2010, the MoneyMutual lending platform was established, and that same year it became the number one lending platform in the US. Driven by the statistics that 40% of people in America do not have $400 for a financial emergency, this lending platform rose high to provide financial aid to those who desperately needed it.
Since then, MoneyMutual has been the leader amongst the lending platforms and, we can undoubtedly say, the most trusted lending platform for over a decade. By offering solutions for clients' financial difficulties in combination with their long-term professional experience, MoneyMutual is growing and expanding its network of clients every single day.
Moreover, we must mention the person who lifted this company to a higher level, Montel Williams. As MoneyMutual's spokesman, he inspired a whole generation of people to live their life to the fullest and without any limitations that the finances might cause.
And lastly, we want to mention that MoneyMutual is a proud and well-respected member of the Online Lenders Alliance. This means that when you decide to borrow money from here, you get an automatic guarantee of the legitimacy of this lending platform.
Features
Simple conditions
Being the number one lending platform in the industry, MoneyMutual did everything possible to refine and restructure the application conditions so that anyone can apply for a bad credit personal loan. By simplifying the conditions, you can apply for a loan online, everywhere, and anytime you want.
Also, thanks to the basic fill-out form, you can finish the application process in no time. Lastly, we want to mention that these simple conditions are an enormous relief because you can apply for a loan 24 hours a day, seven days a week.
Diverse loan types
Unlike the other lending companies where choosing amongst different types of online loans is a luxury, with MoneyMutual, you can forget about that. This platform offers various types of online loans so everyone can find what they are looking for. Moreover, by having different loan options, clients can pay greater attention to the loan details and, therefore, adapt the loan conditions to their needs as much as possible.
Payday loans
If you are someone that has a pretty busy life and does not need another due date to think of, these types of loans might be perfect for you. Moreover, if you are borrowing an amount of money you can easily pay back, payday loans and no credit check loans are definitely what you are looking for.
You will need to provide a checking account and give the lender authorization so that when your payday comes, they can automatically withdraw the amount of money you have previously agreed upon.
No-fax bad credit loans
Keeping up with technological advancements, MoneyMutual made it possible for their clients to apply for a loan online without the need for the old fax machines that might be a nightmare for everyone.
Thanks to the option for an online application, you can finally say goodbye to the line waiting and endless paperwork you would be required to fill out in a bank or pawn shop. This way, you get a convenient application method that does not require more than five minutes of your precious time.
Installment loans for bad credit
This type of loan is great for everyone who needs to borrow a larger amount than they can pay back. If you choose the installment loan, get ready to encounter a few potential benefits.
First, you can pay the borrowed money back for a few months to a few years. This means that you will not have to stress yourself out about whether you will be able to pay the loan back or not. Second, with these types of online loans no credit check, you can usually negotiate with the lenders regarding the loan's terms and conditions.
So no matter your financial situation, you will be able to take a loan adapted to your needs and possibilities.
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When we say Bad Credit Loans, we immediately think of a reputable, one-in-a-kind, transparent, and inclusive company. As this platform's name speaks for itself, Bad Credit Loans specializes in providing online loans to people with poor credit scores without doing any credit checks.
So if you decide to borrow funds from Bad Credit Loans, get ready for the widest lenders network ever. Since its establishment in 1999, this company has signed deals with numerous legitimate and reputable lenders that are the best in their business. Thanks to this wide lender network, you will be matched to the right lender for you in no time.
Another essential thing to mention is that Bad Credit Loans cooperates with Tribal lenders, so if you are interested in borrowing money from them, this would be your chance to do that. Just be aware that these lenders usually have higher fees and taxes because of the Tribal laws they work under. So, there is not one bad thing we could say about this lending company. What else makes Bad Credit Loans great, you will be able to read in the continuation of this article.
Extra services
Worry not if Bad Credit Loans cannot lend you money or connect you to a suitable lender. This brand ensured not to let any potential or established clients leave without the desperately needed money. That's why, if by any chance you find yourself in this situation where your loan application is rejected, Bad Credit Loans has your back. When your application is rejected, this platform will immediately offer you additional financial services and products regarding your financial needs and possibilities.
If you decide to accept any of these finance-related offers, they might be able to help ease your financial struggles and guide you on what you can do next. Also, if you need some financial aid regarding debt relief, bad credit personal loans, car title loans, or even credit relief, we recommend you consider these super helpful additional services.
Simple eligibility requirements
Because Bad Credit Loans goal is to financially help as many people as possible, its team made sure to design and adapt the loan requirements in a way that almost anyone can be eligible to apply for a loan.
Therefore, the loan application requirements are ridiculously simple, and even people with the worst credit score have a high chance of being accepted to borrow money from this company. So, in addition, let's see what requirements you need to fulfill to be considered eligible for a loan.
First and most important, you must be 18 years old or above and a US resident. Second, you will need to provide evidence that you are employed and have a regular and stable income source. And third, you will need to provide valid phone numbers, home addresses, and email addresses.
Pros
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Over millions of clients have put their trust and faith in RadCred's hands. That's because this lending platform is the most trusted, reputable, and respected one in the lending industry. With an increasing number of clients daily, RadCred does everything possible to keep first place in the United States' lending industry. What people love about this platform is that its services are fast and reliable, and they always meet clients' expectations.
Moreover, we couldn't help but mention the super-quick application process and the fast fund deposition. Thanks to the effort RadCred put into their application conditions, you can apply for a loan from the comfort of your home anytime you want. And lastly, we must mention the care RadCred puts into collaborating with local lenders.
By doing so, you can see that this brand is oriented towards clients and employees. They want to give an equal chance for success to absolutely everyone. So if you feel safer working with local lenders, RadCred might be the right platform for you.
Instant money transfer
When you apply for a loan in a bank or pawn shop, there is always that long period before you can get your hands on the funds. But, thanks to RadCred's highly efficient brand, you will have the money deposited in your checking account in no more than 24 hours. So if you have a limited time frame in which you must get that amount of money, with RadCred, you can rest assured that you will get them very quickly.
In addition, the maximum amount of funds you can borrow from this lending platform is $5,000, which is significantly more than the other lending companies offer. So whatever financial need you have, RadCred will offer the quickest solution possible.
Straightforward application method
The application process RadCred offers might be one of the quickest and easiest you will ever see. With a goal in mind, to save you time from unnecessary filling out millions of documents, RadCred simplified the application process to the extent that you will need only five minutes to fill out the online application form. So let's see which step you will need to go through to be able to apply for a loan at RadCred's.
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What makes CashUSA different from other lending platforms is its wide lenders' network. Thanks to the magnitude of this network, CashUSA's team can connect many more people to lenders in a shorter period. This way, they can serve twice the clients compared to other lending platforms with minimal lenders networks. Using this grid, the chances of you getting matched to a perfect lender for you are 100%.
Moreover, another outstanding feature worth mentioning about CashUSA is that they do not perform credit checks, so if that was the thing bothering you most, you can take a deep breath and relax. CashUSA can be an excellent choice for everyone in a financial situation because they managed to fix the APR rates to vary from 5,99% to 35,99%.
By doing so, anyone can apply for a payday loan and negotiate APR rates and conditions on their loan. Finally, we want to inform you that on CashUSA's platform, you can apply for up to $10,000, so we are sure that you will be able to cover any financial expenses that might come your way.
Basic eligibility requirements
To be able to apply for a bad credit loan on CashUSA's platform, you will not need to fulfill hundreds of requirements. Their simple requisites are the best proof of how much this company cares for its clients and does everything in its power to be able to provide financial aid to as many people as possible.
These requirements were specifically created so that they can be met by the majority of people with a poor credit score or are in an overall bad financial situation. In continuation, you can read which requirements you will need to fulfill to get eligible for an unsecured loan.
First, you must have a checking account in your name. Second, you need to be over the age of 18 and a permanent US citizen. Third, you will need to provide evidence that you are employed and have a constant and regular source of money income. And lastly, you will need to provide a valid phone number and a valid home and email address.
Useful additional offers
If you find yourself in a situation where you will not be eligible to apply for a loan or your loan application gets rejected, CashUSA has your back. The moment your application gets declined by the lenders, CashUSA comes forward and presents you with numerous additional offers and services that might greatly help relieve your financial burden.
These additional services can also be offered to someone whose application got approved but is still unsatisfied with the complete offer and needs some extra financial aid or guidance. So no matter which of these two groups you belong to, CashUSA will take great care of you and ensure that you are 100% satisfied with their services.
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Personal Loans' uniqueness lies in the fact that they are the platform that offers the highest amount of funds available to borrow. So if you need more funds in a shorter time, Personal Loans offers loans between $1,000 up to $35,000, which makes them the number one lending platform.
This is the most money you can borrow in the US lending industry. So thanks to Personal Loans' trust in clients and their generosity, you can finally end the financial troubles that have been giving you headaches and constant stress.
On top of this, to help their clients, even more, this platform offers repayment time that can vary anywhere from 90 up to 72 months. So you will have plenty of time to pay your loan back and maybe even improve your bad credit score situation.
Lastly, we want to say a great appreciation for the APR rates that Personal Loan offers. As their rates can go anywhere between 5,99% to 35,99%, you can be sure that everyone can afford to take a loan from them and successfully pay it back without any negative consequences.
100% convenience
One of the primary goals of Personal Loans is to be as time-efficient as possible. To achieve that, its team made sure to work on making every aspect of its functioning to be time-saving. Therefore, three main factors make Personal Loans one of the most convenient and time-efficient companies.
First, by utilizing a wide network of lenders, they can match their clients with a lender twice as fast as other lending platforms.
Second, thanks to the opportunity for an online application, you can apply for a loan anywhere and anytime you want. You get to choose when is the most convenient for you as Personal Loans services are available 24 hours a day. And third, due to the application process lasting less than five minutes, you save much of the precious time you would otherwise spend on endless paperwork.
The fast application process
As Personal Loans is a customer-oriented company, they have implemented a very simple and online, three-step application method through which its clients can apply for a loan in only a few minutes.
Most importantly, the clients will have their hands on the funds in less than 24 hours, which makes this process express. Let's see the three steps that make the Personal Loans application process.
Application form
First, you need to visit the Personal Loans website and fill out the online application form. As this form is simple, you will not need to enter tons of information.
The customer experience section should be the first thing you do before applying for a loan. By doing so, you can read real people's experiences regarding the company, service, or product you plan to purchase. This is the best way to check and make sure that the goods you plan on purchasing will work for you and meet your criteria and desires.
Also, by checking this section, you can save yourself a lot of money as you will not be spending them on goods you decide will not work for you based on the hundreds of people's reviews.
A common mistake people make during taking a loan is that they only see the terms and conditions of the loan without considering their own. So when they seal the deal, they encounter problems and concerns regarding the loan.
That's why, although it is of great importance to find a lender with simple eligibility terms, the loan is a two-way deal, so you will need to consider your requirements too. And when we speak about lenders' eligibility terms, the simpler the terms, the higher your chances for your loan application to get approved.
Interest rates might be the trickiest part of the loan, so you always need to pay extra attention when attending to this matter. It is widely known that interest rates can differ from lender to lender. Lenders have established and offered their interest rates according to their loan conditions.
It's a smart move to check thoroughly every lender's website and compare the interest rates they offer. By doing so, you will be able to find the best loan deal for you. Moreover, you should be aware that the interest rates can often change depending on your credit score, conditions of the loan, the type of loan you apply for, the lender itself, etc.
If you are interested in taking a loan but you are not currently employed, you will need to provide proof that you have a regular money flow. For the lenders to be able to ensure that you will pay your loan back, you must have some kind of income.
Your income source might come in the shape of student aid, child support, annuity, property rent, pension, government payments, alimony, investment, etc. So as long as you have a stable and reliable income source, you are eligible to apply for a loan.
Before you borrow money, you always need to do your math first to see how much you need, how much you can pay back, and based on that, how much money to borrow. You should never borrow more than you need. Stick to the exact amount of funds you need so you do not put yourself at additional financial risk.
The short answer is no. Even though you meet the requirements, that is not a guarantee that your loan application will get accepted. That's why you need to look for brands with the simplest application conditions, just like the five brands we offer. With those kinds of lending platforms, the acceptance chances are much higher.
Thanks to this article, you can read about the five best lending platforms offering no credit check loans & bad credit loans in the US. Also, thanks to the super informative buying guide section, you can feel confident with knowledge when you apply for a loan.
So, all that's left to do is for you to choose the lender from our list that suits you best, apply for a loan, and finally start living your life without the constant money stress.
Disclaimer: The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only.
Disclaimer: This article is published in association Blue Ribbon Media and not created by TNM Editorial. Please do your own research before applying for loans from the above services and seek independent legal/financial advice if you are unsure.