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Installment Loans, No Hard Credit Check
No licensed lender offers a loan with no credit check at all. What we offer is the thing people actually want: your real rate with no hard inquiry.
Search results are full of "no credit check loans". We do not offer one, and neither does any licensed lender, because checking whether a borrower can repay is part of what a licence requires. What we offer instead is the thing most people actually want: a way to see your real rate without a hard inquiry touching your credit report.
| Key loan information | Details |
|---|---|
| Loan amount | $500 – $5,000 |
| Term | 3 – 24 months, fixed monthly payments |
| Representative APR | 59% – 199% |
| Credit check to see your rate | Soft inquiry only |
| Hard inquiry | Not used for installment loans |
| Minimum credit score | None |
| Collateral | None |
| Funding | Next business day |
Soft pull, hard pull, no pull
| Soft inquiry | Hard inquiry | No check at all | |
|---|---|---|---|
| Affects your FICO® score | No | Yes, usually a few points | No |
| Visible to other lenders | No | Yes, for two years | — |
| Used by us to quote a rate | Yes | Only if you accept a personal loan | Never |
| Offered by licensed lenders | Yes | Yes | No |
What we look at instead of a score
- Income: how much arrives, how regularly, and from where. Wages, self-employment, benefits and pensions all count.
- Existing commitments: what is already spoken for each month.
- Banking history: a stable account with few returned payments carries real weight.
- Credit history: considered, never the sole reason for a decision, and there is no minimum score.
Who this suits
Borrowers with a damaged or thin credit file who have been declined elsewhere, and anyone rate-shopping who does not want inquiries accumulating on their report. If your score is fair or better, check a personal loan first: the rate is far lower and the soft inquiry is the same.
Eligibility
- 18 or older and resident in a state where we lend
- At least $1,000 a month in verifiable income after tax
- An active checking account in your name, open at least 30 days
- Government-issued ID and a Social Security number or ITIN
Related pages
Bad credit loans · No credit history · Unsecured loans for bad credit · How inquiries work
Frequently asked questions
Do you offer no credit check loans?
No, and neither does any licensed lender, because verifying that a borrower can repay is part of what a lending licence requires. We check your rate with a soft inquiry, which does not affect your FICO score and is not visible to other lenders.
What is the difference between a soft and a hard credit check?
A soft inquiry does not affect your score and is visible only to you. A hard inquiry is recorded when you formally apply, is visible to other lenders for two years, and usually costs a few points.
Is there a minimum credit score?
No. The decision weighs income, existing commitments and banking history alongside your credit report.
Why do some sites advertise no credit check loans?
Because the phrase attracts people who have been declined elsewhere. A lender offering it is either unlicensed in your state or not a lender at all, and advance-fee scams use it deliberately.
Borrow $200 to $5,000 for any purpose
Apply in about five minutes and get a decision in minutes. Checking your rate won't affect your FICO® score.