Online Installment Loans No Credit Check

Get started now
  • Quick application
  • Instant approval
  • No credit check
  • Same Day Cash

You need

Personal Information

Personal Information

Additional Information

Additional Information

Your Transfer Details

Your Transfer Details
Need help? Use our ABA lookup.

Your data is secured using industry standard for the site information security. Your ABA/Routing number can be found on most bank statements as well as on the bottom of your checks.

Privacy & Security protection

By submitting your information you claim you have read and understood and agree to Privacy Policy, Terms of Use, Responsible Lending and Marketing Practices

4 easy steps

  • 1 It’s fast and easy to apply
  • 2 Lenders guarantee instant approval online
  • 3 The money can be funded same day
  • 4 Instant loans are available for any credit type

apply now

Online Installment Loans No Credit Check

If the banks refuse to give you a loan, use a non-bank installment loan without a credit check. The loan companies that offer them assess the financial situation of their clients much more gently than banks. Therefore, you have a chance to get a loan even when you have a low income, you are listed in the databases or you do not have a permanent employment contract. Check where you can use installment loans without creditworthiness and what to consider when choosing an offer.

Why do I need credit capacity?

The basic condition for taking out a loan is having creditworthiness.

It is required by both banks and non-bank loan companies because this concept means nothing else than the borrower's financial ability to settle the loan within the prescribed period. Before granting a loan, each institution must assess such a client's capabilities to make sure that it will recover the money they have borrowed.

Creditworthiness depends mainly on the amount of income and liabilities. To put it simply, the more you earn and the fewer expenses you have, the better your ability to repay the next loan will be assessed by the lender. Is it possible to take advantage of a loan without a credit check? Yes, but only under certain conditions, which we will discuss in more detail later in the text.

How do non-bank companies check your credit?

As we already mentioned, non-bank companies also check creditworthiness, but they do it in a "more customer-friendly" manner, as they take into account several of the most important factors. Most often, the client is checked for:

  • the amount of earnings - their source is less important,
  • the number of active loans and credits - most loan companies accept up to a few active loans,
  • When assessing creditworthiness, loan companies usually rely on internal scoring, in which additional criteria may also be taken into account, e.g. the borrower's age, number of dependents, or place of residence (it affects the cost of living).

Are installment loans without credit check more expensive?

Non-bank companies that grant loans on the basis of a cursory assessment of creditworthiness bear greater risk than banks because they have less confidence that customers will return the money they borrowed on time. For this reason, their loans are slightly more expensive than bank loans.

Conditions for obtaining installment loans with no credit check

With online installment loans, you can get $1,000 - $5,000 with a repayment period of up to 36 months. Each company that offers a chance to take out a loan with no credit check determines certain conditions that must be met in order to be able to apply for financing. Hence, this requirement may vary from institution to institution, but it is usually sufficient to demonstrate that you have:

  • appropriate age - minimum 18 years old,
  • valid ID card,
  • American citizenship,
  • permanent place of residence in the US,
  • your bank account,
  • active mobile number,
  • e-mail address,
  • sources of income (it may be, for example, an employment contract, contract of mandate or specific task, disability pension, retirement pension, business activity, income from work abroad, etc.).

How to apply for an installment loan?

The easiest way to apply for an installment loan without credit check is online because it requires the least amount of formalities. Here's how to do it step by step:

  1. Choose the best offer.
  2. Register on the loan company's website.
  3. Select the loan amount and repayment period.
  4. Fill out the online application form (you need to enter, among others, data from your ID card and some information about your financial situation).
  5. Submit the application
  6. Wait for the decision to grant a loan - if it is positive, you will soon receive the money directly into your account.

To apply for an installment loan online, it is necessary to have a bank account with access via electronic banking. If you do not have it or do not want to disclose it to the lender, you can use the services of a company that offers, for example, loans granted at the customer's home in a traditional way.

What to pay attention to when looking for installment loans with no credit check?

If you are interested in loans without credit check, when looking for such products, pay attention to a few important issues:

  • costs of incurring a liability - compare as many offers as possible and choose the cheapest loan,
  • availability of promotions that reduce the cost of the loan,
  • databases and registers checked by the lender - the fewer them are verified by the company, the greater your chances of getting a loan,
  • conditions for obtaining a loan - avoid companies that accept only certain sources of income or clearly emphasize that they do not tolerate any arrears in repayment of other liabilities,
  • reliability of the lender - watch out in particular for offers from private lenders who openly claim that they give loans without creditworthiness for those in debt, because they are often ordinary scammers - use only legally operating loan institutions, about which you can easily find positive reviews from their clients.

Advantages of installment loans without credit check

The benefits of online installment loans for bad credit are:

  • low requirements = lower risk of application rejection than in the bank,
  • flexible approach of loan companies to assess the client's financial situation, e.g. acceptance of various sources of income,
  • simple formalities - especially when using online installment loans,
  • no requirement to provide earnings certificates,
  • the ability to incur liabilities without disclosing your bank account.
get your money now
Applying doesn’t affect your credit score!


Start our 3 minute application by telling us
how much you need.

By submitting your information you claim you have read and understood and agree to Privacy Policy, Terms of Use, Responsible Lending and Marketing Practices