Personal Loans With No Credit Check In 2026

Quick cash options that don’t require a credit check

Carol Pope

Written by  Carol Pope

Jessica Sain-Baird

Edited by  Jessica Sain-Baird

Expert Verified

Updated
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Key takeaways
  • No-credit-check loans skip hard credit pulls and rely on income or banking history instead.
  • They’re usually expensive, with high fees or annual percentage rates (APR) in the triple digits.
  • Loan amounts are small and terms are short, often weeks or months.
  • Paycheck advance and buy now, pay later (BNPL) apps can be cheaper, but fees can add up fast.
  • Missing payments can trigger overdraft fees or late fees, especially with automatic payments (autopay).

What is a no-credit-check loan?

A no-credit-check loan is a loan that doesn’t require a hard credit check. Instead, the lender or company may do a soft credit pull and/or review your employment, income and banking history.

In this article, we’re focusing on three types of loans that typically don’t require a hard credit check:

Personal loans with no credit checks: Personal loans with no credit check are usually expensive and small-dollar. They’re also known as high-interest installment loans. You get the money as a lump sum and pay it back monthly or on paydays, depending on the lender.

Paycheck advance apps: A paycheck advance app lets you borrow money in between paydays. Again, loans are usually smaller, but instead of interest, these apps charge fees. You will pay back all that you borrowed on your next payday.

Buy now, pay later (BNPL) apps: You won’t get cash with buy now, pay later. Instead, BNPL helps you break retail purchases into smaller payments. The most popular payment plan requires four payments: one at the time of purchase and then three more payments, due every two weeks.

Personal loans with no credit check

LenderWhy we like itAPR rangeLoan termsLoan amounts
OppLoans logoBigger loans and longer terms
See Personalized Results
Possible Finance logoSmall loans within minutesCharges fees that vary by state
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OppLoans

Best for: Bigger loans and longer terms –

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Possible Finance

Best for: Small loans within minutes –

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Paycheck advance apps

AppWhy we like itAmounts availableTimeline for a free advanceFee for expedited advanceRequires direct deposit to app account
chimeFast free advances for established users24 hours or less$2Yes
See Personalized Results
EarnIn logoDoesn’t require you to change your direct deposit1-2 business days$3.99 to $5.99No
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Chime

Best for: Fast free advances for established users –

Download on the App Store
Download on Google Play
EarnIn

Best for: Not requiring you to change your direct deposit – (some do, including ).

It also tends to offer higher loan amounts to new users. Qualified users are able to borrow $85 on average. With responsible use, that amount can go up over time.

Download on the App Store
Download on Google Play

BNPL apps

AppWhy we like itAPR rangeLoan termsLoan amountsFees
Klarna logoMonthly financing doesn’t require a hard credit checkDepends on creditworthiness
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Zip Co logoCan use it to pay some bills0% (charges fees instead)6 or 12 weeksDepends on creditworthiness
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klarna

Best for: Monthly financing without a credit check –

Download on the App Store
Download on Google Play
Zip

Best for: Paying bills –

Download on the App Store
Download on Google Play
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What to know when you have no credit for a personal loan

If you don’t have the credit for a personal loan, you’re not alone. Many people find themselves in a similar spot. These no-credit-check loans can help when you’re out of options, but it’s still important to understand how they work.

If you’re considering borrowing from a lender that skips a credit check, you should know that:

  • Rates and fees are high
    High-interest installment loans typically come with annual percentage rates (APRs) in the triple digits or outrageous fees. Most financial experts agree that rates above 36% is high-interest, and in some cases, predatory lending.
  • You might have more than one payment a month
    With no-credit-loans, payments are typically due on your payday or every two weeks, in the case of BNPL.
  • Automatic payments are usually required
    No credit-check-loans are risky for lenders, so they typically require autopay. This can lead to overdraft fees, especially if you’re juggling multiple loans or apps.
  • You might not qualify if you’re in the military
    The Military Lending Act (a federal law that protects active-duty service members) prohibits lenders from offering loans with an annual percentage rate (APR) higher than 36% to active-duty military, their spouses and select family members.

No-credit-check loans to avoid

Personal loans with no credit check come with high rates. Paycheck advance apps and BNPL are generally interest-free, but fees can stack up. Getting a no-credit-loan isn’t something to take lightly. Whatever you decide, you should avoid the types of loans below.

  • A car title loan is a short-term loan that uses your car as collateral. If you don’t pay back your loan, the lender will repossess your car. Some secured personal loans also use your car as collateral, but car title loans come with shorter terms, higher rates and smaller loan amounts.
  • With a pawn shop loan, you’ll offer a valuable piece of property to a pawnbroker. The pawnbroker then gives you a loan that’s much lower than what your item is worth. If you don’t pay back what you owe, the pawnbroker can sell your item.
  • Payday loans come with extremely high APRs (sometimes 400%), and you have to pay the loan in full by payday. If you don’t have enough money when the loan is due, you might have to take out another one to pay for the first. Some high-interest installment loans follow a similar model — always know how your loan works before accepting.

Tips to get approved for a standard personal loan

Even if you have bad credit, you might still qualify for a “standard” personal loan, or one that requires a credit check. Getting approved can be easier if you:

Offer collateral

Secured loans, or loans that require collateral (something valuable you own that the lender can take if you don’t repay) are typically easy to get approved for. Online lenders tend to use your car as collateral. Banks and credit unions usually use your savings or investment account.

Get a co-borrower

Getting a joint loan with a co-borrower (someone who shares equal responsibility for repaying the loan) can also help you qualify. A co-borrower is someone else who is willing to take equal responsibility for the loan. They should have good to excellent credit. But late payments impact their credit as much as it will theirs, so stay true to your word.

Shop around

Getting a loan is a little like looking for a new insurance company. Each lender has its own way of calculating rates and eligibility. Just because one lender turned you down doesn’t mean that all of them will.

Why use LendingTree?

$3.2B in funding
In 2025 alone, LendingTree helped find $3.2 billion in funding for people seeking personal loans.

$1,659 in savings
LendingTree users save $1,659 on average just by shopping and comparing personal loan rates.

360,000+ loans
In 2025, LendingTree helped find funding for over 360,000 personal loans.

When banks compete, you win

You’d shop around for flights. Why not your loan? LendingTree makes it easy. Fill out one form and get lenders from the country’s largest network to compete for your business.

Tell us what you need

Take two minutes to tell us who you are and how much money you need. It’s free, simple and secure.

Shop your offers

LendingTree users with bad credit get four personal loan offers on average. Compare your offers side by side to get the best deal.

Get your money

Pick a lender and sign your loan paperwork. You could see money in your account in as soon as 24 hours.

See Personalized Results

Final thoughts: Escaping the cycle of debt

As long as you understand the cost of borrowing and have a solid payoff plan, a no-credit-check loan can be a lifesaver.

But if you find yourself relying on expensive loans and apps to get by — or to cover debt you already have — you might be trapped in the debt cycle. If so, you’re not alone. About four out of 10 people say they’ve been late on a BNPL payment, according to a LendingTree survey.

Here are some possible ways out if you’re feeling stuck.

Debt consolidation

If you’re having trouble juggling multiple credit card payments and personal loan payments, you might be a good candidate for a debt consolidation loan (a loan that combines multiple debts into one payment). A debt consolidation loan doesn’t change what you owe, it streamlines it. If you have excellent credit, chances are you’ll qualify for a lower interest rate than what you have on your cards, too.

Debt management plan

You can work up a debt management plan with a certified credit counselor (a trained professional who helps people manage debt). A debt management plan can get you out of debt in three to five years, usually for free or at a low cost. Most credit counseling agencies are nonprofit.

Bankruptcy

Bankruptcy (a legal process to reduce or eliminate certain debts) is a valid option if you have more debt than you possibly can afford. Although there’s an unfair, negative stigma surrounding bankruptcy, it can give you a fresh start if you really need it. Still, this is one of the most extreme acts you can take when it comes to personal finance. Bankruptcy will follow you for seven to 10 years.

Frequently asked questions

Yes, it’s possible to get a personal loan with no credit check. All of the lenders, apps and platforms on this list only use a soft credit hit and factors like your employment status and income to determine if you qualify for a loan.

The lenders on this page offer personal loans with no hard credit pull. If you want to avoid a hard credit check, also consider paycheck advance apps or BNPL services.

Most personal loan lenders, however, will require a hard credit check when you apply. To minimize hard inquiries, you can use LendingTree to compare rates with a soft credit check first — then decide whether to move forward with a full application.

The safest types of no-credit-check loans are ones that you can use interest-free, or for a low fee.

Most buy now, pay later apps let you split retail purchases into four, interest-free payments. Paycheck advance apps also don’t typically charge interest. You could even get your money for free if you’re willing to wait a day or two.

The danger with these BNPL and paycheck advance apps aren’t necessarily their cost — it’s how easy they are to use. Without discipline, you could end up impulse buying or shorting your paycheck every week.

Most no-credit-check loans will not help you build credit. Usually, lenders that approve with just a soft credit hit do not report payments to the credit bureaus. There are some exceptions, though, including and  (although only reports to TransUnion and Experian).

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