Cash loans with no hard credit check - 2018

All lenders do some kind of credit check, but some do credit checks that other lenders and businesses will see when they look at your credit report (which is bad for you because too many credit inquiries will hurt your credit score). A credit check that shows up on your credit report is called a hard credit check. In the first table we only list loans that don’t do hard credit checks (aka soft credit checks), and we focus on lenders that have a history of accepting borrowers with low credit scores.

Even with lenders that offer soft credit checks, you need to provide a few things. The minimum requirements for both payday loans and small installment loans are:
  • You have an income of at least $1,000 a month
  • You can provide proof of employment
  • And you are at least 18 years old

Payday and Installment loans - 2018

LenderAmount & CostCredit CheckPayout & Repayment TermsLoan Features
CashUSA
$500 - 10,000
Individual rates
SoftIn some cases same day deposit
Decision Time: 90 sec

High rates of approval ?
Bad/No Credit: Permitted
Connects you with a lender

HonestLoans
$200 - 2,500
$30 - $750
SoftIn some cases same day deposit
Decision Time: 90 sec

High rates of approval ?
Bad/No Credit: Permitted
Connects you with a lender

BadCredit.com
$100 - 5,000
Individual rates
-In some cases same day deposit
Decision Time: 90 sec

High rates of approval ?
Bad/No Credit: Permitted
Connects you with a lender

FirstChoiceAdvances
$100 - 1,000
$15 - $300
SoftIn some cases same day deposit
Decision Time: 90 sec

High rates of approval ?
Bad/No Credit: Permitted
Connects you with a lender

247fastfunds
$100 - 5,000
Individual rates
-In some cases same day deposit
Decision Time: 90 sec

High rates of approval ?
Bad/No Credit: Permitted
Connects you with a lender

OpenCashAdvance
$200 - 5,000
Individual rates
SoftIn some cases same day deposit
Decision Time: 90 sec

High rates of approval ?
Bad Credit: Permitted
Connects you with a lender

CheckIntoCash
$100 - 1,000 ?
Individual rates
SoftIn some cases next day deposit
Decision Time: 90 sec

Medium rates of approval ?
Bad/No Credit: Permitted
Direct Lender

BadCreditLoans
$100 - 5,000
Individual rates
-In some cases same day deposit
Decision Time: 90 sec

High rates of approval ?
Bad/No Credit: Permitted
Connects you with a lender

Best Personal Loans online - 2018

These might do a hard credit check upon application, but mostly they first do a soft credit check then a hard on payout.
LenderAmountPayout & Repayment TermsFeatures
SignatureLoans$1,000 - $35,000Length: 6 mth to 6 yr
Decision: Usually within 48h
High rates of approval ?
APR: 5.99 - 36.00%
Available in 50 states
Bad/No Credit: Permitted
Connects you with a lender
BetterLoansMutual$1,000 - $5,000Length: Up to 1 yr
Decision: Usually within 48h
High rates of approval ?
APR: 7.00 - 36.00%
Available in 45 states
Bad/No Credit: Permitted
Connects you with a lender
LoanStart$1,000 - $40,000Length: 2 mth to 7 yr
Decision: Usually within 48h
Medium rates of approval ?
APR: 4.84 - 35.99%
Available in 50 states
Bad/No Credit: Permitted
Connects you with a lender
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Loans Introduction & Alternatives

You may not need a fortune, but sometimes you do need an extra bit of cash to fund an emergency or expenses that are beyond your normal budget. There are several types of loans to help you during these times, there is even small loans for poor credit.

  • Personal Loans
  • Payday Loans
  • Peer to Peer Loans

Personal Loans

You can apply for a small personal loan through a bank or credit union, which typically range from a few hundred to a few thousand dollars. Loan applications approval depends on your credit history, income and other factors and interest usually hover between 10% and 12%. The plus side is that it only takes a few days to find out whether you’re approved or not. Expect your repayment term to last around two years.

Payday Loans

Payday loans are a realistic option for borrowers with poor or little credit. Loan amount maximums depend on what state you live in, but are usually set between $500 and $1,000. You can often get approved on the spot, either in a store or online. Rather than charging a fixed interest rate, payday loans charge a fixed fee when you receive your money. Additionally, the repayment period only lasts about two weeks and borrowers must provide either a check for the full amount or access to their bank account for the lender to access on the due date.

Peer to Peer Loans

Relatively new to the lending market, peer to peer loans are facilitated online and funded by individual investors. Borrowers are graded by risk level based on their credit and investors then select which loans they want to fund. Interest rates are based on your grade, so while you may have a higher rate if your credit score is low, investors may see your application as a good project to fund because their returns will be higher.