No Credit Check Loans

When you find yourself in need of emergency funding, don’t let a bad credit score stand in your way. Submit your information for easy and fast approval with iPaydayLoans today.

Want to borrow more than $5,000? Click here!

A poor credit score might hold you back from getting the help you desperately need for those urgent expenses, since traditional lending institutions care much about your credit history and may not approve your loan request, leaving you to fend for yourself. The good news is that iPaydayLoans' partner online lenders can grant you a loan for bad credit with no hard credit check. These lenders look for creditworthiness rather than score. 

Can I Get Loans Without Credit Checks?

Simply put, the answer is no. No credit check loans have their appeal, especially to those who believe they have a bad credit score or borrowing history. But they’re risky and unrealistic since any type of credit check must be performed.

It’s good to know that online loans, in most cases, do not run a hard credit check, which is a detailed view of the credit score and borrowing history. Instead, they perform a soft credit check, pulling the credit score without the full history. Rather than focusing on an applicant’s full credit report and history, lenders that provide no hard credit check loans focus on income and your affordability first.

No hard credit check loans vary in type from payday loans, title loans, and personal loans. The application process for such a loan is simple, with funds from it showing up as quickly as the next business day.

Should I Choose Loans for Bad Credit With No Credit Check?

It’s no wonder no credit check loans hold an overall appeal with borrowers. With our financial world revolving around credit scores, it’s natural many people who believe theirs is too low will opt-in for such an option.

However, it’s important to remember there are no true no credit check loans, and there are cons to moving forward with a loan that claims it is:

  • Higher interest rates are used to compensate for the lender's risk.
  • Higher fees are associated with the loans, making them difficult to pay back.
  • Repayment periods that are either too long or too short, causing the borrower to miss the repayment deadline or dragging the payment out longer than necessary and incurring extra fees.

How iPaydayLoans Can Help Me With No Hard Credit Check Loans?

The alternative to a hard credit check is the soft credit check. It doesn’t impact your score, putting the power back in your hands should you feel your credit score is already on the lower end.

iPaydayLoans is there to help you partner with a lender who performs only a soft credit check. They’re:

  • Fast! This is one of the most influential points. With a no-hard credit check loan, an approved loan can get funded as quick as one day.
  • Easy! Of course, as with any other application, there is an application process, but it’s far from complicated with lenders focusing on the information they’ll need to make the decision.
  • Reliable! Lenders will check your creditworthiness and affordability when making their decisions. And when they do this, they make sure you won’t get into another debt trap.
default imgWhy Us
How much can I borrow?$50-$35,000No hidden fees or charges
I have bad credit. Can I apply?YesBad credit is considered
Over how long can I spread the repayments?1-36 monthsFast decisions
Are credit checks involved?YesSoft credit checks only
Chances of getting approvalsGood256-bit encryption protocol
How to apply?Apply onlineEasy application
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Popular Types of Bad Credit Loans Without Credit Check

As we have highlighted, there are no real loans without credit checks. However, the following are some of the most common loans for bad credit without hard credit checks. They only use soft credit checks and they do not reflect on the borrower’s credit profile.

Payday Loans

A risky but popular option is this short-term loan. In fact, payday loans are also named cash advances of the borrower's upcoming paycheck. Payday loans have higher interest rates and large fees since they’re so short-term. Though they’re not ideal, they’re perfect for some difficult situations and come with a quick approval.

Installment Loans

Unlike the payday loan, installment loans have a longer repayment period but also come with a higher interest rate. They’re usually considered safer for those with bad credit and provide a better customer experience. These loans require an even amount of monthly payments, but overall the fees are easier to pay off.

Short-term Loans

The repayment period for a short-term loan is typically within the year, though some go as far as 18 months. Usually kept in lower amounts of around $5,000 or less, they’re easier to repay than payday loans.

Long-term Loans

As the name suggests, these loans offer longer repayment plans. Typically long-term loans have a minimum repayment of 5 years. Their upside is the ability to borrow more money. With a longer repayment period, lenders can be more flexible on repayment terms, making it easier to borrow larger sums of cash.

Title Loans

These loans are secured with a title. Most of the time, a car title is used as collateral for the loan; if the loan isn’t paid within the set period of time, the car will be taken as restitution.

How Can I Apply for a Loan Online Without Hard Pull?

iPaydayLoans makes the process of applying for a loan with a bad credit score quick and painless. Fill out a form here and provide your personal and financial information. Though the site asks for information about your credit score, remember that a bad credit score does not matter.

The financial information you provide is used to find you a partner from among the list of lenders. You can expect a willing lender to perform a soft credit check and use your overall creditworthiness to make a decision.

A lender can approve your funds in as little as 5 minutes! The lender will supply you with terms and conditions – around 20 minutes' worth of reading. With the forms signed, the funds can be on their way to you as soon as the next business day.

How much would you like?



1. Do You Charge Any Fees for Bad Credit No Credit Check Loans?

The good news is that we do not charge you any fees for the broker service! Any loan fees will be discussed with the lender providing the approval, so the borrower doesn’t have to worry about the extra cost.

2. How Soon Can I Get the Money?

Once you start the application process by providing your personal and financial information, iPaydayLoans helps you partner with a lender who will approve your funds. You can get approval in as quick as 5 minutes and can expect funds to be on their way to you by roughly the next business day.

3. How Much I Will Get With Loans for Bad Credit No Credit Check?

You can get anywhere from a few hundred dollars, to get you to the next paycheck, to a couple of thousand. The amount will depend on how much the lender is willing to approve based on the financial information you provide such as the credit score, income, and amount requested.

4. How Can I Increase My Credit?

Credit scores provide lenders with a general idea of an applicant’s creditworthiness so it’s no wonder people ask how to increase it. There are a couple of things you can do:

  • Pay your debt on time.
  • Keep your credit amount under control.
  • Diversify your credit products (ie. credit cards, car loans, mortgages).
  • Inquiries, or the amount of time a hard credit check has been performed, should be kept to a minimum as they last for two years on your credit history.
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Get Started With iPaydayLoans Today!

Don’t let a bad credit score hold you back in a time of need! iPaydayLoans partners with lenders who work with good or bad credit scores. Start the process toward financial success by submitting your information now.

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iPaydayLoans is a company committed to connecting borrowers to hundreds of reputable online lenders to apply and get small-dollar payday loans quickly, easily, and securely, helping cope with life emergencies like paying medical bills, home, or car repairs, and so on.

Customer Note: A payday loan is traditionally used to help people borrow a small sum of money until the next upcoming payday. It's a short-term solution to cover unexpected expenses when people have no savings or deep pockets. Those who find themselves in a bind with their budget and want to refill it with credits should seek the advice of a professional financial assistant. A borrower also has to peruse local regulations related to a payday loan.

Availability: The service of this platform may not be accessible to people based in restricted states. Please check the local regulations to find out its availability in the area. Rules of this website are subject to change without notifications.

NOT A LENDER Disclosure: iPaydayLoans is not a lender but a broker and does not charge you any fees for our broker services. The lenders or other broker services we introduce to our customers through this website may pay us commissions if customers enter into a credit agreement with them.

Disclaimer: iPaydayLoans is not a lender, does not take applications or make loans or credit decisions. We are not an agent, representative or broker of any lender. We provide a service to connect you to a lender from our network. We do not control and are not responsible for any lender's actions or decisions.