Quick Loans No Credit Check

Need a quick loan but worried about your poor credit score? Maybe you have already been turned away from a loan by traditional lenders because of bad credit. Some lenders only offer loans to people with good credit, but luckily there are also many lenders who will take more notice of your ability to repay a loan, without a hard credit check.

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

Understanding No Credit Check Loans

Most legitimate lenders will want to find out a bit about your credit history to know if you are able to repay the loan. If you have a low credit score, you will pay a higher interest rate than someone with good credit, and the amount of the loan offered may be lower.

But even if you have a poor credit score, you can find direct lenders who will help you, and many will do a “soft credit check”. This means they can check your recent credit history and see if you have any outstanding debts, without going into your full credit history which is what happens with a hard credit check.

A hard check will be registered on your credit and will show if you have been refused the loan, but the soft check will not appear on your credit, and loans with a soft check are often called “no credit check” loans. Lenders who use this check also look at your monthly income, your employment status, and any current loans, and take the whole picture into account when making a decision to approve.

What Are the Cons and Pros of No Credit Check Loans?

For borrowers with bad credit, loans with no credit check have many advantages, but it is important to consider the disadvantages and to check the terms of the loan before signing.


  • Easy application process with online forms
  • Instant approval
  • No credit checks, so a bad credit score ok
  • No penalty fees for early repayment
  • Repayments are reported to credit bureaus, helping improve credit score


  • High-cost loans with high-interest rates
  • Limits on loans from lenders based on their policies. Also, some states have limits on no credit check loans

Types of Quick Loans With No Credit Check

Here are the 3 main types of loans that many lenders offer with no credit check.

Title Loans

A title loan is secured against collateral, usually, a vehicle title These are high-cost loans that don’t require a credit check and are usually to be repaid in a short period, about a month. The risk is that, if the loan is not repaid as agreed, the lender can take the car and sell it to recover its costs.

Payday Loans

Payday loans are easy loans with no credit check, to be repaid by your next paycheck. Lenders can give instant approval, and the cash is normally available within 24 hours. You can also find a payday loan if you are unemployed and have a regular income source such as an unemployment benefit.

Personal Loans

Personal loans, sometimes called installment loans, are loans for larger amounts of money to be repaid over a longer period, up to several years, in monthly installments. They have lower interest rates than payday loans and title loans and are more affordable.

You can find lenders who will offer personal loans with no credit check for borrowers with poor credit, and the best way to find them is to use an online broker such as CocoLoan.

How Does CocoLoan Compare

default imgWhy Trust CocoLoan?
How much can you get?$50 to $35,000Zero upfront charges
What are the loan terms?1 - 36 monthsEasy repayment
Are credit checks needed?YesMostly soft pulls
Are bad credit accepted?YesAll credit considered
How to apply?Totally onlineSimple and straightforward
Get Started

How Does a Quick Loan With No Credit Check Work?

Quick loans with no credit check have few requirements and usually, you just need to fill out a simple application form with personal details including address, employment, monthly income, and bank details.

Lenders will then do a soft credit check and decide the amount you can borrow and the rates and terms. Once you agree to the conditions of the loan and sign the agreement, the lender will transfer the cash to your account by direct credit.

Three Steps to Get Quick Loans Online With No Credit Check

There are 3 simple steps to get online no credit check loans:

Step 1: Submit Loan Form - Fill out your personal details on the simple online form on the CocoLoan website

Step 2: Review & Accept Offers - You will get offers from multiple lenders in CocoLoan’s partner network, so you can easily compare the interest rates and terms. These vary between lenders so it’s always good to check to make sure you get the best deal.

Step 3: Sign the Agreement & Get the Money - When you find a loan you are happy with, you can digitally sign the loan agreement online and you will receive the cash in your bank account by direct credit within 24 hours.

How much would you like to borrow?


Do I Qualify for No Credit Loans?

The requirements to qualify for loans with no credit checks are basic and simple:

  • The borrower has to be aged at least 18 years or above
  • They should be a US resident with proof of address such as a utility bill in their name
  • Should provide valid contact details, including a mobile phone number
  • Must be currently employed with a regular monthly income
  • Have a bank account to receive a direct deposit of the loan
default img
default img
default img

Searching for Quick Loans With No Credit Check? Your Search Ends Here!

Check online with CocoLoan for all types of no credit check loans, they make it easy for you to get the funds you need.

Try Right Away