You can get a loan with no credit check from several online platforms that specialize in bad credit or no credit history loans. One of the top options is MoneyMutual, which offers emergency loans with guaranteed approval and no hard credit check required. Their application process is quick, simple, and secure, often providing funds within 24 hours. To qualify, you generally need to be at least 18 years old, a U.S. resident, have a checking account, and proof of income of $800 or more per month
. Other platforms that offer no credit check or soft credit check loans include:
- Capital Good Fund: A nonprofit lender offering emergency loans up to $1,500 without minimum credit score requirements, focusing on borrowers with thin or no credit history
- OppLoans: Provides installment loans without hard credit checks, using soft credit pulls instead, which do not affect your credit score
- Oportun: Offers personal loans for people with no credit history, with fixed affordable payments and prequalification that doesn’t impact credit scores
These loans typically have higher interest rates and shorter repayment terms due to the increased risk lenders take without credit checks. It is important to carefully review loan terms and have a repayment plan to avoid debt cycles
. In summary, for no credit check loans, MoneyMutual is a leading choice for fast, short-term cash needs, while nonprofit lenders like Capital Good Fund and platforms like OppLoans and Oportun provide alternatives with varying loan sizes and repayment options
