No Credit Check Loans?
No Problem.

People might be searching for payday loans with no credit checks or similar, perhaps because they have a less than perfect credit score and do not want to be rejected on this basis.

Unfortunately, pretty much all US lenders use credit checking to decide whether a person is eligible for a loan or not. By accessing this information, they can get an indication of other outstanding loans and previous payment histories – and use this to determine if the person will likely repay or not. When they are processing hundreds or thousands of applications a day, using credit checking is an effective way to score and check eligibility of customers.

But if you are looking for no credit check loans, Pheabs can still help you get the money you need. We connect you with a number of US lenders who are looking to fund loans and will accept different credit histories. You simply need to enter your details into our loan form – complete the 5 step process and you will receive a decision instantly.

To boost your chances of being accepted for a no credit loan, you should certainly have a stable income and be able to show proof of your earnings each month. This gives the lender confidence that you will have money in your account available each month for repayment.

In addition, if you can avoid getting too many loans or credit cards, this will make you seem less of a risk – otherwise it will raise some warning signs. 

Be realistic in the amount that you wish to borrow. If you want to borrow $500, this should be realistic based on your salary. But if you are unemployed and have lots of debt, looking for $30,000 may not be sensible.

Plus, anything you can do to improve your credit score can only help you get the loan you need. Consider closing down any store cards, credit cards or accounts that you are not using. Think about paying off any debts that you can little-by-little. Maybe disassociate yourself that you share a bank account or mortgage with if they have bad credit. Finally, be sure to check your credit score regularly using free trials and tools, just to make sure that your score is always approving.

Yes, Pheabs can help if you are looking for no credit loans. If you are young and have not built up any credit history or you have a sub-par credit score, there are still a number of options for you. When you turn 18, you instantly get a credit score, but you will have ‘no credit’ if you have not built this up. You typically need to get used to paying off some cards or debts to build up to a good credit score.

Everyone’s financial situation is different and loan providers know this too. So whatever your credit history or background, there are options available, whether it is from banks, credit unions, credit card providers, payday lenders, apps and more. In some cases, the lender may just offer a slightly lower amount or a slightly higher interest rate – but your loan can be approved and you can get used to paying credit on-time.

Yes, our panel of lenders is very actively looking to fund customers with poor credit and looking for no credit checks.

At Pheabs, we understand that keeping a perfect credit score in today’s age is very tricky. We all have bills to pay and our daily living costs are always going up and up. It is not surprising to have the occasional missed payment and our lenders know and understand this. They also acknowledge that borrowers want to improve their credit score and get back on their feet – and they cannot do this without a loan. 

So our lenders are happy to accept bad credit loans, but just make sure that you have a stable income and can afford your monthly repayments.

Pheabs is a passionate and responsible introducer – and we do not charge any fees to the customer and there is no impact to your credit score when you apply online.

We are dedicated to helping you find the right loan for you, regardless of your credit history and circumstances and have successfully helped thousands of US customers to date. 

Your application is in good hands and we are delighted to find the most affordable and effective loan option for you.

Can I get a loan with bad credit?

How does a credit check work?

How do credit checks work for a payday loan?

How to make improvements to your credit score

You can apply for a loan online with Pheabs in less than 5 minutes Our loan form can be completed online, 24 hours a day, 7 days a week – and you can access it via mobile, desktop or tablet. We require a few basic details including your name, age, location, income, employment and bank details – so we know where to send the money once approved.

Upon completing the loan request, you will receive an instant decision on the screen and subject to further checks, you can receive money into your live checking account within 24 hours or the next business day. 

With no fees and no impact to your credit score, simply click on the ‘Get Started’ button below!