Pheabs works with a large panel of lenders who can accommodate those looking for loans without credit checks.

If you feel that you have been denied a loan in the past due to your credit score, Pheabs is here to help. Working with a number of US payday lenders and short term loan providers, our partners are willing to take a view on all different credit histories — so that you can still receive the funds that you need.

You should not be put off just because you have been unsuccessful in the past. There are a lot of different loan providers out there in TexasCaliforniaFlorida, you name it, who are actively looking to fund loans to people with poor credit scores.

To manage this risk, the lender may just adjust the amount that you wish to borrow, require proof of income or ask for some collateral.

Minimum Loan Amount$100-$35,000
Representative APR36% to 400% APR
Funding Time1 to 24 hours
Loan Duration1 to 60 months
Credit ChecksNo
Collateral NeededOptions With and Without Collateral

Step 1 – Apply Online

Consider how much you need to borrow and how long for — and complete our online application form in less than 5 minutes.

Step 2 – Get Approved

Give information about yourself including any details of collateral that might be needed for your loan. Get an instant decision and receive a loan offer on the screen. To proceed, you can electronically sign our loan agreement in minutes.

Step 3 – Receive Your Loan

If approved, you can receive funds into your checking account within hours, the same day or next business day.

There are some online lenders who offer no credit check loans, and they might take into consideration other factors such as your age, income, employment or if you are using security such as a property or car (such as auto loans).

In reality, most US lenders will carry out some form of credit check when you apply, just to get an idea of how well you have repaid other types of loans, credit cards and debt in the past — and use this to determine your eligibility for a future loan.

At Pheabs, we are proud to be working with over 50 US direct lenders and many of them are willing to consider customers with bad credit or no credit too. There are a number of lenders who only specialise in installment loans and short term loans with poor credit histories and we are delighted to act as your connecting partner, helping you to find the best loan to suit your requirements.

loans with no credit checks
The average US lender will run a credit check, but there are no credit check options available including using credit unions and title loans

Am I Eligible For a Fast Cash Loan From Pheabs?

  1. US or Canadian citizen or resident
  2. Over 18 years of age (born in 2006)
  3. Employed part-time or full-time and earning a minimum of $500 per month
  4. Must have a social security number
  5. A live checking account for your loan to be deposited into
  6. Can make repayments on time
  7. Valid cell phone and email address to verify your loan

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.

Can You Offer Loans for People with Bad Credit?

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.

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!

How Much Can I Borrow Online With Pheabs?

Customers with Pheabs can borrow between $100 to $35,000. When borrowing lower amounts, you may only need to borrow for a few weeks or months (such as payday loans). With the larger amounts, your loan could last for 12 to 60 months, repaid in monthly installments.

What Information Do I Need To Provide In The Loan Application?

  • Name, DOB, Address
  • Employment Title, Name of Employer, Income, Length of Employment
  • Social Security Number
  • Contact Details (email and phone)
  • Live Checking Account Details
  • Details Of Any Collateral Required i.e car
  • Amount You Wish to Borrow and How Long For

What Happens If I Miss Repayments?

If you miss repayments for your payday loans or personal loans, you may be charged a late fee and this may have a negative impact on your credit score.

You will be sent reminders on the days leading up to each repayment so that you are prepared — but if you ever have trouble repaying or know in advance that you are going to struggle, simply get in touch with your lender as soon as possible and they can help you.

Our lenders are obligated to help you if you are having financial difficulty — and this could mean delaying your payments, freezing payments or offering you a payment plan so that you pay smaller amounts over time.

Is It Free To Apply With Pheabs?

Yes, it is completely free to apply with Pheabs so we will not charge anything for submitting your details and will not take any money from your account. The only fees you will pay are the interest charged by the lender and this will be presented to you very clearly in writing beforehand.

How Soon Can I Receive Money If Successful?

If successful, you will receive money to your live checking account within 24 hours or next business day. Some of our lenders are known for funding in just a few hours. But for larger amounts or those applicants requiring further checks, you should allow for around 24 hours.