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No Credit Check Loans

Gone are the times when only the banks were the loan providers. Long time back, when the banks were the only financial institutions, people would line up like forever only to get their loan application rejected if they have a bad credit score. Also, the loan processing system is so complicated at a bank because they carry out a very intensive verification process and undertake a lot of complicated paperwork which on the whole eats up a lot of your valuable time. If you have a bad credit history, then all this effort will be futile as the bank will outright reject a loan application for a bad credit score and most people will be left scratching their head thinking what to do next.

No credit check loans

However, with the recent changes and technological advances in the financial department in the country, there are many other options that are available for availing an immediate loan. Today, there are many private financing companies in the market that provide no credit check loans for personal use on a quick basis.

Since the trend of ‘No Credit Check Loans’ has become popular, there are many people who wish to choose these services over the bank loans. However, there are a lot of questions, confusion, and doubts regarding the terms and criteria needed to qualify for quick No Credit Check Loans.

Here are a few FAQ’s regarding the No Credit Check Loans –

1. What are ‘No Credit Check Loans’?

‘No Credit Check Loans’ are short-term loans that are approved by the lenders who do not carry out a credit score verification.

Even if you have a bad score, your loan application will be approved if you have a genuine reason and if you submit all the required legal documents for verification. You can take a payday loan and repay on the next payday or you can take an installment loan and pay back in a manageable period of time.

2. What are the criteria to qualify for No Credit Check Loans?

To be qualified to get a personal loan with no credit checks, you need to be a resident of a state that allows the legal practice of short-term loans. You will need to be of 18 years old or above and a permanent US resident with a steady income into your active checking account. You will have to provide documented proof to confirm that you are eligible for a personal loan under these criteria.

3. What Credit Scores Should I Have?

Credit scores are numbers that prove the financial credibility of an individual. They also indicate how likely a person is capable of repaying a loan. These credit reports are made by credit bureaus like FICO, etc., who collect the data from many sources that handle people’s finances. In general, a credit score ranging from 720 – 850 is presumed to be a good credit score, whereas, scores below 450 or 500 are considered to be poor credit scores.

4. Will I Need A Guarantee?

Most of the personal short-term loans are unsecured loans i.e., they do not need any collateral or guarantee to be placed while applying. However, there are a few installment loans which might need collateral depending on the amount of money being taken as a loan and the type of loan.

5. How Quickly Can I Get My Loan Money?

Short-term loans have become famous for their quick approval times and for their unsecured bad credit loans. Most lenders will carry out a soft verification process and if all the criteria are fulfilled, they will approve the loan within a few hours or by the next business day. If it is an online application, then the money will be transferred online.

So, log on to and get connected with reliable lenders who will provide instant no credit check loans without collateral.


Running short of cash for the month? Easily available small cash amounts on a short term basis. Apply now!

Conventional & safe. Access your installment loan & pay back at your own pace. Apply now!

Unlock the financial power of your car. Use it as collateral for the cash you need. Apply now!

Why Choose Instant Credit Loans?


Affordable Interest Rates

We avoid penalizing interest rates and offer rates that are fair & reasonable.

Screened Lenders

We offer loans from screened & verified vendors to ensure your safety & ease of repayment.

High Approval Rates

We understand your need for quick & assured loan approvals & strive towards higher loan approval rates.


The offered loan amount ranges from $100 up to $10,000 for personal loans and from $5000 up to $750,000 for business loans.

The full form of APR is Annual Percentage Rate. In the banking & financial industry, this denotes the rate at which you can borrow a particular loan. Usually, APR is high for borrowers with a bad credit history or the borrower is borrowing for a long period of time. APR is also dependent upon individual lenders & the rate at which they prefer to lend.

To be eligible for the loan, you need to:
1) Be at least 18 years old
2) A citizen of the United States of America
3) Have an active bank account
4) Show proof of regular income
5) Have a valid email address
6) Be a resident of a state which allows payday loans at the offered rates

Depending on the lender, you can mostly pay by an electronic fund transfer to your lender’s bank account. For certain lenders, you might be able to pay via your debit card. Please ask your lender for details.

Many lenders prefer an early payback given that most of these loans are of small amounts. There is no foreclosure penalty charged, as done by banks & financial institutions.

Instant Credit Loans is known to provide payday loans, installment loans, title loans and line of credit at affordable rates. Our lenders are carefully screened to protect your interests. Backed by an easy to use platform, we pride ourselves in some of the lowest annual percentage rates (APRs) in the industry.

APR Disclosure: is a third-party aggregator & not a direct lender and therefore will not have say over the annual percentage rate (APR) you will be offered. Prior to loan application, we will provide a representative APR based on data aggregated from multiple lenders. Our APR usually ranges from 5.99% to 35.99% depending on a host of factors. APRs increase proportionately to the repayment terms which is anywhere between 61 days to 180 months. Your actual rate depends on your loan amount, credit score, loan term and credit usage & history. It is agreed upon between you and your lender.

Representative APR Example:

$1,000 loan over a 12-month term would have a total payback amount of $1,134.72, APR 29.82%. Loan amount doesn’t need to be paid at once and can be done in instalments.