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Fortunly's Guide

Best Signature Loans With No Credit Check

By
G. Dautovic

July 01,2021


Wouldn’t it be nice if you could just sign a piece of paper and someone would hand you that desperately needed loan? No, we’re not suggesting that you make a deal with the devil. There’s a far less perilous option.

We’re talking about companies that can help you secure signature loans and no credit check that will lower your credit score. Get multiple offers with one “soft” credit check from the lending marketplaces we have reviewed for you. 

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8 Best Signature Loans With No Credit Check

Best for: Quick and transparent process
CashUSA.com
CashUSA.com Logo
Bottom line

CashUSA is an online lending marketplace that’s been around for more than two decades. It offers generous rates and loan amounts coupled with a safe and simple user experience. Simply put, getting a signature personal loan with CashUSA isn’t a hassle. Read Review

  • Large loan amounts
  • Simple eligibility requirements
  • Safe and secure website
Apply Now
On CashUSA.com Website
Years in Business:
23
APR:
5.99%–35.99%
Loan term:
90 days–72 months
Minimum Loan Amount:
$500
Maximum Loan Amount:
$10,000
Fees:
None
Income Requirement:
$1,000 per month after taxes
Funding Time:
One business day
Best for: low-income borrowers
BadCreditLoans.com
BadCreditLoans.com Logo
Bottom line

The name says it all. Bad Credit Loans won’t punish you for having bad credit. On the contrary, this lending platform will help you get financial assistance when you need it most. If you’re looking for affordable loan programs, your search is over. Read Review

  • Fast service
  • Advice on loan spending
  • Easy application process
Apply Now
On BadCreditLoans.com Website
Years in Business:
22
APR:
5.99%–35.99%
Loan Term:
90 days–72 months
Minimum Loan Amount:
N/A
Maximum Loan Amount:
$10,000
Fees:
None
Income Requirement:
None
Funding Time:
Depends on lender
Best for: small loans
LoansUnder36
LoansUnder36 Logo
Bottom line

LoansUnder36 is a perfect name for this lending marketplace and its network of lenders with APRs of up to 35.99%. Offering affordable loan programs while maintaining fair business practices is practically a recommendation all by itself. Read Review

  • Fast, secure service
  • Anyone can apply
  • One application yields multiple loan offers
Apply Now
On LoansUnder36 Website
Years in Business:
5
APR:
5.99%-35.99%
Loan Term:
61 days-6 years
Minimum Loan Amount:
$500
Maximum Loan Amount:
$35,000
Fees:
None
Income Requirement:
Steady source of income
Funding Time:
One business day
Best for: multiple offers in a single marketplace
5kFunds
5kFunds Logo
Bottom line

5kFunds is a lending aggregator that can connect you with hundreds of lenders that offer competitive interest rates on personal loans. Looking for fair and easy loans with no credit check to harm your credit score? Seeing what 5kFunds has to offer takes only a few minutes, and it could save you both time and money. Read Review

  • Multiple lenders with one application
  • No credit rating requirements
  • No charge for receiving offers
Apply Now
On 5kFunds Website
Years in Business:
5
APR:
5.99%-35.99%
Loan Term:
61 days-6 years
Minimum Loan Amount:
$1,000
Maximum Loan Amount:
$35,000
Fees:
None
Income Requirement:
Steady source of income
Funding Time:
One business day
Best for: APR (good credit scores)
Monevo
Monevo Logo
Bottom line

Monevo is an industry veteran with award-winning business practices. Thanks to its software technology, you receive real-time offers connecting you to the best signature loans from Monevo partners. Read Review

  • Award-winning platform with real-time offers
  • Free of charge
  • Borrowers with all credit ratings are eligible
Apply Now
On Monevo Website
Years in Business:
11
APR:
1.99%–35.99%
Loan Term:
3 months-12 years
Minimum Loan Amount:
$500
Maximum Loan Amount:
$100,000
Fees:
None
Income Requirement:
Steady source of income
Funding Time:
One business day
Best for: different types of loans
Credible
Credible Logo
Bottom line

Credible is an excellent lending marketplace with multiple types of student loans, personal unsecured loans, refinancing options for student debt, and mortgages - all on one platform. Multiple partners and some of the best lending companies are working together to bring you fair offers and help you financially. Read Review

  • Multiple loan types and lenders in one marketplace
  • No impact on credit score for applying
  • No fees
Apply Now
On Credible Website
Years in Business:
8
APR:
4.99%-35.99%
Loan Term:
1-7 years
Minimum Loan Amount:
$600
Maximum Loan Amount:
$100,000
Fees:
None
Income Requirement:
Steady source of income
Funding Time:
One business day
Best for: application process
CashAdvance.com
CashAdvance.com Logo
Bottom line

Cash Advance is a member of the Online Lenders Alliance, which means that it’s dedicated to the highest standards of conduct. Thanks to its large pool of patrons, the service can provide guaranteed loans with no credit check. Read Review

  • Large network of lenders
  • Helps with reporting illicit lenders
  • Educational resources
Apply Now
On CashAdvance.com Website
Years in Business:
23
APR:
15%–1,564%
Loan Term:
7 days–12 months
Minimum Loan Amount:
$100
Maximum Loan Amount:
$1,000
Fees:
None
Income Requirement:
$1,000 per month after taxes
Funding Time:
One to two business days
Best for: fast loans
LendUp.com
LendUp.com Logo
Bottom line

LendUp is a solid choice for short-term cash loans. Its APRs are high, but it has helped many customers stave off bankruptcy with its extremely fast lending process. No-credit and bad-credit loans are the vendor’s specialties. Read Review

  • Transparent business operations
  • 24/7 mobile access
  • Instant decisions
Apply Now
On LendUp.com Website
Years in Business:
9
APR:
214.13%–917.71%
Loan Term:
7–30 days
Minimum Loan Amount:
$100
Maximum Loan Amount:
$1,000
Fees:
None
Income Requirement:
None
Funding Time:
One business day
Evaluation Criteria

Finding the Best Signature Loan that Doesn’t Require a Credit Check – Our Methodology

If you’ve ever had to deal with a sudden influx of bills or an unexpected medical emergency, you know that coming up with the cash isn’t easy, especially if your credit score isn’t very presentable. Luckily, some companies know that no one is immune to unfortunate financial situations. They offer signature loans, no credit check required, for just this sort of problem. 

We hope that our methodology for determining the best signature loans will help you choose the lender or lending marketplace that suits your unique circumstances.

Loan Conditions

Of course, you should always try to secure a loan with the best terms you can get. However, signature loans are considered high-risk for lenders, as they don’t require any collateral aside from your signature. Therefore, you should be prepared for higher APRs and additional fees. 

Our goal is to find the best signature loans that don’t have a credit check requirement, as not everyone is careful or lucky enough to have good or great credit. The downside of not undergoing a credit check is that you’ll usually be offered relatively short-term loans at high interest. 

Our research is focused on locating loans with the lowest APRs that are coupled with reasonable repayment times. You should always be picky when it comes to obtaining the most manageable loan.

Eligibility

To determine your creditworthiness, lenders and lending platforms look at several factors, including your age, income, whether you have a checking account, and your residency status. The signature loan providers we’ve selected have simple and straightforward requirements tailored to a broad range of borrowers.

Application and Funding Time

Time is money, and when you’re short on both, the last thing you need is a complicated application process that takes days to complete. Therefore, we pay special attention to companies that enable you to make quick loan requests

The same goes for funding times – the sooner you have the money in your possession, the better. The companies on our list of lending platforms that offer signature loans with no credit check deliver funds within a single business day.

Privacy and Safety

Finally, our methodology would be incomplete if we didn’t evaluate the level of safety and privacy provided by the vendors we evaluated. This is a crucial step that should never be overlooked. There are many scammers out there who use the names of legitimate companies to trick you into giving them your hard-earned cash. 

As a result, acquiring signature loans online can be hazardous - which is why you should keep an eye open to spot red flags. For example, if the company appears to be brand-new, you should probably avoid it, as it might be fraudulent. You should also read customer reviews online. Feedback from previous borrowers can be invaluable for determining if a service provider is involved in unlawful behavior. 

Once you’ve established that the company is legit, you should take a look at the privacy policy. It’ll tell you how your data will be used and protected.

Quick Breakdown

Top 8 Guaranteed Signature Loans for Bad Credit:

Online Signature Loans with No Credit Check: Detailed Reviews

CashUSA.com Review

Quick Facts
5 stars Our Rating
Years in Business:
23
APR:
5.99%–35.99%
Loan term:
90 days–72 months
Minimum Loan Amount:
$500
Maximum Loan Amount:
$10,000
Fees:
None
Income Requirement:
$1,000 per month after taxes
Funding Time:
One business day

Reasons for getting a loan can be as benign as needing money for a vacation or as serious as consolidating debt with as few consequences as possible. Whatever the reason, CashUSA will do its best to help you get the money you need. The company follows a transparent four-step process in which it acts as your reliable intermediary.

Loan Conditions 

Getting a no-credit-check loan with CashUSA involves no fees, which is an important fact to have in mind when you’re looking for an urgent financial fix. However, lenders sometimes include extra charges.

APR depends solely on the lender and can range from 5.99% to 35.99%. It all depends on the information you provide in your loan application and how the lender’s criteria apply to your case. After you get a detailed estimate for your loan request, you’re not obliged to accept the lender’s offer. 

The duration of your personal loan with no credit check can be anywhere from 90 days to 72 months. Your qualifications determine the loan term. When compared to other lending services, CashUSA is quite generous with its maximum loan amount, which can go as high as $10,000.

Eligibility

As a potential borrower, you must meet several prerequisites to be able to submit a loan request with CashUSA. Luckily, there aren’t any complicated requirements. You’re deemed eligible for online signature loans if you’re 18 years of age or older. You also need to be an American citizen or a permanent resident in the US, earn a steady income of at least $1,000 after taxes, own a checking account, and provide your home phone number and an e-mail address.

Application and Funding Time

To apply for a personal loan, you need to fill out an online form, which should take you no more than a couple of minutes. CashUSA understands the urgency in these situations and guarantees customers that they’ll get their money in one business day after applying for their no credit check loans.

Privacy and Safety

CashUSA keeps your private information safe by using standard encryption and other security measures. The website also includes a table with detailed explanations of what information is shared with lenders and why. It’s worth mentioning that all the information-sharing is solely for business purposes and your benefit. The company even lets you limit the sharing of personal information, but you can do so only after you’ve submitted your request. Overall, applying for signature loans online is a carefree process with CashUSA.

Reasons to apply:

  • Quick and transparent
  • No obligation to the lender before accepting offer
  • Funding in one business day
  • Safe and secure
+ Show more
Read Full Review

BadCreditLoans.com Review

Quick Facts
4.5 stars Our Rating
Years in Business:
23
APR:
5.99%–35.99%
Loan Term:
90 days–72 months
Minimum Loan Amount:
N/A
Maximum Loan Amount:
$10,000
Fees:
None
Income Requirement:
None
Funding Time:
Depends on lender

During its 23 years in the business, Bad Credit Loans has refined its services to accommodate more individuals with derogatory marks on their credit reports. Many borrowers with a less-than-perfect credit score avoided financial ruin thanks to this lender network. 

Loan Conditions 

There are no fees for using the platform. Like other lending platforms, Bad Credit Loans can’t be certain that its lenders will be lenient. 

Lenders offer no credit check loans with APRs that range from 5.99% to 35.99%. There’s no available information regarding the minimum loan amount, but the maximum is $10,000. The loan payback period is from 90 days to 72 months.

As you can see, the loan terms are pretty much the same as those found at CashUSA, which is why these two are our top picks for connecting with lenders.

Eligibility

The best part about the eligibility criteria at Bad Credit Loans is that there’s no minimum income requirement. You do need to have regular earnings of some kind, whether from full-time employment, self-employment, disability benefits, or Social Security benefits.

All other requirements are what you would typically find with other providers of signature loans for bad credit. You need to be over 18, provide proof of citizenship, have a checking account, and hand over your contact details. 

Application and Funding Time

Applying for a personal loan with Bad Credit Loans takes no more than five minutes of your time. Just click on the Get Started button and fill out the short form.

The time required for the borrowed funds to be disbursed depends on the lender, but it typically takes just a few days. 

Privacy and Safety

Obtaining electronic signature loans with no credit check at Bad Credit Loans is perfectly safe. Most of the customer reviews posted in online forums applaud the platform and recommend it to others.

To protect your data from getting into the wrong hands, the company uses advanced encryption technology along with several other security measures. It collects only the most relevant information, and after you submit a loan request, you can limit the amount of personal data that’s being shared.

Reasons to apply:

  • No minimum income requirement
  • No fees
  • Adjustable data sharing 
+ Show more
Read Full Review

LoansUnder36 Review

Quick Facts
4 stars Our Rating
Years in Business:
5
APR:
5.99%-35.99%
Loan Term:
61 days-6 years
Minimum Loan Amount:
$500
Maximum Loan Amount:
$35,000
Fees:
None
Income Requirement:
Steady source of income
Funding Time:
One business day

LoansUnder36 is a loan marketplace that does exactly what its name suggests: It connects borrowers and lenders who are offering signature loan rates of up to 35.99% and $35,000. The goal is to connect you with a lender while protecting you from unfair and illegal practices. 

Loan Conditions

It’s worth mentioning that LoansUnder36’s service - connecting you with selected lenders from its network of partners - is free of charge. Of course, fees from lenders may apply. 

The lending period ranges from 61 days to 72 months, with a payment frequency of once or twice per month.

Depending on your creditworthiness, the repayment period, and the size of the personal unsecured loans you take out, the APR can range from 5.99% to 35.99%. Loan amounts are $500 to $35,000. 

If you pay your debt off early, you may face a prepayment penalty. The size of the penalty varies from lender to lender. 

Eligibility

While applicants with a higher credit score and better repayment history will be offered more favorable rates, there is no minimum credit score for applying.
LoansUnder36 suggests checking to ensure you meet these requirements before applying for a loan:

  • Active bank account
  • 18 years of age
  • US citizenship
  • Stable employment or another verifiable source of income
  • Social Security number

Depending on the state you live in, there may be some additional requirements. 

No credit check for a loan you applied for will have an impact on your credit score. Lenders perform a “soft” pull for your data to prepare the opening offer. 

Application and Funding Time

The initial application is processed online, and it takes only a few minutes. Personal and financial information is used only to find the right loan; the website keeps your data safe and encrypted. With a wide network comprising hundreds of lenders, you are likely to be offered a loan with an APR and repayment terms that suit you best.  

The granted funds from single-payment loans can be available quickly. Many borrowers receive their funds within a single business day.

Privacy and Safety

Security of your data is quite important, and LoansUnder36 takes it very seriously. Your information is encrypted via Comodo Secure 256-bit SSL/TLS when you are filling out the online form to find the appropriate lender. 

Reasons to apply:

  • Fast, secure service
  • Anyone can apply
  • One application yields multiple loan offers
  • No application fee
+ Show more
Read Full Review

5kFunds Review

Quick Facts
4.5 stars Our Rating
Years in Business:
5
APR:
5.99%-35.99%
Loan Term:
61 days-6 years
Minimum Loan Amount:
$1,000
Maximum Loan Amount:
$35,000
Fees:
None
Income Requirement:
Steady source of income
Funding Time:
One business day

If you want to find online signature loans with no credit check (or, more precisely, only a “soft” credit check), try 5kFunds. 

Since 5kFunds is a loan marketplace, borrowers will have the option of choosing from more than 100 lenders as they search for a rate, term, and other details that are ideal for them.

Loan Conditions

Lenders on 5kFunds generally offer a repayment period from 61 days to 6 years. Payments can be made biweekly or monthly. Creditworthiness, the size of the loan, and the repayment period will have an impact on your APR, which can range from 5.99% to 35.99%. The minimum signature personal loan that you can apply for is $1,000, while the highest amount lenders will give you is $35,000. 

As a gateway to your loan provider, 5kFunds doesn’t charge any fees for submitting an application. 

Eligibility

Depending on the lender and the state you live in, some additional requirements might be needed. Otherwise, all lenders will require you to meet the following criteria to qualify for a loan:

  • A bank account with direct deposit
  • 18 years of age
  • US citizenship
  • A steady source of income
  • Social Security number

Lenders on 5kFunds provide signature loans for bad credit scores as well as good ones. There is no minimum credit score required to apply, but your score will influence the terms of any loans you are offered. 

Application and Funding Time

After filling out an online form where you provide the required financial and personal information, 5kFunds will solicit offers from its network of lenders. You will receive a list of offers so you can find the most appropriate loan for your circumstances. 

When you are approved for the signature loan, funds are wired to your bank account within 24 hours from the signature loan providers of your choice. 

Privacy and Safety

Any information you submit at 5kFunds is subjected to SSL/TLS encryption bearing the Comodo Security seal, so you can be sure that it is protected and private. 

Because the company is a marketplace for lenders, any information that is relevant to your signature loan will be shared with 5kFunds lenders so they can provide you with the best loan offer. 

Reasons to apply:

  • Fast loan funding
  • Multiple lenders with one application
  • No credit rating requirements
  • Offers submitted at no charge
  • Inquiries have no impact on credit score
+ Show more
Read Full Review

Monevo Review

Quick Facts
5 stars Our Rating
Years in Business:
11
APR:
1.99%–35.99%
Loan Term:
3 months-12 years
Minimum Loan Amount:
$500
Maximum Loan Amount:
$100,000
Fees:
None
Income Requirement:
Steady source of income
Funding Time:
One business day

Are you looking for multiple offers from lenders, guaranteed loans, and no credit check to lower your credit score? Monevo could be a great lending marketplace for you.

Monevo has been an established presence in the lending world since 2009 when it was founded in the UK. It expanded to the US in 2017. This award-winning platform can provide real-time custom offers instead of the preset options you get at many lender networks.  

Loan Conditions

Loan offers from lenders start at 1.99% and range up to 35.99%, with loan durations from 90 days to 12 years. Loans range from $500 to $100,000, depending on what you intend to do with the funds. Offers from 30 top lenders and banks across the country will be available for you to choose from. 

Eligibility

No credit check for online loans will influence your FICO score. Even borrowers with bad credit scores can apply. Keep in mind that your score will influence the number of offers you get and how favorable they are. To apply, you need to be an American citizen of at least 18 years of age and have an active bank account.

Application and Funding Time

For the “soft” credit pull that is conducted as part of the prequalifying process, you will need to provide Monevo with certain personal and financial information relevant to your application. This won’t lower your credit score, but it will significantly reduce the time needed to get multiple offers with an easy online loan application.

Privacy and Safety

Don’t worry about your data when you fill out the form on the Monevo website. With an SSL certification from GeoTrust and 256-bit encryption, Monevo keeps you safe from malicious activity while searching for a personal loan. 

Reasons to apply:

  • Award-winning platform with real-time offers
  • Loan amounts of up to $100,000
  • Multiple lenders
  • Free of charge
  • No credit score impact
  • Borrowers with all credit ratings are eligible
+ Show more
Read Full Review

Credible Review

Quick Facts
4.5 stars Our Rating
Years in Business:
8
APR:
4.99%-35.99%
Loan Term:
1-7 years
Minimum Loan Amount:
$600
Maximum Loan Amount:
$100,000
Fees:
None
Income Requirement:
Steady source of income
Funding Time:
One business day

Are you weighing your options and trying to find the best signature loans or student loans online? Trying to refinance a student loan or a mortgage? Maybe you are just in the market for a new credit card. The best place to start looking is a loan marketplace, and Credible has lenders for all types of borrowers. 

Loan Conditions

Lenders on Credible offer personal loans with an APR between 4.99% and 35.99%. The repayment period lasts from 12 to 84 months. Some of the lenders on Credible lend as much as $100,000. The amount you can borrow will depend mostly on your debt-to-income ratio. Signature loans with poor credit are possible as well, but you’ll pay a higher APR due to increased risk to the lender.   

Credible doesn’t charge any fees for connecting you with lenders within its marketplace. However, some lenders may charge an origination fee of up to 8%. 

Eligibility

Specific eligibility requirements aren’t listed on Credible’s webpage. Keep in mind that to apply with a lender on the Credible marketplace you will need to meet basic requirements: 

  • 18 years or older
  • US citizen
  • Active checking account

Multiple lenders on Credible will have different requirements for borrowers, depending largely on credit history. That’s why Credible suggests a few steps to prepare before applying for a personal loan. These are: 

  • Appraise your credit score
  • Evaluate whether the loan is affordable
  • Review your offers

Application and Funding Time

Applying for online signature loans is a great way to get multiple offers with just a single “soft” credit check. That means there will be no impact on your credit score, and you will receive multiple offers to choose from. This will save you the time and paperwork you would otherwise endure going from one lender to another. You’ll need to provide: 

  • Personal information (name, date of birth, education)
  • Financial information (annual income, expenses, employment information)
  • Social Security number
  • Desired loan amount

Keep in mind that after you have prequalified for a loan, lenders may conduct a hard credit check. Loans are funded directly to your bank account and paid within one workday at most legitimate loan companies. 

Privacy and Safety

Any communication between you and Credible is protected via industry-standard transport-layer security (SSL/TLS). This means that any sensitive information you submit is not readable for anyone except Credible. 

Credible shares your information with lenders. You can find details on how to limit data sharing in the company’s privacy policy. 

Reasons to apply:

  • Multiple loan types and lenders in one marketplace
  • No impact on credit score for applying
  • Loans of up to $100,000
  • No fees
+ Show more

CashAdvance.com Review

Quick Facts
4 stars Our Rating
Years in Business:
22
APR:
5.99%–35.99%
Loan Term:
90 days–72 months
Minimum Loan Amount:
N/A
Maximum Loan Amount:
$10,000
Fees:
None
Income Requirement:
None
Funding Time:
Depends on lender

CashAdvance.com was founded in 1997, and over the years, the company has accumulated invaluable experience in helping customers secure signature loans for poor credit. When you find yourself in a financial predicament, choosing CashAdvance.com as your ally can bring you a step closer to a more stable future.

Loan Conditions 

When you’re getting a personal loan, you should set some time aside to make an informed decision about the lender. Make sure to select a service that offers conditions for loans with no credit which are suitable for your unique needs. 

The company can’t give you an exact estimate of your APR. This is determined by the lender, and it can range from 15% to 1,564%. The loan term is somewhat short but still quite reasonable – it can vary from a week to a year. The maximum loan amount that CashAdvance.com offers is only $1,000.

Eligibility

You’ll be glad to know that with CashAdvance.com, you’re free to apply for a loan regardless of your credit score. But that doesn’t necessarily mean that its network of signature loans with no credit check lenders will approve your request. 

To apply for a loan, you must meet certain requirements. You have to be a US citizen or permanent resident, at least 18 years old, with a steady income of at least $1,000 after taxes. You must provide a valid phone number and an email address.

Application and Funding Time

Getting in touch with a potential lender through CashAdvance.com is an extremely quick and straightforward procedure. Filling out the form on the company’s website is how you formally submit a request for loans with no credit check. The company then provides a list of options from several lenders. After accepting an offer, you’ll get the loan in one or two business days.

Privacy and Safety

CashAdvance.com uses 256-bit encryption to protect your personal information. The company is certified by two independent services, which underscores its commitment to keeping your data secure. The site is also tested daily by Comodo Security Solutions to ensure that your information is protected from hackers. That’s why there should be nothing stressful about requesting no credit check personal loans through CashAdvance.com. 

Reasons to apply:

  • Accepts borrowers with all credit scores
  • Quick, straightforward service
  • High level of security
+ Show more

LendUp.com Review

Quick Facts
4 stars Our Rating
Years in Business:
22
APR:
5.99%–35.99%
Loan Term:
90 days–72 months
Minimum Loan Amount:
N/A
Maximum Loan Amount:
$10,000
Fees:
None
Income Requirement:
None
Funding Time:
Depends on lender

LendUp is the newest company on our list, and its services are the most costly. But don’t let that discourage you from considering it. No credit check loans and direct lenders that offer these loans often lack transparency. That’s not the case with LendUp, which leverages technology to deliver a new level of innovation. 

While most borrowers see signature loans as a last resort due to their high APRs and short repayment schedules, rest assured that you’ll be well taken care of if you choose LendUp’s services.

Loan Conditions 

Don't let the steep APR (214.13%–917.71%) nor the short repayment period (7–30 days) scare you away. LendUp isn’t unreasonable when it comes to repayment terms. If you can’t make your loan payment on time, you can get an extension or enter into a payment plan. Either way, getting short-term loans online with no credit check from LendUp isn’t as perilous as it may seem at first glance.

If you make consecutive timely payments, you’ll earn points that eventually lead to lower APRs and larger loans. Top-tier members of the LendUp rewards program are entitled to an extra perk: The company will report their responsible financial behavior to the three credit bureaus. Unfortunately, the LendUp Ladder program isn’t available in all states.

You won’t encounter any additional fees. Just focus on paying off your principal amount by making prompt monthly payments, which should be between $100 and $255. 

Eligibility

Now that we’ve clarified the terms of your potential no credit check online loans, we should inform you about the requirements. Understandably, you have to be 18 years old and you must possess an active checking account. Additionally, you must reside in a state where LendUp operates. Contrary to what you read in online discussion forums, you don’t have to be on active military service.

Application and Funding Time

One thing that makes this lender appealing is the speed at which it processes loan applications. After filling out a short application form, you’ll instantly receive a reply.

LendUp has optimized its services for speed, so you shouldn’t be surprised to see funds deposited into your account within a single business day. 

Privacy and Safety

All legitimate loan companies have exceptional security standards, and LendUp is no different. It uses 128-bit SSL encryption, which means that you’ve got nothing to worry about. 

As is common with quick cash lenders, user reviews are a mixed bag. But that doesn’t mean that the company is a sham. Most negative reviews were written by customers who weren’t expecting high APRs. Thanks to our review, you’ll be prepared.

Reasons to apply:

  • Good rewards program
  • Credit score improvement
  • Loan extensions and payment plans
+ Show more

Our Guide to Understanding Signature Loans Without a Credit Check Requirement

Before you begin your search for the best no credit check loans, you have to know exactly what you’re looking for and get acquainted with the field’s jargon. The world of finance has expanded exponentially in recent decades, and keeping up with the new lingo can be challenging. Therefore, we’ve compiled a short guide that will help you in your loan hunt. 

What is a signature loan?

First things first. A signature loan is an unsecured personal loan. They are sometimes called good faith loans. No credit check signature loans don’t require a hard inquiry into your credit reports. A hard inquiry can reduce your credit score by up to five points. Loan companies that don’t perform a hard inquiry conduct soft credit checks that are much less invasive and don’t impact your credit score. When you decide on a lender that works for you, they may perform a hard credit check before you are approved for the loan. 

How do signature loans work?    

You can take out a signature loan for a long list of expenses, including vacations, home renovations, debt consolidation, large purchases, and emergency medical expenses.

Lenders normally examine your credit and income. Based on their evaluation, they offer the appropriate signature loan rates, terms, and amounts. Loan rates for signature loans tend to be steeper and loan amounts smaller, with relatively short repayment terms, compared to conventional loans. When you’re applying for a loan with no credit check, the conditions are even less favorable.

The upside of signature loans is that they are convenient and are often deposited into your account in a day or two. These are also considered a safer alternative to payday loans, which is another unsecured loan option. Payday loans are single-payment loans that usually have to be paid back by your next payday.

How to get a signature loan that doesn’t require a credit check?

Before you request any kind of loan, you should take a good look at your finances. Sometimes a loan might make things worse, or maybe you’re doing better than you thought and you should consider a more manageable type of loan.

Your next move should be comparing lenders and lending platforms. In this case, we’ve done the reviewing for you, but you can always check out additional options outside of our signature loans with no credit check list. If you decide to do so, follow our methodology.

Who should consider a signature loan that doesn’t require a credit check?

This loan type is specifically tailored to those with poor credit scores. It can also be a useful tool for repairing your credit score if used wisely. However, for credit score reparations, we recommend consulting an expert.  

Lastly, don’t get personal unsecured loans if you haven’t planned out your spending in advance. Those who know that handling money isn’t their strong suit or people who are simply new to managing their own funds might want to look for alternative solutions.

FAQ
Can you get a signature loan with no credit? +

You can definitely get a signature loan with no credit, but it usually comes with a high-interest rate. This is a common practice among lenders that provide loans to people with bad credit or no credit history at all. It’s their way of generating revenue and managing risk. Keep in mind that there’s no such thing as guaranteed signature loans for bad credit.

Where can I get a signature loan? +

Aside from banks and credit unions, which are considered traditional lenders, you can also submit a request with various lending companies. Some of them are direct lenders, while others serve as online lending platforms that connect you with a network of partners based on the information you submit. We suggest you take a look at CashUSA.com for easy loans with no credit check.

Can I get a tribal loan with bad credit? +

Yes, this is precisely the point of a tribal loan: if you’re in need of a small amount of money that you’ll be able to pay back quickly and you have bad credit or no credit history, a tribal loan can solve your problem. We should mention that according to the US Consumer Financial Protection Bureau, the term ‘tribal payday loans’ doesn’t have a specific legal meaning, and the only difference between a tribal loan and a payday loan is that you can apply for the former with companies exclusively located on tribal land. This gives way to riskier situations for borrowers, so we recommend you look at our best signature loans with no credit check list instead of opting for a tribal loan.

What credit score is needed for a signature loan? +

To get your request for a signature loan approved, you’re usually expected to have a credit score of at least 660.