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Signature Loans With No Credit Check
Best Options in 2020

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 actually a far less perilous option. We’re talking about companies that can help you secure signature loans with no credit check requirements.

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Top 3 Picks

Top 3 Picks

CashUSA.com

Large loan amounts

Simple eligibility requirements

Safe and secure website

Apply Now READ REVIEW

BadCreditLoans.com

Fast service

Advice on loan spending

Easy application process

Apply Now READ REVIEW

CashAdvance.com

Large network of lenders

Helps with reporting illicit lenders

Educational resources

Apply Now READ REVIEW

4 Best Signature Loans With No Credit Check

1. CashUSA.com

Large loan amounts

Simple eligibility requirements

Safe and secure website

Apply Now

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CashUSA.com is a trustworthy 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.com isn’t a hassle.

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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:

At least $1,000 after taxes

Funding Time:

One business day

2. BadCreditLoans.com

Fast service

Advice on loan spending

Easy application process

Apply Now

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The name says it all. BadCreditLoans.com 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.

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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 a lender

3. CashAdvance.com

Large network of lenders

Helps with reporting illicit lenders

Educational resources

Apply Now

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CashAdvance.com 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 is able to provide you with nearly-guaranteed loans with no credit check.

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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 monthly after taxes

Funding Time:

One to two business days

4. LendUp.com

Fully transparent business operations

24/7 mobile access

Instant decisions

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

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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

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 and offer signature loans with no credit check.

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

Loan Conditions

It goes without saying that you should always try to secure a loan with the best conditions possible. However, signature loans are considered high-risk for lenders as they don’t require any collateral aside from your signature. As such, 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 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.

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 or 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 the funds within a single business day.

Privacy and Safety

Last but certainly not least, our methodology would be incomplete if we didn’t evaluate the level of safety and privacy. This is a crucial step that should never be overlooked. There are numerous scammers out there that use names of legitimate companies in order to trick you into giving them your hard-earned cash.

Therefore, acquiring signature loans online can be hazardous, which is why you should keep an eye out for any red flags. For example, if the company appears to be brand new, you should probably avoid it, as it might be fraudulent. Another thing to examine are customer reviews. Feedback from previous borrowers can be invaluable for determining if a service provider is involved in any 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.

Top 4 Online Signature Loans with No Credit Check:

Detailed Reviews

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

Loan Conditions

Getting a no credit check loan with CashUSA.com involves zero fees, which is an important thing to have in mind when looking for an urgent financial fix. However, the lenders may include some extra charges.

As far as APR goes, it 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 between 90 days and 72 months. Your qualifications determine the loan term. When compared to other lending services, CashUSA.com is quite generous with its maximum loan amount, which can go up to $10,000.

Eligibility

As a potential borrower, there are several prerequisites you need to meet to be able to submit your request with CashUSA.com. 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 you’ve paid 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.com understands the urgency in these situations and guarantees customers that they’ll get their money in one business day after applying for no credit check loans.

Privacy and Safety

CashUSA.com keeps your private information safe by using a standard encryption and other security measures. There is also a table with explanations about what information is shared and why. It’s worth mentioning that all the information sharing is solely for business purposes.

The company even lets you limit the sharing of your personal information, but you can only do so after you’ve submitted your request. Overall, applying for signature loans online is a carefree process with CashUSA.com.

Reasons to Apply

Quick and transparent

No obligations towards the lender prior to accepting offer

Funding in one business day

Safe and secure

During its 23 years in the business, BadCreditLoans.com has been refining its services to accommodate 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. As is the case with all lending platforms, BadCreditLoans.com can’t be certain that its lenders will be as lenient.

The 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 between 90 days and 72 months.

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

Eligibility

The best part about the eligibility criteria at BadCreditLoans.com is that there’s no minimum income requirement. You do need to have regular earnings of some kind, be it 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 BadCreditLoans.com takes no more than five minutes of your time. Just click on the Get Started button and fill out the short form.

The amount of time required for the loan 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 by using BadCreditLoans.com is perfectly safe. Most online customer reviews 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 only collects 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

Easy application process

CashAdvance.com was founded in 1997, and over the years, the company 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 can range anywhere between 15% and 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 $1000.

Eligibility

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

In order 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, have a steady income of at least $1,000 after tax payments, and provide a valid phone number and email address.

Application and Funding Time

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

Privacy and Safety

CashAdvance.com uses 256-bit encryption to protect your personal information. In addition, 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 to ensure that your information is protected from hackers. That’s why there’s nothing stressful about requesting no credit check personal loans through CashAdvance.com.

Reasons to Apply

Accessible to all credit types

Quick and straightforward service

High level of security

Large network of lenders

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

While most borrowers see it as the last resort due to its high APR and short repayment terms, 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.com isn’t unreasonable when it comes to its 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.com 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 higher loan amounts. The top tier members of the rewards program are entitled to an extra perk: LendUp.com will report their responsible financial behavior to the three credit bureaus. Unfortunately, the LendUp Ladder isn’t available in all states.

You won’t encounter any additional fees. Just focus on paying off your principal amount, which can be anywhere between $100 and $255 with interest.

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 possess an active checking account. Additionally, you must reside in a state where LendUp.com operates, and you don’t have to be an active military service member.

Application and Funding Time

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

LendUp.com 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.com is no different. It uses 128-bit SSL encryption, which basically 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

Rewards program

Credit score improvement

Loan extensions and payment plans

Instant decisions

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 most prominent terms. The world of finance 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. These 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 up to five points. Loan companies that don’t perform a hard pull conduct soft credit checks that are much less invasive and don’t impact your credit score.

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, and based on their evaluation, 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. 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 more manageable loans.

Your next move should be comparing lenders/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 or bad 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 that 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 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. 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 to be 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 their 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 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.