Fortunly's Guide
Advertiser Disclosure

Best Signature Loans With No Credit Check

Written By
G. Dautovic
Updated
October 01,2024
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

Wouldn’t it be nice if you could just sign a piece of paper and someone handed 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. What’s best is that you can get multiple offers with one soft credit check from the lending marketplaces we have reviewed for you.

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Top No-Credit Check Signature Loans for October 2024

Best for: small loans

LoansUnder36

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

LoansUnder36 Logo
OVERVIEW

LoansUnder36 is a perfect name for this lending marketplace and its network of lenders with APRs that don’t surpass 35.99%. Offering affordable loan programs while maintaining fair business practices is practically a recommendation all by itself. Read more

  • Fast, secure service
  • Anyone can apply
  • One application yields multiple loan offers
Apply Now
On Official Website
Read In-Depth Review
Years in Business:
10+
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

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

5kFunds Logo
OVERVIEW

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 more

  • Multiple lenders with one application
  • No credit rating requirements
  • No charge for receiving offers
Apply Now
On Official Website
Read In-Depth Review
Years in Business:
10+
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: low-income borrowers

BadCreditLoans.com

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

BadCreditLoans.com Logo
OVERVIEW

The name says it all. Bad Credit Loans won’t punish you for having an inadequate score. 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 more

  • Fast service
  • Advice on loan spending
  • Easy application process
Apply Now
On Official Website
Years in Business:
20+
APR:
See terms
Loan Term:
90 days–72 months
Minimum Loan Amount:
$500
Maximum Loan Amount:
$10,000
Fees:
None
Income Requirement:
None
Funding Time:
Depends on lender
Best for: quick and transparent process

CashUSA.com

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

CashUSA.com Logo
OVERVIEW

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 is completely hassle-free. Read more

  • Large loan amounts
  • Simple eligibility requirements
  • Safe and secure website
Apply Now
On Official Website
Years in Business:
20+
APR:
See terms
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: application process

CashAdvance.com

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

CashAdvance.com Logo
OVERVIEW

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 more

  • Large network of lenders
  • Helps with reporting illicit lenders
  • Educational resources
Apply Now
On Official Website
Years in Business:
20+
APR:
See terms
Loan Term:
90 days–72 months
Minimum Loan Amount:
$200
Maximum Loan Amount:
$10,000
Fees:
None
Income Requirement:
$1,000 per month after taxes
Funding Time:
One to two business days
Quick Breakdown

6 Best Guaranteed Signature Loans for Bad Credit:

  • LoansUnder36 - Best for borrowers seeking smaller loans
  • 5kFunds - Best amount of lenders in a single marketplace
  • BadCreditLoans.com - Best for borrowers with a low income
  • CashUSA.com - Best for quick and transparent process
  • CashAdvance.com - Best for borrowers that are looking for an easy application process

Detailed Reviews of Online Signature Loans with No Credit Check

LoansUnder36 Review

Quick Facts
4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Years in Business:
10+
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 loans with sums up to $35,000 at rates of up to 35.99%. 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 bimonthly or monthly payments. Depending on your creditworthiness, the repayment period, and the size of the 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, which 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 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. Lenders perform a soft pull for your data to prepare the opening offer, which doesn't impact your credit rating. 

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 can be available quickly. What’s more, many borrowers receive their funds within one business day.

Privacy and Safety

Security of your data is quite important, and LoansUnder36 takes it quite 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

5kFunds Review

Quick Facts
5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Years in Business:
10+
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

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 $500, 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, there might be some additional requirements. Otherwise, all lenders will ask you to meet the following criteria to qualify for a loan:

  • Bank account with direct deposit
  • 18 years of age
  • US citizenship
  • Steady source of income
  • Social Security number

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 loan, funds are wired to your bank account within 24 hours from 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 loan will be shared with 5kFunds lenders so they can provide you with the best 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

BadCreditLoans.com Review

Quick Facts
4.5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Years in Business:
20+
APR:
See terms
Loan Term:
90 days–72 months
Minimum Loan Amount:
$500
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 have been able to avoid financial ruin thanks to this lender network. 

Loan Conditions 

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

Lenders offer loans with APRs that range from 5.99% to 35.99%. The minimum loan amount is $500 and maximum amount 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. You need to be over 18, provide proof of citizenship, have a checking account, and input 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 loans 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

CashUSA.com Review

Quick Facts
5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Years in Business:
20+
APR:
See terms
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 online with no credit check 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 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.

The APR depends solely on the lender and can range from 5.99% to 35.99%. This will be calculated based on the information you provide in your loan application and the lender’s criteria as they 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 can be anywhere from 90 days to 72 months. Your qualifications determine the loan term. Compared to other lending services, CashUSA is quite generous with its maximum loan amount, which can be 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 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 email address.

Application and Funding Time

To apply for a 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.

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 ultimately for 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.

Reasons to apply:

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

CashAdvance.com Review

Quick Facts
4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Years in Business:
20+
APR:
See terms
Loan Term:
90 days–72 months
Minimum Loan Amount:
$200
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

The company can’t give you an exact estimate of your APR, as this is determined by the lender. 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 $10,000.

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 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 a quick and straightforward procedure. You can fill out the form on the company’s website to formally submit a request for a loan. The company will then provide 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.

Reasons to apply:

  • Accepts borrowers with all credit scores
  • Quick, straightforward service
  • High level of security
+ 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. It is sometimes called a good faith loan. Thankfully, no credit check signature loans don’t require a hard inquiry into your credit reports. Keep in mind that 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. However, 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 these 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. 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.

Evaluation Criteria

How We Evaluate Signature Loan That Don't Require a Credit Check

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 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 compared to a secured loan. 

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 attained good credit. The downside of not undergoing a credit check with credit bureaus is that you’ll usually be offered relatively short-term loans at high interest. 

In our research, we focused on locating loans with the lowest APRs that are coupled with reasonable repayment times. As it’s a serious commitment, 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 suitable for 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’ll pay special attention to companies that enable you to make quick loan requests

The same goes for funding times – the sooner you can get your hands on the money, 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 not be complete without an evaluation of the level of safety and privacy provided by the vendors we assessed. This is a crucial step that should never be overlooked, as there are many scammers out there who use the names of legitimate companies to trick you into thinking they are the real deal.

As a result, acquiring signature loans online can be risky - which is why you should keep an eye on potential 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.

FAQ

Can you get a signature loan with no credit?

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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?

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Aside from banks, other financial institutions, 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?

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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. 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?

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