No Credit Check Loans

Have you been rejected by traditional lenders because of your bad credit score? Apply through US Installment Loans and get access to industry-leading lenders that offer no hard credit check loans.

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  • Any Credit Score Considered
  • Swift Approval Decision
  • Safe & Secure

When you’re standing on the edge of your savings, and another unexpected expenditure hits you out of nowhere, you need a loan and fast. Getting a loan is as simple as you’d think nowadays, but only with an exceptional credit score along with other eligibility factors. If your credit score is on the bad end, that’s when things get messy. A no hard credit check loan may be what you’re looking for in these times of need. Find out everything you need to know about getting no hard credit check loans using this guide.

Why Is a Credit Check Necessary for Banks?

Anyone open to the idea of lending money would want surety that they’ll get repaid in a certain duration. Whether it’s a loved one or a bank, lending a loan is a risky business, and they would want to evaluate the risks.

Banks perform credit checks to see your creditworthiness, which, in return, determines if you can actually repay the loan amount you’re requesting.

Not only is this important for banks to assess their risk, but to prevent a potential borrower from falling into a debt cycle and facing bankruptcy. Therefore, people with low credit scores are at a higher risk and often get rejected by traditional lenders.

What Is a No Credit Check Loan?

No credit check loan is a short-term loan that involves a soft credit check only, instead of a hard credit check as some loan types require.

A soft credit check is when the lender pulls and overviews your credit history, but it doesn’t get recorded on your credit history or affect your credit score. Alternatively, a hard credit check is entered on your credit records, bringing the score down.

On US Installment Loans, our partner lenders only perform a soft search so your credit score won’t take a hit during the loan application.

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Common Types Of No Hard Credit Check Loans

Loans without hard credit checks come in different shapes and sizes. If you’re planning on getting one, it helps to know the types you can apply for beforehand to make a choice that suits your requirements.

Personal Loans

When you need a loan that you can repay within several months instead of a lump sum due after 2-3 weeks, personal loans are your savior in disguise. You can borrow higher loan amounts up to $35,000 with a repayment period of up to 72 months, at best.

Payday Loans

For urgent expenses, you need a quick solution for temporary financial assistance. Payday loans are short-term loans that can get you through the money crisis until the next paycheck.

Car Title Loans

Car title loans are another no hard credit check loan where you need to hand over your car’s title, clean or salvaged, as collateral until the loan is fully repaid. You can borrow larger amounts up to $35,000 with this loan type.

Bad Credit Loans

Most applicants looking for a no hard credit check loan have a bad credit score. Bad credit loans enable such applicants to get an unsecured loan type with high acceptance rates from online lenders that don’t consider credit scores as a primary qualification factor.

How to Get a Loan Without Hard Credit Checks?

You can get a loan without a hard credit check through US Installment Loans. We’ve made the process simple, quick, and secure, so you don’t have to stress about loan applications along with your financial burdens.

Click here to see the application form. Fill it in with your personal and banking information, and before you worry about not having the time, it only takes 3 minutes! Receive offers from our partner lenders within minutes of submitting your application.

Take your time and compare the offers before deciding on a lender. The lender will go over the final steps to check whether you qualify before sending in the official agreement. You’ll receive the money in your bank account within a few days at most.

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Advantages of Choosing US Installment Loans for "No Credit Check Loans"

When every other lender and online broker is promising the best services, you need one that sticks to their word. US Installment Loans offers numerous advantages that’ll win you over.

Competitive Rates

You can’t take the first road you see when searching for a no hard credit check loan offer. Lenders have different rates, and with us, you have the power in your hands to compare multiple offers from a pool of lenders to find the best deal for your needs.

Speedy Process

Waiting for days, or sometimes weeks, to hear back from a traditional lender on your loan request? No more! The application process on US Installment Loans takes only a few minutes, and you can receive offers and approvals quickly from our lenders.


Imagine going to a bank, standing in a long line, and just when your turn comes, the bank managers declare it's wrap-up time. You won't have to go through any of this hassle with US Installment Loans by applying through our 24/7 online service from the comfort of your home.

Reputable Lenders

Last but definitely not least. With US Installment Loans, you won't have to worry about scammers in lenders' hide. We connect you to the most reputable and trustworthy lenders who offer loans at competitive rates.

How Does US Installment Loans Compare?

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How much do I qualify for?Up to $35000Competitive rates
What's the max loan length?Up to 36 monthsFast decisions
Do lenders check my credit?YesSoft credit checks
All credit levels accepted?YesBad credit doesn't matter
Chances of approvalGoodHigh approval rates
When am I allowed to apply?24/7 onlineEasy application
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How Can I Increase My Chances of Loan Approval?

The worst thing that can happen to you during a financial crisis, other than, of course, another sudden expense, is your loan request getting rejected. Here are a few steps to improve your loan approval chances:

Verify Sustainable Income

This might come as surprising, but you're not the only one who loves a fat cheque on your payday. Your lender will be equally pleased after you show proof and verify a stable income.

Clear Previous Loan Debts

If you were in your potential lender's place, even you would be worried about loaning out money to someone who hasn't cleared their previous debts. Clearing your previous loan debts can improve your chances of getting approved.

Request Sufficient Loan Amount

Imagine you need a thousand dollars, but you don't earn enough to repay it within a few months. So, instead of requesting an amount that’ll result in a default, request a sufficient amount that is easily repayable for you.

Close Unused Credit Cards

Lastly, make sure you do not go for a loan application having several bank accounts. Make a list of the accounts or credit cards that you don't use frequently, and take the time out to close them. Don't worry! If Rachel from "Friends" can cut a credit card, you can too.

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Get a No Hard Credit Check Loan Right When You Need One!

Get rejected by traditional financial institutions? Apply through US Installment Loans right away to get access to a large network of lenders ready to help you out.

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