No Credit Check Loans for Fast Cash and Bad Credit 

Need cash quickly but know that your credit score leaves a little something to be desired by lenders? Consumers who need cash now but don’t have the credit can find themselves tied up financially. Many lenders have entered into the gap to assist by offering a variety of no credit check loans.

Payday loans, no credit check required, have become commonplace to help consumers find cash fast. They loan you small sums of money up front with the understanding that it will be repaid upon your very next payday. Similarly, no credit check installment loans offer the same service but to be repaid over a longer loan term.

Best No Credit Check Loans

Award Emblem: Top 5 Best No Credit Check Loans

Depending on how much you need to borrow and how quickly you can repay it, there are a variety of no credit check payday loans available. How do you know whether you’re looking at a reputable company or succumbing to predatory interest rates?

AdvisoryHQ has noticed the rising popularity of no credit check loans. In an attempt to educate consumers about the potential pitfalls and perks of the various payday loans without credit check, we’ve compiled this detailed ranking and review of the top five best loans with no credit check.

If you know that you need no credit check loans or you may be searching for them in the near future, take a look at our ranking of the top five best no credit check loans in the reviews listed here.

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AdvisoryHQ’s List of the Top 5 Best Loans with No Credit Check

List is sorted alphabetically (click any of the loan company names below to go directly to the detailed review section for that loan company):

Top 5 Best Loans with No Credit Check | Brief Comparison & Ranking

No Credit Check Loan Companies

Loan Amount

Loan Term

ACE Cash Express

Up to $1,500

Next payday

Blue Trust Loans

Up to $1,250

Up to 6 months

Cash America Today

$600 for first-time customers, up to $1,000 for returning customers

Next payday


Up to $2,600

Up to 18 months


Up to $1,000


Table: Top 5 Best Loans with No Credit Check | Above list is sorted alphabetically

What Is the Difference between Payday Loans and Installment Loans?

While some companies may use the terms “payday loans” and “installment loans” interchangeably, the two have vastly different definitions. Before we can begin to evaluate the top no credit check loan choices available today, you’ll need to know what the difference is.

Payday Loans vs Installment Loans

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Payday Loans

No credit check payday loans typically offer small value loans to consumers who need cash in a hurry. Companies offering payday loans without credit check frequently have minimums that start very low, including no credit check loans of just $100.

Because the minimum lending amount is so low, payday loans—no credit check or otherwise—require you to repay them on your very next payday. The 14-day loan terms allow the lenders to charge extremely high interest rates to make lending for these short-term periods worth their time. Payday loans, no credit check, are frequently viewed as costly alternatives to personal loans.

Installment Loans

No credit check installment loans are slightly different from no credit check payday loans. They tend to feature higher loan values, with possible values ranging into the thousands.

The primary difference between no credit check installment loans and no credit payday loans is the length of time it takes to pay back the loan. Loans can be spread out for six weeks or six months, depending on the lender. Monthly or weekly payments are made until the loan is paid in full.

Many times, you will see lower interest rates on these types of no credit check loans simply because lenders can make more money over the duration of the loan term. Keep an eye out for prepayment fees on this type of loan. Should you decide to pay back the no credit check loans in full before the end of your term, you could be hit with an additional fee.

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AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.

Detailed Review—Top-Ranking Best Loans with No Credit Check

Below, please find the detailed review of each loan on our list of no credit check loans. We have highlighted some of the factors that allowed these payday loans with no credit check to score so high in our selection ranking.

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ACE Cash Express Review

For no credit check loans with flexible amounts and in-store options, ACE Cash Express offers some of the best installment loans with no credit check.

Loan Terms

When you search for payday loans, no credit check, the options available through ACE Cash Express are relatively easy to come by. You can apply online or in-store, with differing loan amounts available for these two options. Depending on how much cash you need from no credit check loans, you may want to find your way to a local branch office for more traditional service.

Loan amounts vary by state, with online no credit check loans ranging from $100 to $1,500. When you apply in store, you can find payday loans, no credit check, from $100 to $1,000 in many of their stores.

These loans with no credit check are due on your next approved payday. You can repay your loan amount in full either online or in store based on your preference and convenience.

Interest rates will vary based on location and state. In our example, we investigated the APRs available in the state of Ohio. Assuming a 14-day loan term, your APR could range from close to 700% all the way to 800% based on your loan amount and term.


ACE Cash Express has a few requirements necessary for these no credit check payday loans that aren’t terribly stringent. Most individuals who are searching for payday loans with no credit check should be able to meet these criteria:

  • Recurring source of income to repay your loan
  • Must not be a debtor or involved in a bankruptcy filing
  • Must have a valid social security number and taxpayer ID
  • One-month old or older checking account or savings account
  • Ability to be contacted via phone
  • Proof of income or bank statement
  • Government-issued ID

These are relatively simple requirements that allow you to qualify for loans with no credit check whatsoever. If you have a need for no credit check loans, you will want to ensure that you meet all of the requirements prior to applying. Be sure to check the website, as some requirements differ between in-store eligibility and online eligibility.

Blue Trust Loans Review

Blue Trust Loans provides an online solution for individuals in search of no credit check direct lender loans.

Loans With No Credit Check by Blue Trust Loans

Image Source: Blue Trust Loans

Loan Terms

Individuals who need to borrow extra funds can make good use of the loans with no credit check available through Blue Trust Loans. Their no credit check loans come in amounts up to $1,250. Funds could be delivered as soon as 24 hours after your application and origination.

Interest rates are relatively high, even for payday loans no credit check. At a minimum, you will face a 471.7846% APR. Depending on the duration of the loan and your origination fees, your APR could as high as 841.4532% APR.

Your no credit check loans can be repaid via a number of options, including:

  • 12 Biweekly or semimonthly payments
  • 24 weekly payments
  • 6 monthly payments

You also have the option to repay your loan early at no additional cost, which could reduce your financing fees.


Blue Trust Loans sets out specific guidelines regarding whether individuals qualify for their no credit check payday loans. All applicants must be able to provide proof of income into a checking account that will meet their minimum income requirements. Likewise, the checking account must meet their requirements for length of time the account has been opened.

Those applying should be 18 years old and a US citizen who is not currently a debtor involved in a bankruptcy case.

Provided that all of these requirements are met, you may have your funds deposited into your bank account as soon as the next business day. This allows you to have the money that you need quickly through their no credit check payday loans.

Related: Ways to Get Instant Cash Loans from Online Payday Lenders | Instant Loans Online

Cash America Today Review

Convenient and longer-term than most payday loans, no credit check, Cash America Today has a unique system for issuing loans to those in need.

No Credit Check Payday Loans by Cash America Today

Image Source: Cash America Today

Loan Terms

As with most lenders who issue installment loans with no credit check, Cash America Today doesn’t offer loans with large values. They advertise themselves as being a small-dollar loan lender with a longer than usual loan term. Loans will range from $200 to $600 each for typical first-time customers.

Once you have borrowed your first payday loans with no credit check, you may be eligible for even larger loans. Cash America Today issues loans that reach up to $1,000 for consumers who responsibly repay their debt.

When it comes to repayment of your no credit check cash loans, most loans with no credit check must be repaid within 14 days (your next payday). However, Cash America today offers installment loans with no credit check that grant you a 12-week repayment period. This standard time period works for most consumers, but loans cannot exceed 180 days.

Rates for the various payday loans with no credit check are dependent upon your creditworthiness and the details of your loan program.


In order to qualify for one of Cash America Today’s loans with no credit check, you do have to meet certain criteria. In order to make an application, you should be a US citizen and must be 18 years old with a valid checking account. They do not issue payday loans with no checking account.

In addition to these requirements on their no credit check loans, you should have a:

  • Steady source of income
  • Valid phone number
  • Valid address

Their installment loans with no credit check could be a great stepping stone toward rebuilding credit. If you’ve been historically denied by traditional lenders, their no credit check loans offer an opportunity to make responsible repayments and build up credit scores.

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CashNetUSA Review

For consumers who are searching for larger no credit check loans, CashNetUSA is likely to meet all of your borrowing needs.

Loan Terms

Depending on the state in which you live, the CashNetUSA loan amount and terms will vary for loans with no credit check. To give you an example of the standards for a state such as South Carolina, no credit check payday loans will range from $650 to $2600. These high-value no credit check payday loans give you more money than companies such as Cash America Today are willing to issue.

Loan terms for their no credit check cash loans range from six months all the way to eighteen months. This gives borrowers a large window of opportunity regarding when and how they will choose to repay their no credit check loans.

Interest rates on these loans with no credit check can be as high as 189.00% to 399.00% APR. Credit terms vary based on creditworthiness, loan terms, and loan value. Their application process boasts no hidden fees by laying out all of your payments and terms before you sign.


The eligibility criteria for their no credit check payday loans are even easier to obtain than some of the other companies listed in our ranking. Anyone aged 18 or older can apply as long as they are a permanent resident or a US citizen. Other criteria include:

  • Active email address
  • Active checking account
  • Driver’s license
  • One-month employment

Consumers searching for payday loans with no checking account will be out of luck with the requirements set forth by CashNetUSA. However, the other criteria will be relatively easy for most individuals to qualify for.

Read More: Payday Loans Near Me | Ways to Find the BEST Payday Advance Lenders Near You

LendUp Review

LendUp provides individuals with access to payday loans, no credit check required. Their installment loans, clearly identified as a separate lending category from no credit check payday loans, offer flexibility to consumers who may not qualify for other forms of financing.

No Credit Check Loan by LendUp

Image Source: Lendup

Loan Terms

The installment loans with no credit check available through LendUp’s services give consumers an alternative to payday loans. They emphasize that their repayment plan sets them apart from sometimes predatory no credit check payday loans to offer a more affordable solution to consumers.

Through LendUp, consumers have the opportunity to borrow up to $1,000 with a minimum amount of $610. This makes their no credit check loans small in comparison to many of those offered through other companies. However, it is enough to tide you over financially in case of an emergency or unexpected bill that needs immediate attention.

Interest rates and additional fees will vary according to state and location. All of their payday loans no credit check options are available online, making it convenient for you to fill out an application and move forward on receiving funding.


The application process is relatively quick and painless, promising to take only a few minutes of your time. Through the process, you’ll be asked questions regarding some of your personal information, including address, social security number, and income information.

You’ll also be required to provide information for a checking account that can accept electronic transfers of the funding, provided you are eligible. LendUp does not offer payday loans with no checking account.

If you are asked to verify your income, proof must be provided via upload to the website. Documents cannot be accepted in any other way. In case these are required by your state laws, you may want to have photocopies of this information handy before beginning the application process.

Conclusion—Top 5 Best Loans with No Credit Check

If you find yourself short on cash with an unexpected need or bill popping up, consumers with bad credit may find themselves panicking. Having this information regarding the best loans with no credit check at your fingertips can take some of the worry out of the process for you.

Sit down and do the math to figure out exactly how much you will need to borrow on one of your no credit check installment loans or no credit check payday loans. From there, you should be able to take a closer look at your budget to determine how quickly you will be able to repay your payday loans, no credit check required.

No credit check cash loans can be useful under certain circumstances. As long as you are aware that the interest rates may be far higher than they are for other loan types, a no credit check loan will give you the opportunity to borrow no matter what your credit score currently looks like.

Take this information regarding the best loans with no credit check to help evaluate which option is right for you. Our ranking can help you to find your way out of a financial bind quickly.

AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

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