Loans from
$300 – $5,000
Loans up to
24 Months
Minimum credit score
No min. to apply
What Are No Credit Check Loans?
These are borrowing options that don’t factor in your credit score for approval, and so lenders do not check your credit.
While this may sound convenient for approval, these borrowing options usually come with some major downsides. For one, they usually mean higher costs (even when compared to other bad credit loans). Secondly, they usually need to be repaid extremely quickly. Both of these qualities together mean that they can lead to a cycle of debt.
The good news is that there are alternatives to these guaranteed approval loans, such as an option with CreditNinja. While CreditNinja does not guarantee eligibility, we offer personal loans for bad credit borrowers, with a much longer repayment period. There are never any hidden fees or add-ons, making our personal loans a safer alternative.
Types of No Credit Check Loans
Payday Loans
Payday loans make a few hundred dollars available for borrowers who may have a bad credit history. Here are some characteristics:
- Usually, they have to be repaid in 2 weeks or less.
- If you cannot repay your loan, you will usually have a penalty which is added to the balance, which in some states can be called a rollover.
- Interest rates are usually extremely high.
- Lenders usually only check income and some basic identification information for approval. Some lenders may offer guaranteed approval.
When searching for payday borrowing options, be sure to avoid lenders that offer “instant approval”. CreditNinja doesn’t offer payday options, but we do offer an alternative with our personal lending options. They can be just as fast as payday loans without the cycle of debt that payday loans may lead to.
Installment Loans
Installment loans can be considered any funding option that is repaid in steady payments. Some of these may be no credit check loans, however, in most cases, installment loans do require a credit check.
CreditNinja’s personal loans are considered installment loans. The convenient thing is that even though you will have access to steady payments, you can repay as early as you would like without any penalties or fees. Unlike risky lenders with guaranteed approval, we provide a clear and honest application process.
Personal Loans
Personal loans are some of the most versatile borrowing options available. Here are some characteristics:
- They can be used for all kinds of expenses, made available in all kinds of amounts, and are offered by all kinds of financial institutions.
- In most cases, personal loan options require a credit check, however, there may be a handful of lenders that offer personal funding options without checking credit, of course, they likely come with the downsides mentioned above (extremely high cost and quick repayment).
CreditNinja does offer personal borrowing options, which require a credit check. Despite this credit check, CreditNinja offers flexibility with approval. We factor in things like income and the ability to repay rather than just focusing on credit. And so, even with bad credit do not hesitate to apply for a loan option with us, you may still get approval.
Unsecured Loans
An unsecured loan is any borrowing option that is not secured with collateral. The convenient thing about these is that you don’t have to deal with the risk that comes with secured options, and the loan terms won’t be as complex.
CreditNinja’s options are unsecured, which can be convenient for borrowers who don’t want to offer up collateral.
Why Choose CreditNinja for Your Personal Loan?
CreditNinja’s loans are an alternative to the options above, which can have tons of perks, along with the flexibility that people look for with no credit check loans. Our funding solutions can make it possible for borrowers with poor credit to potentially get funding, while having steady monthly payments rather than a quick repayment—which is often accompanied with the options discussed earlier.
Many of our customers have the goal of paying their bills, taking care of car repairs, home repairs, or simply paying for everyday expenses like groceries, while still keeping their finances on track.
Our lending solutions make it possible for borrowers to get the extra help they need without the risk that some options come with.
Some benefits of CreditNinja’s funding options include the following:
Easy To Apply
Our application is fast and can be done completely online, in just a few minutes.
Same-Day Funding
If approved, you could get the funding you need as soon as the same-day.*
Low Credit Support
Even if you don’t have the best credit, you may still qualify for a loan.
Direct Deposit
Once you are approved, the funds can be sent straight to your bank account via direct deposit.
Find Out if you Qualify Fast
After submitting your application, we’ll let you know quickly about approval.
Get Your Money Quickly
Once approved for a loan, funds may be available as quickly as the same-day.*
How To Get An Online Loan With No Credit Check
If you do decide to get an online loan with no credit check, here is what you expect with the general process:
- Find a lender you want to work with and fill out a loan application.
- Verify your personal and financial information.
- If approved, go over the loan contract, sign, and get funds.
- Repay the loan—usually done in just a few weeks.
If you are considering CreditNinja as an alternative loan option, continue reading to see how easy our application process is.
How Do CreditNinja Loans Work?
Here is how CreditNinja’s process works:
- Fill out our online application.
- Find out about approval, loan amount, and APR. Our loan amounts range between $300 and $5,000.
- If approved, go over the details, sign, and get your funds! Your money may get directly deposited on the same day.*
- Repay the loan in steady monthly payments. Because our loans have multiple payments, they can be easier to repay and less risky compared to single-payment no credit check loans or guaranteed options.
Apply Online Fast & Easy
The application process is simple and fast, with only a few steps.
Income Verification
We’ll verify your income through instant bank verification or IBV.
Same-Day Availability
Once approved, you could have your funds as soon as the same-day.*
Will CreditNinja Check My Credit If I Apply for an Online Loan?
CreditNinja does check your credit if you apply for an online loan with us. There will be a soft credit inquiry in the beginning stages of the process, and then a hard credit inquiry later in the process.
Credit is just one of the many factors that we pay attention to in order to make a lending decision. Instant bank verification helps us look at your ability to repay and your income.
While adding more debt to your existing credit portfolio may not seem like a credit-friendly move, when you make on-time payments, it can really help build or improve your credit score. Payment history is actually the most significant factor that impacts your credit scores, and this is where loans can be used as a tool.
What Does CreditNinja Consider From My Credit History?
CreditNinja isn’t just going to consider your credit score number, we’ll look at your credit history too. We’ll pay close attention to how you’ve handled credit in the past and whether there are significant red flags like past bankruptcies. However, we are pretty flexible when it comes to poor credit.
What CreditNinja Loan Customers are Saying
Here are some reviews from real CreditNinja customers.
“The application process was quick and easy. The money was in my account within 24 hours. The weekly payments are affordable and I’m glad I’m allowed to pay it off early with no penalties.”
– Ashley
“CreditNinja makes it easy to apply and have come through for me every time I have needed financial help. Thank you so much.”
– Stephanie
“The application process was easy. Once I was approved for the loan the funds were in my account the next day.”
– Brandon
No Credit Check Online FAQs
Can I get a loan without a credit check?
Yes, there are loans with no credit check or guaranteed qualification, however, they may be risky for borrowers. CreditNinja’s personal loans are a great alternative to these options, and they come with the flexibility and speed that you would expect from a no-credit check loan option.
Are no credit check loans a bad idea?
At CreditNinja, we urge you to stay away from no-credit loan options, especially if they are payday loans. It’s important to make sure you know that you’ll be able to handle loan repayment and do research on a lender before committing to a loan.
How quickly can I get funds?
No credit check loans make funding fast, think a few days, up to a week. If you go with CreditNinja for an alternative, you can expect same-day funds.*
What are the fees?
Most loans have standard fees like a late payment fee or origination fee. However, no credit check or guaranteed loans may come with extras like a rollover fee or a pre-payment penalty. CreditNinja urges you to read and understand any loan terms before signing onto a loan.
How will my credit be affected?
Some no credit check loans such as payday loans may not look great on a credit report to lenders. Along with that, repayment with a loan will have the largest impact on your credit.
Does CreditNinja offer loans with no credit check?
CreditNinja does not offer loans with no credit check. However, even if you don’t have the best credit you don’t have to turn to high-risk loans. CreditNinja’s loan alternatives are there for users with all kinds of credit histories and financial situations.
An alternative option is a CreditNinja online personal loan. Our loans provide flexible repayment and competitive rates.
Will my CreditNinja loan be secured or unsecured?
Your CreditNinja loan will be unsecured, giving you peace of mind throughout repayment.
What are the eligibility requirements for online loans with no credit check?
Generally, you’ll need proof of income, proof of a bank account, and valid identification. To qualify for a CreditNinja loan you must be at least 18 years old, have a recurring source of income, and an active bank account.
Still have Questions? Contact CreditNinja Today
If you have any questions related to CreditNinja’s personal loans, don’t hesitate to get in touch with us! Give us a call at 855-NINJA-01 (855-646-5201). Customers use our loans for car repairs, paying bills, home repairs, groceries, and other everyday expenses during emergencies. If you need fast funding, start with us.