Loans from
$300 – $5,000
Repayment term
4 – 24 Months
Minimum credit score
No min. to apply
The figures provided are representative of a typical installment loan made or arranged by CreditNinja and are not guaranteed rates or terms that you may qualify for. For more information click here.
What Are No Credit Check Loans?
No credit check loans are loans that don’t factor in your credit score for approval, and so lenders do not check your credit.
While this may sound convenient, no credit check loans 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 no credit check loans, such as an option with CreditNinja. CreditNinja offers personal loans for bad credit borrowers, with a much longer repayment period when compared to no credit check loans. There are never any hidden fees or add-ons, something that you’ll find commonly with no credit check loans—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 of these loans:
- 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.
When searching for payday loans, be sure to avoid lenders that offer “instant approval”. CreditNinja doesn’t offer payday loans, but we do offer an alternative with our personal loans. 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 loan that is repaid in steady payments. Some installment loans 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 your loan as early as you would like without any penalties or fees.
Personal Loans
Personal loans are some of the versatile loan options available. Here are some characteristics of these loans:
- They can be used for all kinds of expenses, made available in all kinds of loan 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 no credit check personal loans, of course, they likely come with the downsides mentioned above (extremely high cost and quick repayment).
CreditNinja does offer personal loans, 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 the loan rather than just focusing on credit. And so, even with bad credit do not hesitate to apply for a loan option with us.
Unsecured Loans
An unsecured loan is any loan 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 loan options, and the loan terms won’t be as complex. Both unsecured and secured loans may be no credit check loans.
CreditNinja’s loans 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 no credit check loans, which can have tons of perks, along with the flexibility that people look for with no credit check loans. Our loans 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 no credit check loans.
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 loans make it possible for borrowers to get the extra help they need without the risk that some no credit check loans like payday loans come with.
Some benefits of CreditNinja’s loans 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.* And so, as you can see our loans can be just as fast as no credit check loans.
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 with no credit check loan options.
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 loans work:
- 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.
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.*
Here are some reviews from real CreditNinja customers.
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 check in the beginning stages of the process, and then a hard credit check 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 the loan 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, 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 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 no credit check 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 terms 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.