Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers

No Credit Check Loans

  • No Obligation Online Quote
  • Loans from $100 to $5000
  • Apply 24X7- Day or Night
  • Instant Online Decision

Representative example:  $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers***. Loan term lengths from 3 to 36 months for qualified consumers.

No Credit Check Loans
No Credit Check Loans
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Loan Prospects for All

Loan Prospects for All

Whether you're just starting or have hit a bump, we've got tailored loans for everyone.

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Get Quick Decision

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Direct Deposit

Direct Deposit

Get funds deposited straight to your bank. No fuss, no delay.

Why choose us?


No Credit Check

We conduct a soft credit check to assess your eligibility for a loan. Once you accept any lender's loan offer, they may conduct a hard inquiry.


Easy Online Process

Apply from your couch, coffee shop, or cab. Quick, simple, and secure online application.


Instant Funds

Upon receiving approval, anticipate the funds to be deposited into your account either on the following business day or within 24 hours.


Lender Match Made Easy

We will connect you with ideal lenders based on your loan request and find the most suitable loan option.


All Credit Scores Welcome

We welcome all credit scores, providing financial opportunities for everyone, and minimizing multiple credit inquiries.


No Obligation

Get a loan quote easily with just a few clicks under no obligation to accept it.

why choose us

What are No Credit Check Loans?

In a financial landscape where credit scores can influence many of our financial decisions, no credit check loans have become an attractive option for many borrowers. No credit check loans are loan types where lenders do not conduct a traditional credit check to determine a borrower eligibility. Rather they carry a soft check to assess. Lenders would not reject your application because of prior financial missteps like debts from the past, late payments, or even bankruptcy. They focus on the present, not your financial past.

While many online lenders use standard credit checks to determine creditworthiness, some of them provide loans without credit check. Thus, the approval procedure might go considerably more quickly. Some prefer these loans because they do not want companies delving into their financial history. Many no credit check loans come with various fees, including origination fees, late payment fees, and more. While no credit check loans offer an alternative avenue for borrowing, especially for those with less-than-perfect credit, they come with their own set of challenges and risks.

No Credit Check Loans

How Can I Find a Direct Lender for a Loan Without a Credit Check?

When seeking a loan without a credit check, it's important to find a reputable direct lender who can provide favorable terms and ensure a safe borrowing experience. Start with a simple online search. Phrases such as “no credit check direct lenders” or “direct payday lenders with no credit check” can yield a list of potential lenders. However, always be cautious and ensure the legitimacy of a lender before sharing personal information.

There are many financial forums and review websites where borrowers share their experiences with different lenders. Any legitimate lender, whether offering a no credit check loan or not, should be licensed to operate in your state. Most states have financial regulatory departments that provide a list of licensed lenders. Ensure any lender you consider is listed. It might be worth exploring if someone you trust has had a good experience with a direct lender.

Before agreeing to any loan, always read the terms and conditions. A reputable direct lender should be transparent about all costs associated with the loan. Be cautious of lenders asking for fees or payments upfront before approving a loan. It is a common sign of a scam or predatory lending. Finding a direct lender for a no credit check loan requires due diligence. Emphasis should always be on safety and understanding the loan terms fully.

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Can I Get Guaranteed Approval on No Credit Check Loans?

Particularly for consumers with less-than-ideal credit histories, the irresistible lure of "guaranteed approval" may be potent. However, when it comes to no credit check loans, the reality is more complex. The phrase "guaranteed approval"' indicates that any borrower regardless of their financial status or past would be accepted for a loan. Legitimate lenders are bound by regulations that require them to practice responsible lending. Therefore, no reputable lender can truly guarantee approval for everyone.

Lenders that seem to offer guaranteed approvals might compensate for the risk by charging exorbitant fees and interest rates. We conduct a preliminary credit assessment to check eligibility, that doesn't affect your credit rating. If you proceed with an offer, lenders might carry out a comprehensive credit evaluation. Understand the interest rate, fees, and repayment terms. No credit check loans come with their own set of risks and challenges.

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Are there alternatives to no credit check loans that I should consider?

No credit check loans can seem like a quick solution to pressing financial needs, especially if you're concerned about your credit score. Before jumping into a no credit check loan, consider some of these alternative options that might be more favorable and financially sensible.

Credit unions often provide loans and other financial services at lower rates than commercial banks. A secured loan requires collateral, like your home or car, which acts as a guarantee for the lender. If a trusted friend or family member with good credit is willing, they can cosign a loan for you. However, remember that your cosigner is equally responsible for the debt, so it's essential to make payments consistently.

If feasible, you might consider borrowing money directly from someone you know. This option often involves little to no interest but can have emotional or relationship implications. Instead of seeking a loan immediately, you might focus on building or repairing your credit. While no credit check loans offer immediate financial relief, they might not always be the best long-term solution.

Alternatives to no credit check loans

How much can I borrow with bad or no credit?

Navigating the financial landscape with bad or no credit can be challenging. However, there are lending options available, even if the amounts might be more limited than for those with higher credit scores. Some online lenders specialize in bad or no credit loans ranging from $100 to $5,000. Due to their short duration and high risks to lenders, the amount offered is often limited. Some even offer specialized bad credit loan programs for their members.

The amount you can borrow often depends on your income, employment status, and other personal financial details. While your credit score will influence your eligibility and rates, some platforms cater to borrowers with lower scores. While bad or no credit can limit borrowing options, it doesn't make borrowing impossible. Always remember to borrow responsibly, keeping in mind the long-term financial picture.

Apply from $100 to $5,000

How do I apply for a loan without a credit check online?

Applying for a no credit check loan online is simple, but your safety is paramount. Once you've identified potential lenders, go to their official websites, and make sure they're secure by checking for "HTTPS" in the URL. Keep in mind that even though no credit check is needed, lenders may ask for additional information. It usually includes personal details, income information, and your loan request amount. Ensure you understand the interest rate, any associated fees, and repayment terms.

The waiting period varies by lender, but many online no credit check loan providers offer quick decisions, sometimes within minutes. If approved, they will typically provide a loan agreement for your review. Ensure you're comfortable with the repayment plan and interest rate before finalizing. Upon acceptance, most lenders deposit the funds directly into your provided bank account. The speed of this transfer can vary, but many can do it within one business day. Applying for a no credit check loan online can be a convenient way to access funds quickly. However, always prioritize your safety by working with credible lenders and understanding the full scope of the loan agreement.

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Eligibility Criteria

Your Financial Concern, Our Focus

Eligibility Criteria

Caught in a financial crisis? Are unexpected bills or expenses piling up? Are traditional loan solutions not meeting your needs?

We get the tension that sudden expenses bring. At, we're here to connect you with a lender who can provide swift and easy credit solutions to address those unexpected costs.

APR Disclosure & Range connects you to various lenders or lending partners, but we are not the lenders ourselves. Consequently, we cannot determine your final Annual Percentage Rate (APR). The APR we display is an exemplar, calculated using data from the diverse range of lenders we work with. Depending on several factors like credit score, state, and the specific lender or lending partner the typical APR ranges from 4.95% at its lowest to 35.99% at its highest. The repayment period can vary from 61 days at the least, up to a maximum of 48 months.

APR Disclosure Range

Please note that the extremely low rates of 4.95% are only available to certain qualifying customers. The details shared below are examples and are only intended to provide an understanding of what your terms might look like; they may not match your actual offer.

THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS. simply connects you to lenders or lending partners where the lenders or lending partners will dictate the exact terms and conditions of the loan. The compensation received from these lenders or lending partners may influence the offers you receive. All figures provided, including APR, loan amounts, and interest, are illustrative and actual figures will vary. Some lenders or lending partners may perform credit checks as a part of their approval process. Always look at all your options together before making any financial decisions. It is also worth noting that you might relate to a tribal lender, whose rates and fees may exceed those of state-licensed lenders and who are governed by federal and tribal laws, not state laws.

Service Availability

Where you live can change a lot about how personal loans work. Every state has its own rules about regulations concerning and governing matters related to personal loans which can affect your loan amount, APR, and repayment term.

Material Disclosure

As the operator of this site, our role is that of an advertising referral service to lenders who may offer loans ranging from $100 to $5000. Our service is free to use, and your loan application will be forwarded to one or multiple lenders. We here aim to connect you with a lender who can help. Lenders make decisions based on their risk to offer credit, so you may not always get the exact amount you are requesting nor an approval for your loan request. We receive compensation from lenders and other advertising partners for our advertising services. Short term loans should not be seen as long term financial solution.

Frequently Asked Questions

  • Do you charge any fees to apply for online loans through Shorttermcredits?

    We do not charge any fees for applying with us. We offer a free-to-use loan matching service that connects borrowers with multiple direct lenders and other brokers with just one online form. We receive a commission from the lender after an applicant's loan is approved. People seeking online loans can apply for up $5,000. Interest rates are subject to various factors. They often come with higher rates for individuals with poor credit histories. Lenders perceive a higher risk when extending credit to people with a history of late repayments. Before finalizing any loan agreement, it is critical to thoroughly examine its terms and conditions to ensure you understand all potential fees involved from the lender's side. However, these fees may vary depending on the lender and the specific loan. Additionally, be cautious of lenders who promise approval without a credit check or require upfront payments, as these can be signs of a scam.

  • Can applying for an online loan through short-term credits affect my credit score?

    We perform a soft credit check to determine your eligibility and provide a no-obligation loan quote that won't impact your credit score. If you accept an offer, lenders may conduct a hard credit inquiry.

  • Can I still apply for an online loan if I have bad credit?

    Absolutely, yes! You can borrow an online loan with bad credit. Apply online regardless of your credit score and check your eligibility. While your credit score has a significant role in the loan approval process, remember that it's not the only factor lenders consider. Lenders may also evaluate your employment status, income, loan repayment ability, and other eligibility factors. It's important to understand that individuals with subpar credit ratings might face higher interest rates on their loans because lenders often view them as higher risk than those with good credit. We work with a panel of lenders and other brokers who connect you with a suitable lender. Apply through us and receive an instant quote with no obligation to accept it. Please be sure that we do not influence lenders' decisions or approvals. Before proceeding with any loan agreement, carefully review the terms and conditions.