No Credit Check Loans - Online Approval
If you need emergency cash and have a low credit score, no-credit-check loans can help. SlickCashLoan's quick and easy online application offers fast same-day results and no hard credit check. Our no-hassle loan process is designed to pair you with installment loans, which have fixed monthly payments, rather than the short-term nature of a payday advance.
What Are No Credit Check Loans?
A loan with no credit check allows you to apply for a loan without going through a conventional hard credit check. Traditional lenders and banks typically conduct a hard inquiry to determine creditworthiness.
A hard inquiry looks at your payment history, late payments, defaults, and other records. If your score is low and you have a history of defaults or late payments, you are unlikely to be approved for traditional loans.
No credit check loans - including those from lenders that we work with at SlickCashLoan - use a soft check, so it won't negatively impact your credit score. The lender will review your current income, the type of job you have, whether you have any outstanding loan payments, and your past history of repaying loans.
Many direct lenders can provide funding to you as early as the same business day. In addition, most lenders in our network do not require a full credit report or a FICO credit score to approve an application.
What You Need to Get a Loan from SlickCashLoan
You will need the following to apply for a personal loan without a credit check through the SlickCashLoan network:
- Be at least 18 years old
- Have a steady source of income
- Have an active U.S. bank account
- Provide proof of identity and income
These basic requirements help a lender see if your monthly cash flow works without a hard credit check.
Why Borrow a No Credit Check Loan Through SlickCashLoan
Lots of banks won't lend to you if you've had money troubles before or if your credit isn't great. We're different. We want to help you get cash fast, and we'll do it the right way – legally, honestly, and in a way that's easy for you to understand.
Here is how the process works:
- Complete a short, easy to use online application that requires some basic personal details, like your name, date of birth, where you live, how much money you make, and your banking details. There is no need to go to a bank or haul around a bunch of paperwork. Most people can get this done in just a few minutes.
- We match you with lenders in our network. You are not limited to one single lender. By being reviewed by multiple direct lenders, you have a better chance of approval and of finding terms that fit your budget.
- Instead of running a hard inquiry on you, lenders look at your income and bank activity to make their decision. Most of our lending partners run soft inquiries for loan applications, which will not affect your credit score.
- If you are approved, the details of your loan will be available for review before signing the agreement, including the amount you may borrow, the total cost of the loan, and the loan repayment plan. There are no upfront fees from us and no surprise application charges.
- Money arrives in your bank account via a direct deposit after you have accepted the terms of the loan agreement by signing electronically. In many cases, you receive the funds on the same day* as acceptance, enabling you to meet your bills, repair costs, or other emergency expenses.
All lenders in our network comply with state lending laws. That means your offer is based on what is legal where you live. We provide you with a written disclosure of the interest rate(s), charges, and repayment terms, which will give you a complete understanding of what you will be agreeing to.
Requirements are also very basic. In most cases, you'll need a steady income, a U.S. checking account in good standing, and be 18 or older. Many borrowers do not need perfect credit.
In short, the process at SlickCashLoan is online, fast, and built to show you real terms up front so you can decide with confidence before you commit.
Types of Loans Without a Credit Check Online
No credit check loans can fit into different types, such as secured and unsecured personal loans, installment loans, and payday advances.
Unsecured loans do not require collateral (like your vehicle title, land, or jewelry); therefore, lenders will conduct a soft credit check as opposed to requiring collateral for secured loan options, where they could take your collateral if you default on payments.
The direct lender network at SlickCashLoan offers these options without a credit check:
Payday Loans
Payday loans are small, fast, and short-term advances. It is based on income, and the lender will take repayment from your next paycheck. Typically, the terms last about two weeks because checks are limited and very costly.
Since payday loans carry lots of fees and rollovers are common, we do not recommend them except as a last resort. Compare the overall cost of a payday loan before taking one out, and see if you would be eligible for an installment loan instead.
Installment Loans
Installment loans spread the repayment over several months, resulting in smaller, more manageable payments. Their costs are much clearer, and many borrowers will pay less than they do with repeated payday loans.
Generally, we direct our customers who qualify for an installment loan in that direction because the regularity of payments and terms make the process more manageable for them.
Improve Your Credit Score With Monthly Payments
Several loan applications within a short period will negatively affect your score due to multiple hard inquiries. It can create a cycle that could keep you from obtaining a loan. By getting an installment loan without a credit check, you avoid a hard inquiry, and you have a single, predictable monthly payment to manage.
By making each payment on time, your credit score may improve. In fact, for many individuals, a no-credit-check installment loan from SlickCashLoan is a reasonable way to establish or repair their credit.
Are "Guaranteed Approval" Loans Without a Credit Check Real?
You should never rely on a lender's claim of 100% approval for loans without a credit check. "Guaranteed approval" for no-credit-check loans does not exist. Some lenders have very high loan approval rates and do not require hard credit checks for certain loan types.
In addition, many lenders require you to wait at least a few days before you receive your funds. However, when a bill is due, you cannot usually afford to wait. Our online loan application process is fast, and if you are approved, you can access your funds immediately.
Even with a low credit score, you may still qualify for a loan. Learn more about borrowing options for poor credit.
Get Your Loan Without a Credit Check Today
Loans without a credit check provide some relief from financial challenges when working with a lender that is transparent about loan rates, fees, and terms. Our network at SlickCashLoan includes direct lenders to serve borrowers across the United States. Borrowers can apply for no-credit-check loans in just minutes and receive their funds on the same day* if approved.
* Getting your funds on the same day is not guaranteed. Timing depends on approval time, lender requirements, and your bank's deposit schedule. In many cases, funds are deposited the next business day after approval.
FAQs
Does SlickCashLoan allow me to get a loan without having a job?
No, a steady income is needed to show you can make the loan payment. There must be income to qualify for any options without a credit check available through SlickCashLoan.
Do I need a bank account to get a loan?
Yes, when you borrow from one of the lenders in our network, they will deposit the money into a checking account in your name.
Will getting a loan require just a soft credit check?
Yes, A number of our loan offers use a soft credit check, which will not negatively impact your credit report. The lender will consider factors such as income, recent bank deposits/withdrawals, and payment history to determine how much to lend you.
How long will it take to receive my approval?
It usually takes no more than a day to receive your approval. Depending upon the information you enter and the lender, this could take anywhere from several minutes to a few hours.
Will it be faster than applying for a bank loan?
Typically yes. The time it takes to apply for a bank loan can vary depending on the amount borrowed, required documentation, and other factors. The SlickCashLoan application process is quick and entirely electronic.
How quickly can I expect to receive the money?
If you are approved, the money will be deposited directly into your checking account via direct deposit (typically within one business day).
How do I find out if I was approved?
Most decisions are shown online right after you submit your application. You will also receive an email or text message letting you know whether you were approved. Be sure to monitor your email inbox and phone regularly for updates.
What can I use the money for?
You can use the money for daily living expenses, paying bills, buying groceries, or other unexpected financial expenses. Only borrow what you can afford to pay back.
What are some of the downfalls of using a no-credit-check personal loan?
They tend to be very expensive. Most no-credit-check personal loans come with rates and fees that exceed most bank or credit union loans. Additionally, the short term of these loans can lead to repeated borrowing if you struggle to make payments.
What are some of the benefits of using a no-credit-check personal loan?
The application is easy; you will get an answer quickly, and most lenders do not perform a hard credit inquiry. In addition, many of the lenders in our network offer no prepayment penalties, allowing you to pay off the loan early and reduce your interest charges.
Should I get a loan without a hard credit check?
Loans without a hard credit check can help when you are in a tight spot. However, their costs are typically higher than those of an installment loan with a fixed payment schedule. A fixed payment loan is generally easier to budget for than a payday loan.
Helpful Guides
Learn more about how these loans work, how approval decisions are made, and safer ways to manage short-term cash needs:
How to qualify and get approved
Will a soft check affect your score?
No credit check loans vs bank loans