Home » Personal Loans » No Credit Check Loans – Guaranteed Approval Decision

No Credit Check Loans – Guaranteed Approval Decision

BadCredify helps you find a suitable lender that provides no credit check loans for borrowers in need. Guaranteed approval decision is on its way!

Do you want to apply for a no credit check loan? Discover our list of personal loans with no credit checks. BadCredify listed the top five companies that provide no credit check loans with guaranteed approval decisions. Don’t worry about your poor credit history.

These services don’t perform a traditional credit check through major credit bureaus and offer flexible repayment terms with low-interest rates. Read further to discover suitable services among the available direct lenders

Top Best Near-Guaranteed Loans with No Credit Check



6.40% – 35.99%

Loan amount

$1,000 – $50,000

Min Score


More About


  • Quick access to loan funds;
  • No prepayment penalties;
  • Flexible monthly payments;
  • Beyond credit score verification (soft credit check);
  • Flexible loan amounts.


  • Origination fees up to 10%;
  • High annual percentage rate;
  • Co-signers aren’t allowed;
  • Limited repayment loan terms.


Upstart is a financial platform that enables borrowers with weak credit to get personal loans with flexible payback options. Its key advantage is same-day funding, and there is simply a light credit check conducted throughout the application procedure.


Poor credit borrowers who can’t qualify for traditional personal loans.


Upstart does not do credit checks on its customers. Instead, it examines applicants’ whole financial condition. In addition, customers can apply in the morning and receive their personal loan before the end of the day.


  • Quick funding (same-day deposit available)
  • No origination fees
  • Soft credit checks performed


  • Origination fees up to 10%;
  • $15 late fee
  • $15 NSF fee


  • Be at least 18 years old;
  • Prove your US citizenship or permanent residence;
  • Provide your bank account information
  • Show your monthly income (at least $2,000 monthly income) by providing pay stubs, tax forms, or bank statements;
  • Have fair credit (at least 300);
  • Provide an active email address and phone number.


One business day (same-day funding available)

Editors’ Thoughts

Discover no credit check loans from Upstart that range from $1,000 to $50,000. You may get bad credit loans because they don’t have minimum credit score requirements. To get their no credit check loans online, you must fill out the loan application form, choose the necessary loan amount, and submit it. Upstart doesn’t provide joint or secured loans or perform hard credit checks through major credit reporting bureaus.


sofi logo



Loan amount


Min Score


More About


  • Low interest rates
  • Co-borrowers are allowed
  • No prepayment penalties
  • Flexible loan amounts
  • Wide repayment terms
  • No origination fee


  • Good credit is required
  • Late fees might apply
  • No co-signer option available
  • No physical branches


SoFi is a financial website that provides unsecured personal loans with a credit score minimum of 680. Personal loans from SoFi are also accessible with a co-borrower with good to outstanding credit. Personal loan candidates must, however, have an adequate income and a modest debt-to-income ratio.


Applicants with good to excellent credit scores who want to consolidate debt, make major purchases, and cover significant medical bills.


SoFi does not do credit checks on its customers. Instead, it examines applicants’ whole financial condition. If you take out a credit builder loan, this service reports your on-time payments to the major credit reporting bureaus.


  • No prepayment penalties
  • No origination fees
  • Low interest rates
  • Co-borrower option available


  • Optional fees (up to 6%)


  • Be at least 18 years old
  • Prove your US citizenship or permanent residence
  • Provide your bank account information and social security number
  • Show your monthly income by providing pay stubs, tax forms, or bank statements
  • Provide an active email address and phone number


One business day

Editors’ Thoughts:

SoFi Loans is an excellent option if you need a more significant amount. They allow you to borrow from $5,000 to $100,000. SoFi Loans may not be a good choice if you need a smaller loan amount. They don’t offer secured loans, but you can add a co-applicant to lower the interest rates. Their no credit check loans typically have same-day funding if you meet specific eligibility criteria (prove employment status and US citizenship).


onemain financial logo


18% – 35.99%

Loan amount

$1,500 – $20,000

Min Score


More About


  • Joint and secured loans are available;
  • Wide range of loan options for low credit;
  • Pre-qualifying doesn’t affect your credit score;
  • Convenient options for debt consolidation.


  • Relatively high interest rates;
  • Charges origination fees;
  • APRs are not disclosed when pre-qualify.


OneMain Financial is a reliable financial service that offers personal loans between $1,500 and $20,000 without minimum credit score requirements. With its joint applications, flexible repayment terms, and soft credit checks for pre-qualifying, it can suit borrowers with bad credit. Interest rates are usually high, though.


Borrowers with credit issues who want to avoid predatory lenders.


The company offers a wide range of secured, unsecured, and joint loan options with flexible repayment terms. Its personal loans are available to underbanked borrowers.


  • Direct payment to creditors for debt consolidation;
  • Loan cancellation within 7 days;
  • Fast funding


  • Origination fees: 1% to 10%, or $25 to $500, depending on the state;
  • Late payment fees: $5 to $30, or 1.5% to 15% of your loan amount;
  • Non-sufficient funds fees: $10 to $50 per payment returned.


  • At least 18 years also;
  • Permanent US resident;
  • Income confirmation;
  • Valid bank account or debit card.


Within one business day of approval via a direct deposit. Funding within several hours may be offered if you receive the funds on your debit card.

Editors’ Thoughts:

OneMain Financial allows you to borrow from $1,500 to $20,000 with no additional fees but high-interest rates. There are no credit check loans available with short repayment terms. Also, OneMain Financial provides bad credit loans, joint and secured loans; just choose the needed loan amount and apply online or offline. Unlike traditional personal loan lenders, this service doesn’t check borrowers’ credit scores. This service also charges origination fees from $25 to $500 or 1% to 10%. The late fee ranges between $5 and $30 or 1.5% to 15% of the payment amount, and the non-sufficient funds fee is $10 to $50.

BadCredify evaluates lenders based on more than 70 rating criteria, including interest rates, repayment terms, eligibility requirements, fees, consumer experience, affordability, and more. Find out more about our full methodology.

Learn more about our methodology

Are No Credit Check Loans Really with Guaranteed Approval?

The concept of “guaranteed approval” is a misleading word combination lenders use. No loan provider may guarantee you approval because they need at least the basic information about you and your financial situation.

Guaranteed acceptance implies they will accept you regardless of your poor credit or other concerns. It might suggest that they make more money from late fees and rollovers than they do from long or short-term loan payments. This practice is common when you apply for no credit check loans, such as payday loans or title loans.

What are Personal Loans with No Credit Check?

A personal loan with no credit check is a long-term financial product you borrow, and the lender doesn’t run a complex credit verification. Such a no credit check loan is available for bad credit applicants who don’t qualify for traditional loans. The repayment terms of these loans range between 12 and 60 months. 

How Do Loans with No Credit Check Work?

No credit check loans work straightforwardly for borrowers with poor credit scores. Here are the working process steps:

  1. Application: you apply online by providing your bank account details and other personal data.
  2. Approval decision: after you submit the loan request form, wait for the loan approval decision that doesn’t involve the credit check.
  3. Loan agreement: if approved, you sign the loan contract electronically.
  4. Money deposit: the lender transfers the money to your bank account within one business day.
  5. Repayment: you may set the monthly automatic payments, or the lender can withdraw the monthly payments (as with installment loans) from your checking account.  

Pros & Cons of Guaranteed Loans

To make an entirely informed decision, check the pros and cons of guaranteed loans:


  • A bad credit score is accepted;
  • Easy loan application process;
  • No hard credit check is performed;
  • Fast funding (same-day funding is available);
  • Higher chances for approval.


  • Higher annual percentage rates;
  • Lower loan amounts are available.

How to Compare No Credit Check Personal Loans?

There are various characteristics to consider when comparing no credit check lenders to narrow down your options:

APRs: annual percentage rates are the entire yearly cost of borrowing money. The loan becomes more costly as the APR rises. Choose lenders with lower annual percentage rates and allow you to add a co-signer to decrease them.

Additional costs: Before taking the no credit check personal loan, ensure all costs are disclosed upfront.

Co-signer eligibility: Some lenders may refuse to accept a co-signer on your no credit check loan application. Maybe you could try to add a co-borrower if possible.

Credit score requirements: If your credit score is low and you can’t qualify for a better loan, find a lender with no minimum credit score requirements.

State availability: Many lenders provide loans exclusively in a few states. Before applying, be sure that loans are accessible in your state.

Loan usage restrictions: If you have a particular need, determine if you may use the loan for that reason.

Funding times: When it comes to money, seek lenders who offer same-day cash. Check to see if there is a deadline for applying for same-day assistance.

How to Get No Credit Check Loans Near-Guaranteed Approval?

To get no credit check loans with near-guaranteed approval, firstly, you must meet the following eligibility criteria:

  • Prove your age (at least 18 years old) with a valid ID card;
  • Show your physical address with utility bills;
  • Bring your pay stubs or bank statements;
  • Have an active email address and phone number.

Once you meet all the requirements, fill out the loan application form with online lenders, banks, or credit unions and await the loan approval decision. 

Get a Personal Loan for Your Needs

  • Applying does not affect your credit score
  • Safe and secure application
  • Guaranteed Loan Decision
  • Any credit score is accepted
get no credit check loans with almost guaranteed approval

Alternatives to a No Credit Check Loan with Near-Guaranteed Approval

Don’t want to deal with no credit check loans with near-guaranteed approval? Discover the following alternative options available on the lending market:

Credit-Builder Personal Loans

A credit-builder personal loan helps you improve your credit history and qualify for better loans in the future. The lenders who provide credit-builder personal loans report your on-time monthly payments to the major credit bureaus. They track your payment success and build your credit in the long term.

Secured Cash Loans

A secured loan allows you to borrow money at a lower interest rate by adding collateral. It can be a home, car, or other valuable item. Pawnshop loans are considered short-term secured loans, but mortgages are longer-term loans secured with your house.

Credit Union Loans

A credit union loan will help you qualify faster for better interest charges. Usually, credit unions offer lower APRs for their members. They can also provide savings accounts and credit cards with a 0% APR period.

Payday Advance Apps

Many payday advance apps allow you to borrow almost instant cash from your smartphone. Some apps may have a membership fee that doesn’t exceed $30 per month. All you need to do is link your bank account to this app and apply within it.

Buy Now, Pay Later (BNPL) Loans

BNPL loans are a convenient way to purchase and pay for goods or services later. You can spread the payments for shopping over a few months. The annual percentage rates and other fees are relatively low, depending on the merchant’s conditions.


BadCredify reviewed hundreds of data points from more than 50 lenders, including traditional banks, credit unions, fintechs, and particular interest financing organizations. We investigated and assessed APRs, loan amounts and periods, fees, and other factors.

We weighted the data we obtained to rank the lenders in our database and establish the main pros and cons, based in part on what consumers said were the most significant qualities of a personal loan and lender.

Frequently Asked Questions

How much can I get with a no credit check loan?

The loan amount you may get may vary by lender, but the standard loan amounts range from $500 to $5,000.

Can I get a personal loan with a bad credit score?

Yes, but the maximum loan amount and interest rate will be lower than good credit loans.

Do personal loans with no credit check have guaranteed approval?

No lender may guarantee approval for a no credit check loan. But you can increase your chances by meeting all the needed requirements.

What are the interest rates for personal loans with guaranteed approval?

The interest rates of personal loans with guaranteed approval decisions vary by lender, but the typical APR ranges between 6.40% and 35.99%.