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Best Personal Loans With No Credit Check

June 2024

Are you having a hard time getting approved for a personal loan with no credit? That's not surprising as most personal loan lenders check your credit. However, some will be more flexible than others. Here are the best personal loans for borrowers with no credit.
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Most -- if not all -- lenders will check your credit score and credit history when processing your loan application. However, some lenders will still consider borrowers with poor or no credit. The catch is that interest rates and fees are typically very high. If you are looking for lenders that really don't check your credit at all, you may need to consider payday lenders and auto title lenders. However, we recommend you try the lenders in this list first.
It is best to build your credit before applying for a loan. But if you need the money urgently, that may not be an option. Here is our list of the best personal loans for people with poor or no credit.
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SuperMoney's list of the best personal loans with no credit check is based on the qualitative recommendations of our community members and the quantitative recommendations of our ranking algorithms.

What is a no credit check loan?

A no credit check loan is a loan that does not require a hard credit inquiry into the borrower's credit report. This means the lender considers other factors, such as income or collateral to determine eligibility. If a no credit check personal loans seem too good to be true it is because they often are. Practically all regular personal loans require a credit check. The only way to qualify for a no-credit-check personal loans is to get a secured loan, such as a pawn loan, an auto title loan, or a payday loan. The interest rates and fees for those loans are usually very expensive, but they may be the only option if you have no credit whatsoever.

What are the best interest rates for no credit personal loans?

As you would expect, the rates of personal loans for people with poor or no credit are high. Rates and terms change all the time, but -- currently -- the best APRs in our list range from 11.69% to 160%.
APR11.69% - 160%
Remember, the lowest interest rates will not be available to you if you have poor credit or don't have a high income. Compare at least three lenders from the list above to find the best loan offer available for your credit profile. You will need to get preapproved to determine what your personal rate is. SuperMoney's loan offer engine allows you to get multiple loan offers from top lenders with one secure form. If you don't qualify for a personal loan, consider building your credit first with a secured credit card or a credit-builder personal loan.

Frequently Asked Questions

Can you get a personal loan with no credit?

Getting a personal loan with no credit is challenging because lenders have no reason to trust you yet. They don't want to be the first to extend you a credit line. However, if you apply with a qualified cosigner, the cosigner will also be responsible for the debt, which can give lenders the assurance they need.

Where can I get a loan with no credit?

We have listed the best personal loans for people without credit in the list above. These lenders are your best bets if you are new to the borrowing world. They are more lenient when it comes to credit requirements, and they allow for cosigners. If you still can't get approved, you have a few options.
You can try to get a credit card as credit cards are typically easier to get without credit. If you can't get approved for a credit card either, you may want to open a secured credit card to begin building your credit. Last resort borrowing options include auto title loans and payday loans, but we recommend avoiding these if possible.

What's the easiest loan to get with no credit?

The easiest loan to get with no credit is a payday loan, auto title loan, or another type of secured loan, such as a pawn loan.
We recommend applying for a personal loan from one of the lenders listed here first. You may have a better chance of approval if you have a friend or relative willing to cosign the loan. This can be a risky solution because the cosigner will be on the hook for the loan if you default.

What are the pros and cons of personal loans for no credit?

Personal loans for no credit from the lenders listed above come with better rates and terms than other loan options for subprime borrowers. However, the costs will be higher than you would pay with more established credit. As you build a positive credit history, you will be able to qualify for personal loans for good and great credit, which will come with larger loan amounts, lower costs, and more flexibility.

How to get a personal loan without a credit check?

The first step should be to check your credit report and find out exactly what it says. Are there errors or inaccuracies that are bringing down your credit score? You would be surprised how often credit bureaus have incorrect information on their databases.
If your credit is below 600, you will struggle to get a personal loan. However, there are still options. Try the lenders in the list above. If they don't work out, consider getting a credit builder loan or a secured credit card to build your credit first.

What is a credit-builder personal loan?

Credit-builder loans are similar to regular personal loan unction like installment loans, but they’re designed to help you establish or improve your score.
When you take out a standard credit-builder loan, you don’t get the money upfront. Instead, the lender opens a savings account and deposits the loan proceeds. This serves as collateral in the event you default on the loan.
Once you’ve paid the balance in full, you can withdraw the money plus interest. Even better, payments are reported throughout the life of the loan, so your payment history will receive a boost.

What are the best personal loans for no credit?

Although most lenders will check your credit, some are willing to consider borrowers with no (or little) credit history. We have listed the best options above. If you don't qualify for a regular personal loan, you may want to consider a credit-builder loan or a secured credit card.

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