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Get Small Payday Loans Online with No Credit Check from Direct Lender at DirectLoanTransfer
A poor credit score can make it difficult to get a loan from banks and other traditional credit providers that check your FICO score before giving you a loan. If you find yourself in a situation like this and you’re cash strapped, your best bet is to apply for a no credit check loan. Providers that give loans like this don’t need to check your credit rating and can give you a loan even if you have poor credit history.

Can I Have No Credit Check Loans With Bad Credit?
Yes, you can apply for and get a no credit check loan with bad credit. Bad credit loan providers are known to provide loans for all categories of people, including those with poor credit.
They will not do a hard credit check on your account. They only require you to have a means of income to repay the loan. Thus, poor credit scores at the time of applying for this type of loan does not matter.
Can I Have No Credit Check Loans When Unemployed?
Yes. No credit check loans are great loans for unemployed people. Even if you don’t have a job right now, you can still get a loan. No credit loan providers only need you to demonstrate your ability to repay the loan by providing proof of steady monthly income.
Once you supply all the information required on the online application form, you will be sent an offer within minutes and your loan will be approved instantly. The maximum time it takes to get this type of loan is one business day. The entire process is quick and easy, so you don’t have to worry about long waiting times or gathering tons of paperwork.
Are No Credit Check Loans a Good Choice for Me?
Advantages | Disadvantages |
Guaranteed approval since the requirements for no credit check loans are flexible. | Loan usually comes with high interest. |
You can get a loan even with poor credit ratings. | Short-term loan with very short repayment period. |
Convenient online application with instant approval. |
Why Choose DLT For No Credit Check Loans
Trusted loan providers | Simple online application process | Free loan application |
Our network of loan providers offer the most flexible rates possible with no credit check. | You can apply for a payday loan with DLT anytime, anywhere and from any device. | Borrowers don’t need to pay any fees for our loan services. |
How Do No Credit Check Loans Work?
- Fill out an online form . To begin your online loan application, provide your basic information online on the DLT website and select your loan amount.
- Lender matching. Get matched with direct lenders and review the loan offers available near you Once you select a lender, you will be redirected to the lender website where you’ll complete your application—no credit report required.
- Loan approval. You’ll be notified of the status of your loan application via SMS or email. Once you accept the loan agreement, the money will be sent to your account.
No credit check loans usually take the form of personal loans, payday loans, personal installment loans, title loans, and so on. These types of loans are useful if you’re in need of money but you’re unable to get a traditional bank loan because you have poor credit rating.
Yes, no credit check loans typically have a high interest rate. Depending on the loan provider you may be asked to pay an annual percentage rate (APR) between 6% to 200% (or even more) as the case may be. When you consider the interest rates, no credit check loans are quite expensive.
Most forms of bad credit loans are unsecured loans. This means you do not need to use an asset as collateral to get the cash advance. However, a few no credit loan options such as title loans or pawn loans are secured loans that require you to use an asset as collateral to get the loan.
With a no-credit check personal loan, the borrower does not do a hard credit check before approving and sending you the loan. Typically, the payday lenders that offer this type of loan only do a soft credit check and use other factors like your income, standing of your bank account or a collateral to determine how much you can get.
No credit check loans are instant loans or same-day loans. Approval can take as low as 15 minutes to a few hours. In most cases, you will be able to get your loan before the next business day at the maximum.
The main requirement to get a no credit check loan is to have a steady means of income. The lender will prove that you have a means of repaying the loan amount you intend to take. This can be a job or any other verifiable source of income such as unemployment benefits, social security benefits, retirement funds and so on.
To be eligible for a no credit check loan, you must be at least 18 years of age. You must also have a verifiable means of income and must be resident in the state where you’re applying for the loan. There’s no minimum credit score requirement for this type of loan.
Credit checks are a means to determine the credit worthiness of a potential borrower. The bank will check your FICO score to know your credit history and determine how much of a risk it is to lend you money. This includes records of previous loans, how often you borrow money, your repayment history, and so on.
A bad credit history will limit your loan options, especially with traditional credit providers.
Most no credit check loans require you to have an active bank account. This is where the loan will be sent. Although there are exceptions, having a bank account is a major requirement for most loan providers because it makes it easier to automatically deduct the payment from your account when the loan is due.
After submitting your application, you will get an SMS or Email notifying you of the status of your application. Your application will be reviewed within a few minutes and the status of your loan request will be sent to you.
To increase your chances of getting a loan you need to show evidence of a stable income of at least $1,500 monthly with proof of earnings. Having no additional loans and using a popular or secure bank can also increase your chances of being approved for a loan and the amount you can get.
The information requested by DLT for your loan application is used to match you with a lender. Your information goes into the lending pool where you will be matched to the most appropriate lender for you.
With DLT no credit check loans you can borrow a minimum loan amount of $100 and a maximum loan amount of $5,000. However, the exact amount that will be approved for you depends on your income and other factors.
It is easier to get a no credit check loan compared to a bank loan. This is what makes this type of loan better than a traditional bank loan. The loan borrower does not need to undergo a hard credit check to determine their creditworthiness. They also don’t need to have a job and can secure a loan as long as they have a verified means of income with consistent monthly payments.
Fill an online application form on the DirectLoanTransfer website or enter your ZIP code to get a list of some of the best no credit loan business providers near you. After you are matched with a lender, you can review the offer and determine if you want the loan or not.
No, there are no prepayment penalties on the no credit check loans you get through DirectLoanTransfer. The online lenders on our network offer flexible payment plans and you can repay your loan before the due date without attracting a penalty.
Most lenders will deduct the loan payment automatically from your account on the due date. You may also pay back via electronic transfer or pay via check or cash depending on the loan provider you’re dealing with.