Alternatives to Bad Credit/No Credit Check Loans

Most no credit check loan websites require a base income of at least $800. However, this income doesn’t have to come from a single source of a nine-to-five job. What qualifies as income includes other compensations such as house property, profits, disability insurance, and many more. The important thing is reaching that base requirement with all your income sources combined. The higher your income, the easier it will be to get approved for bigger loans.

There are also special accommodations for veterans or people related to veterans. If you fall in this category, make sure to inform your potential lender upfront so that they can work with you there.

Basic Requirements

You need to be a US citizen, over 18 years of age, have an active checking account, and a monthly income of at least $800 or $1,000. Contact information such as a telephone number, email, and physical address will also be required upfront. Aside from that, further requirements will depend on the lenders themselves.

Complete Online Loan Request Form

A simple online form can connect you with many potential lenders. In most cases, you will be requested to fill in your basic contact information, the amount you would like to borrow and your credit information previously mentioned. Once provided, the website’s system does a pre-qualification and gives you the information of potential lenders. From there, it’s up to you to review their data.

After you’ve selected the right deal and lender for you, you can proceed with your no credit check loan. The process depends on the lender’s policy, but they might need more detailed information to finalize your loan details. From there, it should be smooth sailing to your loan.

Don’t let a bad credit score or history lure you into thinking you’re doomed because you’re not. Here are some alternative options if you can’t get a no credit check loan.

Personal Loans

Before going into any third-party loan agreement, you might want to consider requesting a more lenient loan from someone that you know. Personal loans are easier to manage as the interest fees and repayment terms are more flexible. However, if you are unsure about paying back the borrowed amount, this is not a good option. You could end up alienating someone close to you over it.

Bank Loans

Banks aren’t overly lenient with people with a bad credit score unless you have any special connection inside. But if you have a fair, good, or even excellent credit score, you can try your hand at bank loans instead of an online loan. They have steadier and generally lower interest rates than online loans. Not to mention there’s little room for distrust of reputation.

Credit Union Loan

Credit unions are overall more lenient and considerate with their loans and fees. Through them, you can get your funds promptly and easily. Forget about sky-high rates, and rest assured because the amount to repay will be lower than most other available loan options.

Overdraft/Credit Cards

Overdraft might be the easiest way to get quick funds. If you’re looking for a small amount, this is a quick fix, settled without involving anyone but your financial entity. You have to sign up to apply for an overdraft, but once done, it’s as easy as pie. Just avoid letting the negative balance sit too long unpaid. You don’t want to incur any excessive fees.


Looking for no credit check loans can be tricky, and spotting a good deal from a predatory trap even more so. Most of the listed lenders’ marketplaces have their own frequently asked questions page, but here are answers to some of the main concerns you may have.