Top Online Lenders with No Credit Check in the US (2025)

When you’re looking for a loan but have a poor or nonexistent credit score, it can be challenging to secure traditional financing. Fortunately, some online lenders offer loans with no credit check or minimal checks, allowing borrowers with bad credit to still get the funds they need. However, it’s important to note that no credit check loans typically come with higher interest rates and fees to offset the lender’s risk. Below are some of the best online lenders that provide personal loans without a credit check.

1. Upstart**

Overview:

Upstart is a reputable online lender that uses artificial intelligence (AI) and alternative data (such as education and employment history) to assess loan eligibility, making it easier for people with poor or no credit history to qualify.
Loan Amounts: $1,000 to $50,000
APR Range: 6.18% to 35.99%
Repayment Terms: 36 to 60 months

Why Choose Upstart?

AI-Based Approval: Upstart’s AI system reviews factors beyond your credit score, increasing the chances of approval for those with no credit or poor credit.
No Hidden Fees: There are no prepayment penalties, and the loan terms are clear.
Fast Funding: Approved loans are funded quickly, typically within one business day.

Eligibility Requirements:

No minimum credit score requirement (though good credit improves chances)
Stable income (proof required)
U.S. citizenship or permanent residency
Must not have too much existing debt

Website: https://www.upstart.com

2. NetCredit**

Overview:

NetCredit offers personal loans and lines of credit with flexible borrowing options. It doesn’t rely solely on your credit score to determine eligibility and allows for larger loan amounts than some other no credit check lenders.
Loan Amounts: $1,000 to $10,000 (for personal loans)
APR Range: 34.90% to 155.00% (depending on your creditworthiness)
Repayment Terms: 6 to 60 months

Why Choose NetCredit?

Soft Credit Check: NetCredit performs a soft credit inquiry that does not impact your credit score.
Flexible Terms: Borrowers can customize loan terms and repayment schedules.
Quick Approval: The application process is quick and straightforward, with funds often deposited within 1 to 2 business days.

Eligibility Requirements:

No minimum credit score required.
Must be a U.S. citizen or permanent resident.
Must have proof of income.

Website: https://www.netcredit.com

3. OppLoans**

Overview:

OppLoans provides personal loans with no credit check, catering to those with poor or no credit history. They focus more on your ability to repay the loan rather than on your credit score.
Loan Amounts: $500 to $4,000
APR Range: 59% to 160% (depending on creditworthiness)
Repayment Terms: 9 to 24 months

Why Choose OppLoans?

No Credit Check: OppLoans doesn’t perform a traditional credit check, making it easier for borrowers with bad credit to get approved.
Fast Funding: Once approved, funds are typically deposited into your account as soon as the next business day.
Simple Terms: The loan terms are easy to understand, with clear repayment schedules.

Eligibility Requirements:

Must have an income source (steady income required)
Must be a U.S. citizen or permanent resident
Be at least 18 years old
Active checking account

Website: https://www.opploans.com

4. BadCreditLoans**

Overview:

BadCreditLoans is a marketplace that connects borrowers with lenders offering loans even with bad credit. While not all lenders on the platform offer loans with no credit check, many of them don’t require a hard credit inquiry.
Loan Amounts: $500 to $5,000
APR Range: 5.99% to 35.99%
Repayment Terms: 3 to 60 months

Why Choose BadCreditLoans?

Marketplace Platform: Instead of applying for a loan directly from one lender, you can compare multiple loan options from different lenders in one place.
Quick Process: You can get pre-qualified with a soft credit check, and loan offers are typically sent within minutes.
No Prepayment Fees: You can pay off your loan early without facing additional fees.

Eligibility Requirements:

Minimum income requirement (varies by lender)
U.S. citizen or permanent resident
Must have an active bank account and a steady source of income

Website: https://www.badcreditloans.com

5. Earnin**

Overview:

Earnin is an app that provides access to your earned wages before payday, without a credit check or interest. It’s not a traditional loan, but it helps you access funds you’ve already earned.
Loan Amounts: Up to $500 (depending on your earnings)
APR: None (since it’s not a traditional loan)
Repayment Terms: Due on your next payday

Why Choose Earnin?

No Credit Check: Earnin doesn’t perform any credit checks.
No Fees or Interest: There are no hidden fees or interest charges, but voluntary tips can be given if you’re satisfied with the service.
Flexible Repayment: Repayment is automatically deducted from your next paycheck.

Eligibility Requirements:

Must have a regular paycheck
Must use a supported bank account
U.S. citizens or permanent residents only

Website: https://www.earnin.com

6. PayActiv**

Overview:

PayActiv is another app that offers earned wage access, giving you access to the wages you’ve already earned without the need for a credit check or loan application. Similar to Earnin, PayActiv is not a traditional loan but allows you to access your wages before payday.
Loan Amounts: Up to 50% of your earned wages
APR: None
Repayment Terms: Repaid on the next payday

Why Choose PayActiv?

No Credit Check: No credit check is required.
No Fees or Interest: There are no fees or interest charged, though employers may offer the service as part of employee benefits.
Quick Access: You can access your earned wages quickly with funds transferred directly to your account.

Eligibility Requirements:

Must be employed by a company that offers PayActiv
Must have access to a supported bank account

Website: https://www.payactiv.com

Conclusion

Online lenders with no credit check can be a lifeline for individuals with poor credit. While these options allow you to access funds quickly, they often come with higher interest rates to compensate for the lack of credit check. It’s important to carefully read the terms and consider the costs before applying for one of these loans. Always make sure the lender is reputable and avoid payday loan apps, which can have even more extreme terms.

These online lenders, like Upstart, NetCredit, OppLoans, and others, provide more flexible, reliable options compared to payday lenders and offer a more transparent, customer-friendly loan process.

Top Online Lenders with No Credit Check in the US (2025)