Best no credit check loans in 2022: Get instant payday loans online with guaranteed approval

No credit check loans are credit-related products that allow users to access quick funding without undergoing a credit check. With a large number of Americans unprepared for financial emergencies, these types of loans are becoming increasingly popular.

Over the last couple of years, many no-credit-check lenders have emerged in the lending market. Many lenders claim to deliver fast and convenient service for borrowers and make all their financial problems disappear.

But unfortunately, no-credit-check loans are not magic. And, if you make the wrong choice, you might struggle to repay the heavy interest rate and hefty penalties.

To help you avoid further unnecessary debt, we’re sharing some of the best services for online
loans with no credit check

Best financial services for no credit check loans:

  • MoneyMutual – Overall best no credit check loans guaranteed approval
  • BadCreditLoans – A trusted platform offering quick loans for bad credit
  • RadCred – Top loan company for personal loans with no credit check


– Overall best no credit check loans with guaranteed approval

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MoneyMutual represents one of the most well-known lending networks in America. The company’s been operating in the lending market for over a decade, helping millions of Americans get the funding they need through a fast and straightforward online application.

If you’re worried that your credit score would impact your chances for approval or that it might worsen the loan conditions you’ll get, MoneyMutual might be able to acquire you a loan offer without performing a credit check.

To qualify for a loan on the platform, you won’t be required to provide your credit score. All you have to do is check off some basic eligibility standards, and the service will connect you to its vast network of lenders who don’t mind working with bad credit.


MoneyMutual has pretty easygoing eligibility criteria. To qualify for a no credit check loan, you must be 18 years old, have an active checking account in your name, and receive a steady monthly income.

Since MoneyMutal offers loans of up to $5,000, you’ll need to receive at least $800 in a verifiable monthly income. The company’s eligibility criteria are pretty flexible, but some lending partners may have stricter requirements.

If you check off these requirements, you can start filling out the application form, which you can find on MoneyMutual’s website.

The online form is the first thing you’ll see when entering the site. It only asks for some basic personal details and proof of their authenticity. The information is vital so potential lenders can assess your financial stability and decide whether they can make you an offer.

Suppose you land a loan offer, which shouldn’t be surprising considering MoneyMutual’s success rate. In that case, you’ll move out of the service’s platform and communicate directly to the potential lender. That’s when you need to be more careful since MoneyMutual is only responsible for your safety on its website.


  • A reputable lending network with more than a decade of experience and over two million satisfied customers
  • The user-friendly interface and straightforward requirements will help you complete the online application form in less than five minutes
  • Depending on availability, you might be able to get loan approval within 24 hours
  • All your data on MoneyMutual’s website is safely encrypted


  • You’ll need to provide proof of citizenship to qualify for a loan with MoneyMutual

To sum up

MoneyMutual offers an innovative way to get a loan, compared to all the hassle that’s often associated with getting a traditional loan. The platform is very simple to use, allowing anyone to complete the online form and get a quick response to their request.

#2. BadCreditLoans – A trusted platform offering quick loans for bad credit

BadCreditLoans (1) (5) (1)Spotlight Wire

BadCreditLoans is another excellent lending service that can help you get an online loan without a credit check. The Nevada-based company is not a direct lender but acts as a bridge connecting borrowers with suitable lenders.

To help you get better odds for approval, BadCreditLoans works with a vast network of lenders. They work with student loans, same-day loans, car loans, personal loans, and many other credit forms.

If you’ve grasped its name, you probably know that the service is available to work with all types of credit. To help its users get the funding they need, BadCreditLoans has created a straightforward and convenient online application, allowing you to apply for an online loan within minutes.


BadCreditLoans is at your disposal 24 hours a day, seven days a week. Once you apply, a specialized algorithm verifies its data and compares it to the available lenders in its network. Within a few seconds, your application is shared with many lenders of BadCreditLoans’ extensive network so that you might get a quick response.

The company claims that lenders associated with the platform are available anytime, so you might not have to wait for a more convenient part of the day to start your search for an online loan.

If you’re interested in a bad credit loan, you’ll be happy to know that you can use the platform without paying. BadCreditLoans’ services are free of charge for borrowers and also non-obligatory. That gives you an excellent opportunity to explore your options without being obliged to accept unfair offers or pay any upfront costs.


  • Loan amounts ranging between $500 and $10,000
  • The lending platform uses advanced data encryption technology to guarantee your privacy and security
  • All users are granted free access to the service’s comprehensive lending network
  • The website features a scam alert section protecting users against online scams
  • A quick way to get a no credit check loan through three easy steps


  • BadCreditLoans has slightly more rigorous eligibility criteria

#3. RadCred – Top loan company for personal loans with no credit check

RadCred (1) (6)Spotlight Wire

Next in line is another highly reputable lending platform, RadCred. RadCred is a relatively newer company that quickly found its place in the lending industry. Its platform is a lending marketplace comprising many accredited lenders and one of the most reliable sources for no credit check loans.

Getting started with RadCred is easier than you can imagine. You’ll see the short application form as soon as you enter the site. It only requires you to fill five different fields, after which your data is shared with RadCred’s lending partners.

Although the service has quite an extensive lending network, it collaborates with some third-party services as a part of its plan B when it cannot acquire a loan offer from its network.


  • Highly flexible loan conditions and APRs
  • The maximum loan amount is negotiated between the borrower and the lender
  • Fast fund transfer after accepting a loan offer, sometimes within 24 hours
  • No costs for using the platform
  • For better chances of approval, borrowers are allowed to add co-signers to their application


  • RadCred’s lending partners are likely to perform a soft or hard pull during the loan process


Q1. Will late payment affect my credit score?

Not being able to repay your debt on time doesn’t necessarily have to reduce your credit score. It depends on the lender that’s granted you the loan. If they report your credit activity to a credit bureau, falling behind with your payments may significantly worsen your score. But not all lenders do that, and if they won’t, your payments will in no way affect your credit score.

Unfortunately, that goes for your positive financial behaviour as well. If your lender doesn’t report to credit bureaus, making timely payments won’t be recorded and won’t positively impact your credit.

Q2. How do no-credit-check loans work?

As the name suggests, the lender won’t perform a credit check or a hard pull on your credit for a no-credit-check loan. Instead, they’ll consider various other data to measure your creditworthiness.

Some common factors that are taken into consideration for no credit check loans are your income, employment status, and bank account standing.

Still, there are cases when the lender will want to see your credit score. In such cases, instead of running a hard credit check, they’ll run a soft pull that doesn’t impact your credit score but provides the lender with the necessary information. The requirements are:

  • Age – You must be at least 18 years old to apply for a no credit check loan (or 19 in Alabama and Nebraska)
  • Income – You’ll need to have a job or another type of verifiable source of income
  • Bank account – Some lenders require you to have a valid checking or savings account
  • Citizenship – Although it is not always the case, most lenders require proof of US citizenship or a permanent residence.


By now, you might have found some clarity on how these loans work and how you can obtain one. You should now be able to understand the meaning of the loan amount, loan term, and all other penalties and conditions that might be included in your loan offer.

With the help of your financial consultant, you should be able to review your proposals and accept nothing less than a fair deal. To improve your chances of approval and get as many loan offers as possible, you could send your application to some of the aforementioned platforms.

Although MoneyMutual is one of the best choices among the rest, it won’t do any harm if you get a couple of offers from the other services and compare them before accepting one.

Disclaimer: The above content is non-editorial, and TIL hereby disclaims any and all warranties, expressed or implied, relating to it, and does not guarantee, vouch for or necessarily endorse any of the content.

The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan.

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