No Credit Check LoansYou Can Get a Loan With a Bad Credit History
No Traditional Credit Check Loans In
Credit Check Loans $100 to $2,500
Applying won't impact your credit score
Approval in as fast as 15 Mins
All Credit Welcome
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Same Day Cash $100-$50,000
What Is a No Credit Check Loan?
No credit check loans are short-term cash loans designed especially for people with less than stellar credit scores. These types of loans do not require a hard credit check when you apply. Using non-traditional scoring models, the lenders consider other types of financial data. There's no need to hesitate to apply for a loan because of low credit or no credit. You can start your application for a no credit check loan online, over the phone, or by visiting a location whenever you need emergency funds.
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What Is a Soft Credit Inquiry?
A soft credit inquiry (sometimes called a soft credit check or soft credit pull) is one type of credit inquiry that doesn't affect your credit score. A soft credit check can occur without your consent, for example, a pre-approved loan offer or credit card. Because of this, credit scoring systems like FICO do not consider soft pulls when calculating your credit score.
What Is a Hard Credit Inquiry?
When you apply for a loan or line of credit, a lender requests to review your credit report, that request is recorded on your credit as a hard inquiry. It can affect your score for up to 45 days. Having many inquiries over a short period can indicate you are at a higher risk to lenders because you seek to add more debt.
Will CASH 1 Run a “Traditional” Credit Check When I Apply?
When applying for personal loans, CASH 1 does not perform a hard credit check inquiry, which can hurt your credit score. Instead, we use a proprietary underwriting process that assesses your creditworthiness from various factors. We believe you are more than a credit score. That's why we assess your loan worthiness and approval limits using a proprietary method. To authorize loans, we consider a variety of financial parameters.
Our goal is to provide you with simple cash loans that you can quickly repay. We understand that getting a loan from a traditional lender might be challenging when you have a bad credit score.
What Are The Advantages of Typical No Credit Check Loans?
These loans have a fast and straightforward application process, which allows you to get approved for a loan without stressing your credit score. Generally, there are no prepayment penalties for paying off your loan early. Some lenders report your payment activity to the credit bureaus. As a bonus, you could improve your credit history by paying off your loan early and making timely payments.
What Does CASH 1 Take Into Account When Evaluating My Credit History?
Our loans are designed to help you reach your financial goals without hurting your credit. Moreover, we don't run a hard credit inquiry when you apply for a loan, instead, we use alternative methods to check your creditworthiness and your ability to repay the loan.
• Income Details
• Ability to Repay
• Employment Status
How Do Non-Traditional Credit Check Loans Work?
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