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. We understand how difficult it can get when you're in urgent need of cash and haven't built a strong credit history. So, we make borrowing funds easier with our instant loans that can give you the money you need in as little as 15 minutes. A non-traditional credit check loan provides easy and flexible repayment options with fast loan approvals.

Essentially, these loans use non-traditional scoring models that consider other types of financial data. These alternative scores help anyone who needs quick money, regardless of their credit score. There's no need to hesitate to apply for a loan because of low credit or no credit at all. Whenever you need emergency funds, you can start your application for a no credit check loan online, over the phone, or by visiting any of our store locations.

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How Do Non Traditional Credit Check Loans Work?

Apply Online
Please fill out our simple online application with your personal information.
Get Approved
Our quick approval process allows you to know how much money you qualify for in minutes.
Get Your Cash
You can receive cash in your bank account via direct deposit within 24 hours or go to one of our locations.

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.

CASH 1 Offers These Non-Traditional Credit Check Loans

CASH 1 offers a variety of loans to fit your needs. Finding the best loan for you is our specialty! Instant funding is available. Join hundreds of thousands of satisfied customers.

Personal Loans

Choose from various loans to help you get cash with fast approval.
Available in select states.

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Title Loans

Use your clear vehicle title as collateral to borrow up to $50,000.
Available in Arizona & Nevada.

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Personal Line of Credit

Have extra funds on standby with our hassle-free line of credit.
Available in select states.

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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.

How Quick Loans No Traditional Credit Check Work

Quick No Traditional Credit Check Loans have a longer repayment term than typical small loans. You'll have up to 90 days to repay! You will also have the option to pay the loan off without the worry of early payment penalties. We are quick cash loans direct lenders so you will always be assured the highest level of customer service available.

What Factors Does CASH 1 Take into Account When Evaluating My Credit History?

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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

Personal Installment Loan Requirements

Nevada Resident
18 Years of Age or Older
Government-Issued ID
Proof of Income
Open Checking Account
Not on Active Duty in Military

Personal Title Loan
Requirements

Nevada Resident
18 Years of Age or Older
Government-Issued ID
Proof of Income
A Clear Title for Your Vehicle
Your Car, Truck, RV or Motorcycle (for Brief Inspection)
Not on Active Duty in Military

*Requirements for New Customers.

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.

Where to Get a Loan with No Traditional Credit

Personal Installment Loans and Title Loans are available in Nevada.

Frequently Asked Questions About CASH 1 Loans

In Which States Do You Offer In-Store or Online Loans?

As a direct lender, we currently offer Title Loans, Online Installment Loans, and Cash Advances through our multiple locations in Arizona and Nevada. A Line of Credit is presently offered in Utah, Louisiana, Kansas, Missouri, and Idaho.

What Is the Maximum Amount I Can Borrow?

Personal Line of Credit: If you live in Utah, Idaho, Kansas, Missouri, or Louisiana, you can apply for a personal line of credit ranging from $100 to $2,500. This type of personal loan allows you to make numerous withdrawals up to the credit amount for which you've been approved.

Title Loans: Depending on the value of your vehicle and your ability to repay the loan, you can use your vehicle title as collateral and get up to $50,000. We only offer Title Loans in Arizona and Nevada.

Installment Loans: We offer Nevada residents convenient Personal Installment Loans ranging from $50 to $5,000 based on several parameters. These loans are short-term, fixed-payment loans depending on your monthly net income and repayment capabilities.

What Do I Need to Apply for a Loan with No Traditional Credit Check?

Our requirements to get a loan are simple and easy to meet. However, these requirements vary based on your loan type and state of residence. In general, our loan requirements include you being at least 18 years old, having an open checking account, holding some form of proof of income, and a government-issued ID.

Please remember that you cannot be on active duty in the Military to qualify for a loan from CASH 1. Apart from these basic loan requirements, you'll need to provide us with your Bank account number, routing number, and social security number if you apply online.