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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How Do Non-Traditional Credit Check Loans Work?

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

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

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 for new customersinclude 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.

Download Our Mobile App

Access your available credit.
Manage your existing CASH 1 account 24/7
Make payments conveniently.

Cash 1 Mobile App

Download Our Mobile App

Access your available credit.
Manage your existing CASH 1 account 24/7
Make payments conveniently.

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CASH 1 Can Get You the Money You Need Without a Traditional Credit Check.

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