Online Loans with No FICO Credit Check and Instant Lending Decision

Online loans with no FICO credit check and instant approval are short-term loans that are pre-approved online. These types of loans do not have a traditional credit check and can be approved in as little as 15 minutes. Getting instant money is difficult if you have bad credit. If you are looking for an alternative to traditional banks and other lenders who require good credit before giving you a loan then your search is over. CASH 1 is a direct lender in Nevada and Arizona where you can borrow emergency cash quickly instead of waiting for days or weeks and you won’t have to worry about getting denied because of your credit history.

Get Online Loans with No FICO Credit Check Instantly in 3 Easy Steps

  • Apply Online
  • Get Approved
  • Get Your Cash

Cash 1 Loans is an online installment loan direct lender that provides instant personal loans without any hassle. We get you the money you need almost instantly, because there’s no middleman involved and we understand that a financial shortage needs urgent attention. Our loan application process is quick, easy and highly secure to provide you instant approval for short term loan amounts up to $1,500 or title loans up to $50,000 with affordable interest rates. If you're ready for an instant approval loan, you can apply following these simple steps:

  1. It only takes a few moments to fill out the cash loan application above with your first name, last name, phone number and valid email address.
  2. A CASH 1 loan representative will call you back and assist you with completing your application, so there are no issues with missing information that could delay your loan
  3. Once you're approved, the representative will let you know the amount you can receive from your loan.
  4. You go to your nearest CASH 1 location, present your information, sign your documents and get your cash.
online loans no credit check instant approval

No FICO Credit Check: Instant Approval of Online Loans

All of us at CASH 1 understand that it’s stressful when you need extra cash for an unforeseen expense. Our simple lending process helps you get approved for a loan almost in an instant. Because we don’t do traditional credit checks, we approve more instant loans for bad credit every day. Our knowledgeable, friendly Loan Officers will help you find the right loan for your particular needs and we don’t have restrictions on how you spend your money. So don't worry, CASH 1 has you covered because you deserve more!

Why Choose Instant Online Loans with No FICO Credit Checks?

  1. Perfect for Emergencies
    When you have an emergency situation with your finances, you need money as fast as possible. Whether it's to avoid a utility shut-off or a car repair, the right type of instant loan is waiting for you.
  2. No Traditional Credit Checks
    If you've been turned down for loan at a bank or credit union because of your credit score, then you know that it's difficult to get money when you really need it.
  3. Instant Approval
    Certain lending institutions may take days or weeks to approve a loan. Instant online loans are approved, well, almost instantly.
  4. Easy Requirements
    The requirements for instant loans are easy to fulfill.

What Are My Instant Loan Options?

Depending on how much money you need, you have choices at CASH 1. Our payment plans for instant loans have low, fixed-rate payments that are divided evenly throughout your loan term. You can get up to 90 days with our instant cash advance loans and up to 6 months or more with our instant title loan products. In other words, if you get paid every two weeks, then you make a loan payment every two weeks. If you get paid once a month, then you make a loan payment once a month. You get the idea, right?

 

Instant
Cash Advance Loans
$100-$1,500 Today!

Our instant cash advance loans in Nevada can get you up to $1,500 and you make evenly divided payments that are due on your pay date for up to 90 days.

 

 

Instant
Title Loans $100-$50,000 Today!

Your clear vehicle title can get you up to $50,000 in as little as 15 minutes! NEW customers are eligible for No Payments for up to 60 Days in Arizona and No Payments for up to 30 Days in Nevada!*

 

 

Instant
Title Equity Loans $50-$2,500 Today!

If you live in Arizona, you can use the equity you have earned in your financed vehicle to get up to $2,500! No title required to get a Title Equity Loan and terms start at 6 months.

 

Instant Cash Advance Requirements:

  • Must Be a Nevada resident
  • Must Be at Least 18 Years of Age
  • Not on Active Duty in Military
  • Open Checking Account
  • Proof of Income
  • Government Issued I.D.
  • At Least 2 Personal References

Instant Title Loans Requirements:

  • A Clear Vehicle Title in Nevada
  • A Vehicle with Equity in Arizona
  • Must Be at Least 18 Years of Age
  • Not on Active Duty in Military
  • Open Checking Account
  • Proof of Income
  • Government Issued I.D.
  • At Least 2 Personal References

What No FICO Credit Check Means

You might be confused about what “online loans with no FICO credit check” might mean. Most lenders do not query the big 3 credit bureaus (Experian, Equifax, and TransUnion) for a “’hard credit check”. They may search consumer databases (TeleTrack, Clarity Services, Inc. or CL Verify) to review your loan history and verify your identity with a “soft credit check”. A “soft credit check” will not affect your credit score and is only visible to you. “Instant loans with no FICO credit check” means that your credit is not checked with the big 3 credit bureaus and will not affect your credit score.

The Difference between Hard Inquiries and Soft Inquiries

There are two types of credit inquiries that can occur on your credit report - hard credit inquiries and soft credit inquiries. Many financial institutions, companies, and employers use both soft and hard credit inquiries to gather more information on a consumer's credit history. Credit inquiries made with or without your permission can negatively affect your credit reports and scores. You should be aware of what credit inquiries are negatively affecting your credit score as there is a fundamental difference between the two types of credit inquiries. Read on to discover the difference between hard and soft credit inquiries and how to manage them.

What Are Credit Inquiries?

Credit inquiries usually refer to viewing a consumer's credit report or score by a creditor after the creditor receives a credit application from the consumer or the consumer accepts a credit offer from the creditor. Credit inquiries can be either soft or hard.
Soft credit inquiries occur when an individual checks his or her credit report, and when a credit bureau or company, an employer or person that is not a potential lender checks into that individual's credit report as part of a standard background check. Although both hard and soft inquiries may remain on your credit report for two years or 24 months, only hard inquiries will have an impact on your credit score.

What Is a Hard Inquiry?

A hard inquiry occurs when a potential creditor or financial institution, such as a lender or credit card or charge card issuer pulls or checks your credit report when you apply for any credit, such as a loan, credit card, mortgage, etc. with them. Hard inquiries are initiated by financial institutions when making a lending decision, and prospective consumers or credit applicants typically have to authorize them. Hard inquiries lower an applicant's credit score.
When a hard inquiry is made, it could reduce your credit score by a few points and may remain on your credit report for two years. A single inquiry may not hurt your credit score as much as you would think, but if multiple inquiries are made over a short period, your credit score could be lowered by many more points. Fortunately, credit scores are only affected by hard inquiries made in the past 12 months.
A hard inquiry takes place most commonly when you apply for credit, such as a loan of any kind, credit card, a mortgage, etc. through a financial institution. Typically you have to authorize the lender to initiate the inquiry meaning pulling or checking your credit report. Once you have applied for any credit, the potential creditor or lender will access and evaluate your credit report to make a lending decision. They will review your credit score, assess risk factors and determine whether you are qualified to secure new lines of credit, such as secure a credit card, a new credit account, better interest rates, or secure an increase in your credit card limit.

What Is a Soft Inquiry?

A soft inquiry typically occurs when an individual checks his or her credit report, and when a credit bureau or company, an employer or person that is not a potential lender pulls or verifies that individual's credit report as part of a standard background check. For example, soft credit inquiries occur when potential employers run background checks before they hire for new jobs, when credit card companies gather consumers' credit information from credit bureaus such as Equifax, Experian, and TransUnion and send pre-approved credit card offers to their targeted consumers, and when you check your credit score. Keep in mind, unlike hard inquiries, a soft search inquiry may occur without your permission and it will not negatively affect your credit score. Moreover, soft search inquiries may or may not be recorded on your credit file or report, depending on the credit bureau.

Know The Difference

By knowing the key difference between hard and soft credit inquiries, you can make the right decision when you or a company or person with a legal right and authorized by you could check your credit. The key difference between hard and soft credit inquiries is:

  • Soft inquiries have no impact on consumers' credit scores and are only viewable on credit reports are seen by the consumers.
  • Hard inquiries are visible to both consumers and creditors and can have a negative impact on your credit report and credit score.
Credit inquiries are often overlooked but deserve your attention as they have the potential to impact your credit standing. However, it is important to realize that only hard inquiries can negatively affect your credit score.

How to Dispute Hard Inquiries?

You can only dispute hard inquiries that have occurred without your permission. If a hard inquiry was made by someone (e.g., a company or person) without your authorization, you might be able to dispute it. Check your credit report to see the full details of the inquiry. Determine if you should dispute the hard credit inquiry that occurred without your permission. If you have authorized hard inquiry meaning they show up on your credit report for up to two years.

Check Your Credit Score from Time to Time

It is important to realize the importance of checking your credit report and score from time to time to make sure you are aware of the inquiries that show up on your credit report. Every hard credit inquiry has the potential to hurt your credit score. To keep track of hard credit inquiries, check your credit scores and credit reports. You can check your credit scores at a reputable credit website authorized to obtain credit report and score from credit bureaus. You can check your credit report and score as often as you like without affecting your credit score.

Online installment loans instant approval from CASH 1 get you money instantly.

For questions about CASH 1 Instant Loans in Arizona or Nevada, please call us at 844-831-4198.
*No Payments offer in Nevada and Arizona available on New Loans only, and not Auto Equity/Smart Loans.