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Short on funds? Secure up to $750 fast—no credit check!

February 11, 2025

Do you need money before payday? Perhaps an emergency came up, or this month has been really expensive. If you have good credit, no problem, you can take out a loan. If your credit is bad or you have a very short credit history, your options are limited.

No-credit-check loans are one way to get the money you need. These lenders will not consider your credit score. Cash advance apps, Buy Now, Pay Later services, payday lenders, and certain credit unions let you borrow money without a hard credit pull. 

Anyone can secure funds. The catch is that no-credit-check options often come with high risks. We’ll go over what choices you have and borrowing alternatives to find the best way to get the cash you need.

Types of loans without credit checks

Cash advance apps

Cash advance apps, also known as paycheck advance apps, allow users to borrow small amounts of money against their next paycheck. These apps analyze your income and banking activity to determine how much you can borrow. They may require you to set up direct deposit or link to a timesheet so they can determine how much you earn.

The amount you can borrow ranges from $20 up to $750 per pay period. Usually, the app will start you off with a lower amount and increase your borrowing ability as you repay the advance on time. Advances are generally repaid with your next paycheck. Some apps let you change the due date. Most won’t charge a late fee if you don’t pay on time.

The apps make it easy to request an advance. They can usually approve you in minutes and will deposit the funds directly into your bank account. You’ll receive the money within one to three business days, or you can pay a fee for instant delivery and get it within minutes.

Most apps charge a small fee or request optional “tips” instead of traditional interest rates. Be careful how much you tip. Overall, they are less expensive than other no-credit-check, short-term loans.

Payday loans

Payday loans are classic no-credit-check loans. You can easily borrow $100 up to $500 with a pay stub and checking account.

While payday loans offer fast cash, they can be challenging to repay. They often have extremely high fees – APRs can exceed 400%. The repayment term is usually short – only one to two weeks.

Most consumers can’t repay payday loans as agreed. They end up having to roll over the loan or take out another loan to cover the first.

Payday alternative loan (PAL)

Offered by federal credit unions, payday alternative loans (PALs) provide a safer, lower-cost option than payday loans. Like payday lenders, credit unions will evaluate your income and ability to repay the money instead of your credit score. 

The difference is that PALs are more affordable. These loans have repayment periods of one to 12 months, their APRs are capped at 28%, and the application fee cannot exceed $20. 

PALs are a great option for bad credit borrowing, but they come with a catch. Not all credit unions offer PALs, and you must be a member for at least one month to qualify. Additional criteria may apply depending on the credit union.

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Credit card cash advances

If you have a credit card, you can withdraw cash from an ATM or bank branch through a cash advance. No additional credit check is necessary; you’ve already been approved for the card. Your issuer sets the amount you can withdraw. Generally, the cash advance credit limit is lower than your regular credit limit.

Credit card cash advances give you instant access to cash but are costly. There’s the ATM fee, and your issuer will charge a cash advance fee, typically 3% to 5% of the borrowed amount. The most significant cost, though, can be the interest. Cash advances come with much higher APRs than regular purchases and no grace period. You are charged interest from the moment you take the money out of the machine.

If you only need a small amount and know you’ll be able to repay it quickly, a credit card cash advance can come in handy.

Buy Now, Pay Later (BNPL) services

BNPL services let you purchase an item and pay for it in installments without a credit check. Instead of borrowing cash, you split the cost of a purchase into four payments, often with no interest if paid on time. 

Miss a payment, and you will likely be charged fees. Some BNPL providers report missed or late payments to the credit bureaus, affecting your credit if you fall behind.

BNPL services can be very helpful when you’re short on cash. They can help you finance larger purchases and make items more affordable. Be careful that you don’t overuse it and can keep track of all your payments.

What to know when looking for a loan

Any time you borrow money, it’s vital that you do so responsibly. Here’s what you need to consider

Interest and fees

Loans that don’t require credit checks often come with higher costs. Figure out how much it will cost you before you borrow. Compare the total cost of borrowing between different options and lenders before you take out money.

Repayment terms

Consider when you have to pay back the money. No-credit-check loans often have short repayment periods, which can make them difficult to repay. They can be especially challenging if you have to pay back the lump sum plus interest at once. If you miss a payment, you may be hit with late fees. 

Lender’s reputation

Look up potential lenders on the Better Business Bureau (BBB) and Consumer Affairs. Take the time to read customer reviews and find out how they handle complaints. You want a lender with good customer service and a decent rating in case anything goes wrong.

Watch out for scams

The loan industry is rife with scams. Be cautious of lenders that guarantee approval, ask for upfront payments, or request personal information like your Social Security number before offering loan details. Legitimate lenders will clearly outline loan terms before requiring payment and won’t pressure you into acting fast. If something feels off, it’s best to walk away.

How to qualify for a no-credit-check loan

No-credit-check loans are easier to qualify for since lenders are less concerned with your credit scores. Some are even willing to lend money without checking to see if you can repay it. Each lender has its own criteria. In general, you have to be over 18 years old and have an active bank account to qualify.

Many cash advance apps require a history of recurring direct deposits into your linked checking account. Many want a steady paycheck from your employer or an electronic timesheet. 

Payday lenders tend to have the least requirements. They will want proof of income (such as a pay stub) and a valid government-issued ID.

Most credit unions require you to be a member for over one month and have a certain number of direct deposits to qualify. 

BNPL services usually only want you to link a debit card, credit card, or bank account. To borrow larger amounts, you may need a history of on-time payments.

Check with the lenders you’re interested in to find out the exact requirements.

How to apply for a no-credit-check loan

1. Check your bank account history: Look at your bank account. Make sure you have a steady income and enough funds to cover automatic withdrawals. Inconsistent deposits or frequent overdrafts could reduce your borrowing chances. A consistent history of direct deposits from your employer will increase your chances.

2. Do your research: Not all no-credit-check loans are the same. Compare potential loans to find the most affordable option.

3. Gather required information: Get the necessary documents together to speed up the application process. Depending on the type of loan, you may need:

– A government-issued ID

– Proof of income (pay stubs, direct deposit history, or bank statements)

– A checking account linked to your paycheck

Having everything ready will decrease the chances of delays.

4. Apply: Most applications can be completed online or through an app. Fill out the application form or create an account with the app. You may have to link your bank account or debit card details. Approval times vary but are typically within a few hours or a day.

5. Make a plan to repay: Have a repayment plan in place. Repaying the money as agreed is the best thing you can do for your overall financial health. 

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No-credit-check loan alternatives

While no-credit-check loans can provide quick cash, they often come with high fees and short repayment terms. Consider these alternatives if you want a safer or more affordable option.

Bad-credit loans

Many online lenders and credit unions offer bad credit personal loans. These are installment loans designed for borrowers with low credit scores. They typically have lower interest rates and more flexible repayment terms than short-term loans. While lenders may check your credit, they have more lenient credit score requirements. These lenders focus more on your income and ability to repay rather than your credit.

Small-dollar bank loans

Some big banks and credit unions have started offering affordable small-dollar loans to help customers cover unexpected expenses. These loans range from $100 to $1,000. Banks may require a checking account in good standing to qualify, but they don’t always require good credit.

Secured personal loan

You may qualify for a secured personal loan if you have a savings account, car, or other valuable asset. You put down the asset as collateral to secure the loan. The lender can seize it if you fail to repay as agreed. Secured loans are less risky for lenders due to the collateral. As a result, they often have lower interest rates, higher borrowing limits, and are easier to qualify for. Make sure you can afford the payments to avoid losing your asset.

Co-signed or joint loans

If you have a trusted friend or family member with good credit, you can ask them to co-sign or apply for a joint loan with you. Having an applicant with good credit on the loan will increase your chances of approval with better rates. 

In both scenarios, your co-applicant is equally responsible for repayment. Missed payments will affect both parties, so pay on time. The difference is that co-signers have no claim on the money, while co-applicants have access to the funds.

Family loans

Loans from family or friends can be the cheapest way to borrow money. There’s no formal lender, so you’ll likely avoid interest charges and fees. The obvious problem is the potential for strained relationships. Set clear repayment terms in writing and stick to your payment schedule for best results.

Frequently asked questions

1. Can you get a loan without a credit check?

It is possible to get a loan without a credit check. These loans are often based on your income, employment, or banking history rather than credit scores. While they provide quick cash, they usually have higher fees and shorter repayment terms.

2. What is the easiest loan to get on the same day?

The easiest same-day loans are payday loans or cash advances from fintech apps. These loans have lenient requirements and can be approved in minutes.

3. Are no-credit-check loans a good idea?

No-credit-check loans can be risky due to the high fees and short repayment periods. Always be sure you can repay money before you borrow to avoid being trapped in debt. Cash advance apps are safer than other options but still have risks. Consider low-interest personal loans, secured loans, or PALs from credit unions when possible.

Bottom line

While convenient, no-credit-check loans come with serious risks. Their high costs make it easy to fall into a cycle of debt, where each loan leads to another just to stay afloat. If you must borrow, consider low-risk loans. Safer alternatives include credit union loans like PALs, small-dollar bank loans, or secured loans. These loans are often available for consumers with bad credit, have lower costs, and have more manageable repayment terms.

Better yet, build an emergency fund so you don’t have to rely on borrowing when unexpected expenses arise. Even saving a small amount each month can help you avoid the need for costly loans in the future. 

While cash advance apps and other no-credit-check options can provide temporary relief, the best long-term solution is your own safety net. That way, you don’t have to rely on expensive short-term loans when life throws you a curveball.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.         Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.  The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.           Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
2. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees.                                                                                                                                                       Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
3. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.
4. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.
5. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
6. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.
7. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank.
8. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
9. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.
10. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.
11. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
12. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.
13. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.
14. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
15. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
16. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
17. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
18. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
19. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
20. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
21. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
22. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
23. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
24. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
25. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
26. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
27. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
28. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
29. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
30. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
31. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
32. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
33. Tipping or not tipping has no impact on your eligibility for SpotMe®.
34. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
35. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
36. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
37. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
38. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.
39. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
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About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

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