Top Income-Based Loans You Can Qualify for with No Credit

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Key takeaways

With income-based loans, lenders focus more on your salary or employment status than credit scores.
These loans can be fast and accessible, but often have high interest rates and shorter repayment periods.
Always compare lenders and read the fine print to avoid costly fees and ensure the loan fits your budget.

Everyone hits a rough patch now and then and needs extra cash. If you don’t have an emergency fund, then you’ll have to borrow money. But what if you have bad credit or no credit history?

You may qualify for an income-based loan. These loans use your income and employment history as a deciding factor rather than your credit score. They may be able to give you the cash you need, but they come with drawbacks, namely higher interest rates and extra fees. Always consider the total cost of the loan before you borrow.

Here’s what you need to know about income-based loans.

What is an income-based loan?

An income-based loan is a type of financing where the lenders place more emphasis on your current income rather than your credit score. They determine your ability to repay the money based on your earnings, employment stability, and monthly expenses. Some lenders may set a minimum income of $35,000, whereas others are not concerned with exactly how much you earn.

While loans with no credit check are helpful if you have no credit history or a poor score, they are usually more expensive. Lenders take on more risk when they accept borrowers with bad credit. To make up for the risk, they’ll set higher interest rates and short repayment terms. Always read the fine print and compare offers.

Can you qualify for income-based loans with no credit check?

You can qualify for income-based loans with no credit check. Financial institutions designed these loans for borrowers with little, poor, or no credit at all. Instead of pulling a credit report, lenders assess your income level, job stability, and bank activity to determine eligibility.

Some lenders will conduct a soft inquiry as part of the application process. The soft pull lets them see limited information, including basic credit history details and an estimated score. It helps them understand your ability to repay. Unlike a hard inquiry, it will not be added to your credit report or impact your score.

Loans based on income, not credit, are often available through online platforms, payday lenders, or alternative financial providers. You can usually apply for income-based loans online. You will typically need proof of regular income, such as pay stubs, W-2s, recent bank statements, or benefit statements. Many lenders provide same-day approval and funding within a few business days.

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Common types of loans based on employment, not credit

If your credit score is holding you back from borrowing, then personal loans based on income only may be the answer. Here are the most common options:

Loan type	Description	Interest rates	Repayment terms	Credit check
Payday loan	A short-term loan based on your paystub	High, above a 400% APR	2-4 weeks, on your next payday	None
Credit union loans	An installment loan offered to credit union members with favorable terms	Maximum 18% APR	Varies, from 1 to 10 years	Yes
Loans from online lenders	Personal loan from online lenders with lenient requirements	A substitute for a high-cost payday loan from a federal credit union	Ranges from 1 to 7 years	Maybe
Small-dollar bank loans	A short-term loan based on your pay stub	Low	3 months	Maybe
Peer-to-peer loans	Installment loans from individual investors	6% to 10% APR	A few months to several years	Yes
Payday alternative loans	A small personal loan that banks offer to customers in good standing	Maximum 28% APR	1 to 12 months	Sometimes

Payday loans based on income

Payday loans are based on income, not credit. They are small, short-term loans typically due in full on your next payday. Most loans are for $500 or less and require only proof of income, an ID, and a checking account. If you need cash fast, small payday loans online with no credit check can be a convenient solution.

Income-based payday loans are easy to qualify for, and you’ll receive the funds quickly. Many lenders advertise 1 hour payday loans no credit check. If you can’t find 1-hour loans, you can often get $500 payday loans online same day.

The catch with payday loans is that lenders charge exorbitant fees and short repayment periods. Most lenders ask for a financing fee of $15 to $30 per $100 borrowed. While the financing charge may appear small initially, it is roughly equivalent to a 400% annual percentage rate (APR). The highest affordable APR is 36%.

Short on cash with a poor score?

Personal loans for bad credit!

Income-based personal loans

Income-based personal loans are ones where approval depends more on your income than your credit score. Many online lenders offer poor credit personal loans based on income. Look for lenders with a good reputation and a low minimum credit score requirement. Be wary of any lender that charges APRs above 36%.

Credit unions are another good option. These member-owned nonprofit financial institutions offer personal loans with lenient requirements. They consider your income, employment status, banking history, debt-to-income ratio (DTI), and score to determine if you qualify. The best part about credit union personal loans is that the APR will not exceed 18%.

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Many major banks now offer small personal loans to current customers. They base these loans on banking history and income, not credit. Most banks let you borrow anywhere from $200 up to $1,000 and repay the money in three months. Pew noted that banks price these loans 15 times lower than traditional payday loans.

Installment loans based on employment

Installment loans based on income only differ from traditional payday loans in that you have more time to repay the money. Instead of a lump-sum repayment, you’ll make fixed payments over 30 days or a few months.

The repayment period is longer, but these loans’ fees and interest rates are still high. Be cautious with any $500 loan no credit check offers, installment or not. Check the interest rates, fees, and repayment terms to ensure the loan is affordable before signing.

Credit builder loans

Credit builder loans are a smart way to improve your score while saving money. Unlike traditional loans, the lender holds the money in a secured account while you make monthly payments. They report your payments to the major credit bureaus each month. Consistently pay on time and your score will improve.

When you’ve repaid the loan in full, you receive the money. Approval depends on income, not credit. This option is excellent for first-time borrowers or those rebuilding credit. Once you have a higher score, you can apply for a regular personal loan with favorable terms.

Peer-to-peer (P2P) loans

Peer-to-peer lending, also known as social lending, lets you borrow from individual investors rather than financial institutions. Peer-to-peer lending for bad credit allows borrowers to access funds without relying on banks.

P2P lending platforms act like online marketplaces connecting individual investors with borrowers. Many investors offer P2P loans for bad credit, focusing more on your income, employment status, and overall financial situation.

Payday alternative loans (PALs)

Some federal credit unions provide payday alternative loans for bad credit. These loans do not place much emphasis on your credit score. In fact, many credit unions will not conduct a hard inquiry. They are more interested in your income and ability to repay the money.

PALs have lower costs and are easier to manage than traditional payday loans. Federal regulations set the maximum interest rate at 28% APR, including a $20 application fee. The repayment term varies from one to twelve months.

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Alternatives to loans based on income

You have other ways to get cash if you do not qualify for a loan or want to avoid interest and fees. These alternative loans offer more flexibility, fewer risks, and, in some cases, no credit requirements.

Borrow from friends or family: Sometimes, the easiest way to get help is by asking someone you trust. Borrowing from friends or family can be quicker and more affordable than any formal loan. Write down the repayment terms and any interest to avoid misunderstandings.

Sell unused items: Consider selling things you no longer need online through Facebook Marketplace, Craigslist, or eBay. This option can give you fast cash without any repayment obligation.

Go to a pawnshop: While you can’t get pawnshop loans no collateral, you can sell items directly to a pawnshop and walk out with cash. Pawnbrokers will often give you more money for selling your item outright than taking out a loan.

Pay with credit: Using a credit card for a short-term expense might be cheaper than taking a high-interest loan. Be mindful of interest rates and make a plan to pay off the balance as quickly as possible to avoid debt spirals. Credit card interest rates are high, but will be lower than those of payday loans.

Start a side hustle: The gig economy makes it easier than ever to earn extra money quickly. Food delivery, rideshare driving, tutoring, or dog walking can all be ways to generate cash fast without borrowing. You can typically receive your pay within 24 to 48 hours.

Join a lending circle: Lending circles, also known as rotating savings groups, are community-based programs. Members contribute to a shared fund and take turns receiving the full amount. These programs benefit tight-knit communities and often don’t require credit checks.

Set up a payment plan: If your expense involves medical or utility bills, contact the provider directly and ask about your options. Many offer payment plans that break the cost into manageable chunks without interest or late fees. Your medical provider may also offer assistance programs to help you cover your bill. Inquire about your options before you resort to borrowing.

Frequently asked questions

1. Can you get income-based loans for bad credit?

You can qualify for income-based loans even with bad credit. These lenders focus on your ability to repay based on your current income rather than your credit score. Many offer flexible terms and fast approval, especially online. Expect higher interest rates or shorter repayment terms to offset the lender’s risk.

2. How much money can you borrow based on income?

Loan amounts vary depending on your income level, debt-to-income ratio, and the lender’s policies. You can borrow anywhere from $100 to $5,000, though some lenders may offer more.

3. What does income need to be for a poor credit score?

No universal income requirement exists for borrowers with poor credit, but most lenders want to see consistent earnings. Many look for at least $1,000 to $2,000 in monthly income before taxes. Lenders also consider whether your pay or benefits are consistent. Steady employment will improve your chances, even on a low income.

4. How to get a personal loan with a low income?

To get a low-income personal loan, focus on lenders that base approval on employment and bank activity. Provide clear proof of income, consider a co-signer, or look into secured loans that reduce lender risk. Smaller loan amounts, credit unions, or community-based lenders may also be more flexible with income requirements.

5. Can you get a loan based on income?

Many lenders offer loans based solely on income. These are especially common among payday lenders, online installment lenders, and credit unions. Instead of reviewing your credit score, they’ll assess your job status, monthly earnings, and repayment ability. These loans are ideal for those with no or poor credit history.

Bottom line

A steady income can help you qualify for a loan despite a poor score. Shop around for the right lender. Compare your options and consider the total cost of borrowing.

Income-based loans are helpful when you have bad credit but expect to pay higher fees for the privilege of borrowing. Make a plan to repay the money before you sign a loan agreement. Borrowing without a plan can easily lead to debt.

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.

2. Paycheck Advance is an earned wage access service and is not a loan or credit product.

3. 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/or 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.

4. 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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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.

10. 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.

11. 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.

12. 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.

13. 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.

14. 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.

15. 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.

16. 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.

17. 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.

18. 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.

19. 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.

20. 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.

21. 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.

22. 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.

23. 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.

24. 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.

25. 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.

26. 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.

27. 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.

28. 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.

29. 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.

30. 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.

31. 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.

32. 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.

33. 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.

34. Tipping or not tipping has no impact on your eligibility for SpotMe®.

35. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

36. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

37. 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.

38. 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.

39. 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.

40. 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.

41. MyPay is only offered in select states

42. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply.

43. Not affiliated with Empower Annuity Insurance Company of America (www.empower.com). Not everyone will qualify. Offers range from $10-$300 for first-time customers; $10-$400 for all others. Offers are based on our eligibility requirements and can go up with on-time payments. In Feb 2025, the average offer was $95 for first-time customers; $187 for all others. Instant delivery is optional—see fees in Empower’s Terms. Empower offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.

* EarnIn is not available for Connecticut residents

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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Top Income-Based Loans You Can Qualify for with No Credit

Key takeaways

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What is an income-based loan?