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No Credit Check Loans
Apply Now for $100 to $35,000

If you are looking for loans with no credit checks, Finger Finance can help you borrow money with no credit and bad credit options. With a fully online application process and no upfront fees, you can check your eligibility for a loan by clicking on 'Get Started' below!

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on
the mean APR of the lenders we work with

Where Can I Get a No Credit Check Loan?

Finger Finance can help you if you are looking for a loan without credit checks – since we work with a number of lenders across the US and can find the right product based on your personal circumstances.

From good credit to bad credit, our lenders are willing to take a view on different backgrounds and can help you get the loan you need today whether you are looking for $300, $500, $1,000 or more. When you apply for a loan with Finger Finance, we will match your application with the lender who is most likely to approve you and offer you the best rates.

We can offer no credit check loans in the following states including Alabama, California, Colorado, Florida, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nevada, Ohio, Texas and Tennessee. 

Our list of lenders includes credit unions, apps, installment lenders, secured loan companies, title loan providers, payday lenders and everything in between!

How to Apply for a No Credit Check Loan with Finger Finance

Our entire application is online from start to finish – and our lenders are ready to process your application 24 hours a day, 7 days a week. Simply enter a few basic details including how much you want to borrow and how long for and you can receive instant approval and sign your agreement electronically. Subject to further checks and if approved, you can receive funds within 1 hour, the same day or next business day!


Step 1 - Apply Online in 5 Mins

Enter some basic details into our loan application form in less than 5 minutes – available on desktop, mobile and tablet.


Step 2 - Get Instant Approval

Receive an instant decision when we match your application with a panel of specialist lenders across the US.


Step 3 - Get Funded!

Once fully signed and approved, your loan can be transferred to your bank account within 1 hour, 24 hours or the next working day.

What is a No Credit Check Loan?

No credit check loans means that you can get a loan offer from a company, without any credit checks being made against your name or report. 

For some people, they might have been denied loans in the past or have a bad credit score – and therefore they are looking for loans where there are no credit checks to save them time or find out what alternatives are available.

At Finger Finance, we work with such a diverse range of lenders that we can help, regardless of your background. So whilst credit checks are pretty much standard with any kind of loan application, we can offer a number of alternative products so that you can get the loan you need, whether it is for an emergency, starting a business, paying off debts or buying a new car.

Am I Eligible For a No Credit Loan?

You must meet the following criteria to be apply with Finger Finance:

  • U.S citizen
  • Over 18 years of age
  • Able to afford monthly repayments
  • Own a mobile phone
  • Earning a minimum monthly income of $800
  • Have a live checking account in order to receive funds

How Can I Get a Loan with No Credit Checks?

Whilst most direct lenders will carry out a credit check when you apply, there are certain financial products that do not take credit checks into consideration and you could be eligible based on having a regular income, they owning a property (secured loans) or a car or van (title loans or auto loans).

If you own a property, you can get a secured loan which uses your home or apartment as ‘collateral’ – and the idea is that you can borrow money, but the lender will own a stake of your property and repossess it in full or part if you are unable to keep up with payment.

With car, auto or title loans, you are able to borrow against your vehicle, such as your car, bike, van or motorhome. And similarly, you can release money from it and if you struggle to repay, the lender can seize your vehicle. 

Finally, for those looking for loans with no credit scores or no credit histories, Finger Finance is also connected to credit unions which offer very low rates and are very flexible based on your circumstances.

To be eligible, you may need to belong to a credit union as a member or be earning under their threshold – but this is another viable opportunity that will be presented to you.

no credit check loans

Types of No Credit Check Loans

  • Cash advances
  • Credit unions
  • Installment
  • Payday loans
  • Secured and title loans

Key Features

  • Borrow $100 to $35,000
  • Repay over 1 to 60 months
  • Completely online process
  • Bad credit considered
  • No fees for applying

How Quick Can I Be Funded?

  • Instant approval
  • 1 hour funding
  • 24 hour funds
  • Same day
  • Next business day

Why Would You Search for a Loan without Credit Checks?

If you have a bad credit score and have been declined for mainstream financial products in the past such as credit cards and personal loans, you may wish to avoid anything with credit checks.

Rather than go from lender-to-lender and face possible doom, you may be looking for a more specific product and a provider who is willing to take a view on different backgrounds.

At Finger Finance, we review over 8,000 points of data to match your loan enquiry with the right lender for you. 

There are a number of lenders who exist to help people with different circumstances and just because you have been declined in the past, does not mean that you will be declined again.

By having your own car or property and a regular income from work, this could open you to a number of different financial options – with no credit checks included!

Do You Offer Payday Loans with No Credit Checks?

Yes, Finger Finance can assist if you are looking for payday loans without any credit checking. This type of product is often used for short-term purposes ranging from 2 to 4 weeks and you can receive funds in one lump sum, usually to pay off an emergency.

Whilst this product will usually involve a credit check, you may find that some of our lenders may not need the traditional checks if you meet other aspects of their criteria – such as being a repeat borrower, being a homeowner, having a stable income or being over a certain age. 

If the payday option is not available, our engine may suggest better suited options, such as installment loans which are repaid over several months to be more flexible.

Can You Provide Guaranteed Loan Approval with No Credit Checks?

Unfortunately, loans can never be guaranteed, since every lender has a criteria and will enforce different rules to maximise their chances of full repayment.

However, at Finger Finance we are pleased to offer a viable solution that will present your application to a number of different lenders with a very diverse criteria.

So whilst nothing is ever guaranteed, we can do our best to point you in the right direction, saving you time from looking elsewhere and helping you to find the best lender with the most affordable rates.

Does Finger Finance Offer Installment Loans with No Credit Checks?

Yes, it is possible to get installment loans without credit checks, with the option to repay over 3,6,9,12 or 24 months in equal monthly payments. This option is a lot more flexible for some borrowers, so they can receive the money upfront to help pay off debts, clear any emergency expense or fix a household repair and then have several months to pay it off. Plus, you can always repay early if you would like to – with no added fees for doing so.

If you are recommended a secured, collateral or title loan product, this is likely to be repaid in installments and will not usually be subject to credit checks.

How Can I Boost My Chances of Getting Approved?

One of the most simple ways to maximize your chances of approval is typically to improve your credit score – since this really opens downs when applying for different loans and credit cards. 

If you have bad credit and have struggled to repay loans in the past, the best thing you can do is get into the swing of making payments again. There are credit builder credit cards which offer very small amounts and these can be used to get used to borrowing money and paying them off on time – and this will certainly help your score.

In addition, removing any unpaid debts will definitely help, so this could be achieved through savings, help from family or selling items you do not need. You could also use a debt consolidation loan, remortgage or borrowing against your car or home – and if you can pay off a bunch of debts, this will certainly make you look more attractive as a borrower. Just make sure that you can pay off the loan too.

Can I Still Get a Loan with a Bad Credit Score?

Yes, you can still get approved for a loan with a bad credit history, whether it is through an app, credit union or secured loan product, there are several options available to you.

It may also depend on how bad your credit score is, with some lenders willing to accommodate bad credit histories by offering small loan amounts of $100 or $300, longer term loans over 12 or 24 months or products with higher rates (at 500% APR) – but just be sure that you can pay this on time to avoid falling into debt.

How To Apply for a No Credit Check Loan with Finger Finance

We are pleased to offer a completely online application and you can apply for a no credit loan in less than 5 minutes. Simply enter your details, including how much and how long for and then we will run a series of automated checks to match your loan with the best provider for you. 

You will receive an instant decision and if you wish to proceed, you will be presented with an electronic loan agreement to eSign. 

The lender will usually carry out further checks and you may need to provide additional information such as a pay stub or bank statement. But once fully approved, you can have funds transferred to your bank account within a few hours, the same day or next business day too!

To check your eligibility, simply click on the ‘Get Started’ button below!

Frequently Asked Questions About No Credit Check Loans

How Much Can I Borrow with Finger Finance?

Finger Finance offers loans from $100 to $35,000 based on factors such as your income, credit score and residential status. Smaller amounts are usually borrowed for just a few weeks, whereby amounts of $5,000 or $10,00 may be for several months or years.

Are You a Direct Lender?

No, Finger Finance is not a direct lender, but we work with an excellent panel of direct lenders across the US who are licensed, regulated and responsible – and can help you get the most affordable and effective loan today.

Do You Run a Credit Check With Every Application?

Yes, the average US lender will run a credit check on every application and this is the most common way to check someone’s eligibility, but this will not decline you automatically, but maybe steer your application towards a product that might be better suited, such as a credit union, installment or title loan.

Do I Need a Good Credit Score To Be Approved?

No, not necessarily. The majority of applications that Finger Finance receives are for bad credit and are lenders are able to provide particular loan offers and products for them. The majority of Americans do not have good credit scores, so this should not turn off from applying or getting the loan you need.

Can I Be Declined a Loan Because of My Credit Score?

Yes, for certain products such as unsecured or personal loans, you might be declined outright for not having a fair or good credit history. But do not worry, we work with a range of lenders so will simply connect you to one that can help with poor credit and no credit check options.

Do You Run a Soft or Hard Credit Search?

We run a soft credit search so it will not impact your credit score at all and it will disappear shortly after. You can have peace of mind that when you apply, it will not harm your chances of being approved for other loans.

Will My Credit Score Be Affected When I Apply?

No, not usually. Unless you make a lot of applications in a short space of time, this might impact your credit score since it shows lenders that you are desperate for funds or potentially a victim of fraud. But if you make just one application, this will not have any negative effect.

What Kind of Loans Can You Offer Me?

We can offer anything from payday, installment, secured, title, personal or credit union loans – and you will be connected to the best lender and product based on the information you provide us.

What Happens if My Loan Application is Rejected?

Absolutely nothing! If your application is declined, you will not be charged any fees and it will not negatively change your credit record. However, we do not decline anyone, you will simply be presented with the most viable option for you.