While we all do our best to manage our finances, life tends to foil even the best laid plans. From car repairs to medical payments, unexpected bills aren’t only annoying, they can also be frightening. Wondering how you’ll make it to your next payday does not make for a good night’s sleep.

This is where a no credit check loan can help you along during tough times such as these. Even if your credit report has prevented you from receiving loans at other financial institutions in the past, you’ll be able to walk away with cash fast.

This is because your credit score won’t be checked through Experian or other such credit agencies.

According to Community Financial Services Association of America (CFSA), the only check most short-term loan companies utilize is a subscription service that indicates if a potential customer has outstanding payments at a similar business. Because of this, even if you have no credit, you’ll still be able to borrow the money you need.

Also, there is no need to worry about your privacy. CFSA member companies protect the confidentiality of customers’ personal information and uphold strict privacy policies. In addition, payday loan transactions are not reported to credit agencies. Therefore, your credit score cannot be hurt by utilizing this type of personal loan.

No credit check loans were created to enable those with poor credit scores to have access to emergency funds. There are two types of short-term loans: Payday Loan and Title Loan. Each of these personal loans is able to provide you cash when you need it most, and only a few items are needed to apply.

  • Payday Loan
    • Your most recent checking statement
    • Your driver’s license
    • Your social security card
    • Your checkbook
    • Your most recent paystub
  • Title Loan
    • Your vehicle’s title
    • Your vehicle’s registration
    • Your driver’s license
    • Your most recent paystub
    • Your social security card
    • Mail to verify your address

If You Need a No Credit Check Loan, You’re Not Alone.


According to CFSA, “more than 19 million American households count a payday loan among their choice of short-term credit products.” If you, like one of these many households, are  experiencing the pressure of unexpected bills and have a less than perfect credit report, consider utilizing a no credit check loan.

You deserve to be able to sleep soundly at night.