Personal Loans With No Credit Check

EarnIn is a paycheck advance app that allows you to access your work pay before payday. You can borrow up to $150 a day ($750 maximum per pay period) through the EarnIn app. On your payday, EarnIn will automatically withdraw your repayment from your bank account.

Unlike many payday advances, EarnIn doesn’t charge interest. Instead, it charges a fee from $3.99 to $5.99 for near-instant access to funds. However, you won’t pay a fee if you can wait one to two business days. You can also include an optional tip of up to $14.

EarnIn is so easy to use that it could get you into trouble. But if you practice self restraint, it might be a good option in a pinch.

To use EarnIn, you must:

• Be at least 18 years old
• Live in the U.S. (including U.S. territories)
• Have a U.S. cell phone number and U.S. bank account
• Have a job and and receive a consistent paycheck on a weekly, biweekly, semimonthly or monthly basis
• Make at least $320 per pay period

EarnIn will also need your work address (as long as it’s fixed), your work email address or a copy of your timesheet.

Empower Financial is more than just a cash advance app. It can also help you set up a personalized budget based on your spending activity.

One of the app’s coolest features is AutoSave. Here, you’ll set a goal to save a certain amount every week or pay period. Then, Empower will withdraw your specified savings amount and set it aside in an FDIC-insured account through nbkc bank.

It costs $8.00 a month to access the Empower app. Unless you plan on taking frequent advances or are interested in retooling your budget, you may have cheaper options.

To sign up for Empower Financial, you must:

• Be at least 18 years old
• Earn a consistent income
• Have a U.S. bank account and valid U.S. cell phone number
• Have a valid Social Security number (if you want to set up an AutoSave account)
• Have a valid U.S. address (if you want to set up an AutoSave account)
• Not live in Connecticut or Maryland

Empower may also ask for a valid government photo ID and proof of address (like a utility bill).

Most buy now, pay later (BNPL) apps offer a Pay in 4 option as well as monthly financing. Typically, BNPL apps require a hard credit pull for monthly financing (Affirm is an example). Klarna, on the other hand, runs a soft credit pull no matter the type of loan you get.

You can use Klarna at online retailers that accept Visa, but not all retailers are inside the Klarna network. If you use a one-time card to pay at a non-partner retailer, Klarna will charge an undisclosed fee. Also, Klarna doesn’t give you a set spending limit. Instead, it evaluates each purchase and decides whether you qualify for financing.

To use Klarna, you must:

• Be at least 18
• Be a resident of the U.S. or a U.S. territory
• Have a valid bank card or bank account
• Have a positive payment history
• Be able to receive texts

Lenders that don’t require a credit check often don’t report your payments to the credit bureaus. That means the loan won’t help you improve your credit so you can qualify for a traditional lender in the future. OppLoans reports to all three credit bureaus (so watch out, late payments can also hurt you).

Still, leave OppLoans (and other high-interest installment loan lenders) as a last resort. They have sky-high rates. Although you may be able to borrow up to $4,000 with OppLoans, check your repayment term. A longer term means more overall interest, but if you choose OppLoans’ shortest term (nine months), your monthly payments might be hard to afford.

You must meet the following eligibility requirements to get a no-credit-check loan from OppLoans:

• Be at least 18
• Have a checking or savings account
• Receive a regular source of income through direct deposit (Social Security and disability income counts)

OppLoans is not available in Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont or West Virginia.

Possible Finance’s no-credit-check loans have a fast funding timeline.

It can take one to two days to get your loan if you opt for direct deposit into your checking account. However, if you have it sent to your debit card, you could have funds within an hour. And if you think you’ll need to borrow more than once, you could consider Possible Finance’s no-credit-check credit card.

But like other personal loans with no credit check, Possible Finance is expensive. It charges fees per every $100 you borrow rather than presenting its rates as an APR. This can make the loan seem cheaper than it is. In some cases, fees equate to APRs as high as 178.00%.

To get a personal loan with no credit check from Possible Finance, you’ll need to:

• Be at least 18
• Have a U.S. phone number and internet access
• Have a Social Security number and valid government-issued ID
• Have a checking account with at least three months of transaction history, recent income deposits and a positive balance

Possible Finance is only available if you live in:

Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah and Washington.

BNPL apps can be helpful when you’re eyeing an expensive retail purchase, but you usually can’t use them to pay bills. That’s not the case with Zip. Many of the U.S.’s top service providers accept Zip as payment, including Verizon, Spectrum, T-Mobile, Allstate, Progressive and Geico.

Figuring out Zip’s fee schedule can be confusing, though. Make sure you understand the cost of borrowing before tapping that payment button.

To use Zip, you must:

• Be at least 18
• Live in the U.S. and have a valid U.S. physical address
• Have a U.S. credit or debit card
• Have a valid cell phone number