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Are you struggling to find loan options due to a challenged credit history? At, we specialize in helping customers find loan opportunities no matter what situation they might be currently facing. This includes offers that will not have a credit history check as a part of their qualification process, so you can rest assured that you can find immediately workable solutions here.

What makes unique, is that we are dealing directly through partnerships with a variety of direct lenders and loan providers. We act as a broker, connecting our customers to the best providers of these financial services. We will look at a variety of different deals to help you find the terms that fit your needs the best, allowing you to connect to the offers that match your situation.

A challenged credit history is not an automatic disqualifier – we can help you find no credit check loans that will give you workable short-term answers for a variety of financial issues.

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What Causes Poor Credit

It is actually pretty easy to damage your credit report. Missing a payment or two can reflect quickly on your FICO score and can have deeper reverberations than you might think about initially. Common issues that could hinder, or possibly damage your credit report include (but aren’t limited to):

  • Missing payments for utilities or credit cards – even a single late or missed payment can have adverse effects on your credit score. Make sure all payments are on time or early.
  • Paying less than the minimum on any existing bill or obligation – don’t pay less than the minimum amounts on bills or obligations.
  • Applying for too many credit cards – too many credit cards will illustrate your inability to control spending, so limit them to only a few. Applying for more is not the benefit it may seem to be.
  • Closing old, established high credit limit accounts – having an account with a high credit limit that you are not using, improves your credit profile because you have accessible, untapped resources. If you close this account due to lack of use, you might hurt your over credit profile.
  • Having an imbalanced debt-to-income (DTI) ratio – it is important to show that your income can cover your current debt and financial obligations. When DTI is imbalanced, your credit score will suffer.

You can see that having an issue in your credit history is an easy thing to do…and the implications may be far reaching and more serious than they appear on the surface. A no credit check loan can help you get through immediate challenges but rebuilding a damaged credit report is not impossible either – it just takes time and effort.

When Do Lenders Check My Credit Score?

Lenders will typically check your credit score whenever you are applying for a loan. However, some don’t (depending on the loan type or provider) and understanding this can help you better navigate times of struggle.

Loans for lesser amounts might need only a “soft pull” on your credit, which will not affect your credit score. A “hard pull” is a deeper look at everything in your borrowing history, usually performed when you are qualifying for larger and more traditional loans, and it will impact your credit score. So you do not want to simply apply for all kinds of loans because that act in itself could negatively impact your credit score, regardless of you receiving anything.

When you apply for a loan at we perform only a soft pull on your credit to help determine your options. Our application process will not negatively impact your credit score.

Our lending partners might perform a hard pull on your credit once you are qualifying to accept a loan offer, but it will depend on the specifics of your offer and situation with that lender – we, at do not perform that check on their behalf.

We are trying to help all customers find the financial offers that meet and exceed their needs, no matter what kind of situation they are facing. Providing access to loans that require no credit check, or hard pull on a credit report, helps many people get through a challenging financial time.

Why We're Simply Better Than The Rest

Why Use Us?
How much can I borrow?
Up to $1,500.
No hidden charges.
Will I be approved?
95% approval rate.
Highest around.
Do you cater for bad credit?
All considered.
Do you offer instant transfers?
Within the hour!
Straight to bank!
Can I pay back over time?
Flexible terms.
Quick and easy.

How to Fix a Damaged Credit Report

In addition to finding short term solutions for no credit check loans, you can (and should) also be actively working to fix and improve your credit reports. In the same manner it is easy to damage them, you can be building back strong credit reports with some simple, deliberate steps forward.

  • Check your credit score often – You can get your credit score regularly to stay on top of what a lender sees. Experian, Equifax, and TransUnion are the credit bureaus who provide free reports, but you can also get them online or from banks and other institutions. Know your numbers!
  • Dispute errors – Seeing your credit report often may show you issues that can be resolved with an inquiry. If something is off in your credit report, immediately rectify all outstanding issues.
  • Pay bills on time – don’t miss any bill payments.
  • Manage your DTI – Keep your debt-to-income level reasonable by managing credit card spending, asking for raises periodically, looking at consolidating debts, and not taking out too many credit cards or loans. Handle debt responsibly.
  • Manage your credit – You will want to leave open some older, established credit lines and not open too many new ones. Target about 30% of your credit utilization, so you are using only 30% of the credit that you have secured – lenders and credit bureaus will see this favorably.

Get Help Today

While fixing your credit score is always going to be a smart move, you should understand clearly that it will take time. Many people are facing situations where they don’t have the time to wait, and wants to help you get the financial help you need, when you need it most.

We have one simple application that you can complete online in minutes – no paperwork nightmares.

A damaged credit history is not an automatic disqualifier – we can help many or even most people.

We connect you to offers in minutes, so you could have money in-hand today – no waiting or delays.

All you have to do is complete our simple online form.

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