Get a Fast and Easy Loan of up to $10,000.

Checking eligibility will not affect your credit score.

Check Your Eligibility

This won’t affect your credit score!

No Credit Check Loans

What Are No Credit Check Loans?

As the name would suggest, no credit check loans are funds that are issued by a lender without considering a borrower’s credit history. Borrowers typically seek out such loans on a short-term basis to meet a pressing need.

The notion of a no credit check loan can be alluring to those who need a bit of quick cash. Perhaps they don’t want a credit inquiry to appear on their credit history, or they might think obtaining loans with no credit check is their only option.

The benefit of a no credit check loan to the consumer is often a fast and simple application process with funds made available either the same day or the next. The downside is that they can be costly to obtain, with fees and interest rates that add up quickly if the loan isn’t paid back on time.

The qualification process is usually simple. A borrower fills out an application either in person or online, providing their bank account and paycheck information. The lender is given access to the borrower’s bank account so that payments can be withdrawn.

What Is a Soft Credit Inquiry?

Many loan companies perform a soft credit inquiry before making their approval decisions. A soft credit inquiry (also called a soft credit pull or soft credit check) is a type of credit inquiry that does not affect a person’s credit score. Soft inquiries may or may not be recorded in a person’s credit report, depending on the credit bureau, and will not be visible to lenders.

Soft credit inquiries are in contrast to hard inquiries, which do affect credit scores. The reason that a hard inquiry will affect a credit score is because it is often an indication that the borrower is about to get new credit or a loan — and possibly add more debt.

Unlike a hard inquiry, a soft pull can happen without the borrower’s consent, as in the case of “preapproved” credit card and loan offers. As a result, credit-scoring systems like FICO do not take soft credit inquiries into consideration when calculating credit scores.

What Kind of Loan Alternatives Does NetCredit Offer?

While setting funds aside for a rainy day or creating a minor emergency fund is typically a better option than borrowing money, you might need money in a hurry to meet a pressing demand.

With NetCredit you can apply for a flexible personal loan of up to $10,000 depending on your state of residence and your eligibility.

Build Positive Credit History With My CreditBuilder

At NetCredit, we understand that you are more than your credit score. That’s why we offer a personalized experience for each and every customer — your eligibility is determined by looking at your broader financial picture — not just your credit score. We also understand that protecting or improving your credit score is important to you, so that you can move upward and onward in life. With My CreditBuilder, you may build positive credit history by making timely repayments.

Here’s how it works:

As soon as you make a payment, it’s noted in our system.

Then, your payment history is reported to two major credit bureaus, TransUnion and Experian.

The credit bureau factors this payment and any subsequent payments into your credit report and your overall credit score.

As you continue to make on-time payments, you will accumulate positive indicators in your credit history.

(Note that late or missed payments could reflect negatively on your credit report.)

NetCredit is rated 7 out of 10 based on 208 reviews on Trustpilot

Check Your Eligibility

This won’t affect your credit score!