Alternatives to No Credit Check Loans

Get fast, flexible funding with a NetCredit personal loan or line of credit.

Check Your Eligibility

This won't affect your credit score.

Is NetCredit a good alternative to a no credit check loan?

Your credit will be checked if you choose to apply for a NetCredit personal loan or line of credit. You can, however, check your eligibility and offers without affecting your credit score. If you proceed to accept an offer and sign your contract, a credit check will be conducted to determine final approval. This ability to check your eligibility without affecting your credit - plus the potential to build credit history - makes NetCredit a great alternative to a no credit check loan.

You're more than just a credit score.

Advanced analytics help make lending decisions based on more than just one number. By looking at factors other lenders might not consider, people with less than perfect credit are often eligible for a NetCredit loan.

Checking your eligibility doesn't affect your credit score.

When you complete your fast application, a wide range of data points is considered, including your credit score, to determine whether you're eligible. At this stage, a "soft pull" is made to view your score, which doesn't affect your credit score.

You can build credit history.

When you have a NetCredit online loan or line of credit, your payment history is reported to major credit bureaus. That means full on-time payments may help you build credit history.

What We Offer

NetCredit and lending partner banks offer personal loans up to $10,000 and lines of credit up to $4,500.

Depending on your application and the state where you live, you might qualify for one or both of our lending products. Head to the Rates & Terms for more details and to learn what is offered in your state.

How It Works

Check your eligibility.

See how much you can borrow in minutes with a secure application.

Review your offer.

Choose what you want and see if the available amounts and terms work for you.

Get your money.

If approved, requested funds are typically deposited the next business day or sooner.

Here's how a customer's credit could be affected with a NetCredit loan.

  • Louise is looking for a way to get funds, but she's worried that her credit isn't good enough to get the amount she wants.
  • She comes to NetCredit and sees that she can check her eligibility without affecting her credit score.
  • She completes her application, and her credit history is reviewed through a soft pull, not affecting the score.
  • She is happy with the amount and terms she is offered, so she signs her contract, allowing a hard pull. This hard pull has the potential to affect her score for a time.
  • She gets her money and makes all of her repayments on time. Those on-time payments are reported to major credit bureaus, helping Louise build credit history.


No credit check loans are funds issued by lenders that do not conduct a hard credit inquiry to review a borrower’s credit history. Instead of pulling an applicant's credit report, no credit check lenders look at income, bank information and a range of other criteria. These can come in the form of installment loans, payday loans, lines of credit, personal loans, title loans or a variety of other lending products.

Borrowers typically seek out such loans on a short-term basis to meet a pressing need, frequently from online or storefront lenders.

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.

Many lenders 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.

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. If you apply for a NetCredit personal loan or line of credit, a soft inquiry will be made to check your eligibility. This is one factor used to help generate your personalized offer.

A hard inquiry is a credit check that is recorded on your credit report and can affect your score for up to two years. Several hard inquiries over a short period of time can indicate that you're looking to add more debt, which may make lenders view your application as higher risk. If you’re eligible for a NetCredit loan and proceed to sign your contract, a hard inquiry will be made to determine final approval.

When you check your eligibility, a soft pull is performed, which will not affect your credit score. If you’re eligible then proceed to sign your contract, a hard inquiry will be made, which will be recorded on your credit report. This hard pull can temporarily affect your score, especially if multiple hard pulls are recorded over a short period of time.

As you repay your personal loan or line of credit, your payment activity is reported to major credit bureaus. If you make all your payments on time, this can help you build credit history. On the other hand, missed payments are also reported, which could hurt your credit.

While credit scores vary by credit bureau, the components used to calculate it are generally the same:

  • Payment history: Making on-time payments can build your rating while missed payments can stay on your credit report for over seven years.
  • Credit utilization ratio: Otherwise known as the amount owed, this is the amount of available credit you have compared to how much you are utilizing (how much you’ve spent).
  • Credit length: The length of time you’ve had credit.
  • Credit mix: The variety of credit products open in your name. For example, credit cards, auto loans and installment loans auto loans are considered different types of credit.
  • Credit inquiries: The amount of recent hard inquiries you have on your account. New credit inquiries typically stay on your report for two years.

In order to build your credit, it’s helpful to know how credit scores are calculated since some aspects of a score have a bigger impact on it than others. According to myFICO, for example, payment history is the single biggest factor that affects credit scores. Make sure you continue to pay your bills on time. If you’re struggling to balance your bills, debt consolidation may be a solution for you. The next biggest impact on your credit is your utilization ratio. Continue to pay down debt without using further credit to broaden your ratio. Start your path to better credit by accessing your credit score for free.

Your credit score is a numeric reflection of your financial creditworthiness, allowing potential creditors to gauge the risk of lending funds to applicants. Without a traditional credit inquiry, creditors need to balance that risk through higher fees and/or interest rates, which tend to make the cost of credit higher than the alternatives to no credit check loans.

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Check Your Eligibility

This won't affect your credit score.