Payday Loans in Illinois

Lines of credit
up to


Get Started Now

No Credit Check Loans

Having a poor credit score or no credit can negatively affect your ability to get approved for a loan or a credit card. Nevertheless, there are ways to borrow cash with no credit checks. What is the best option for your circumstances?

Table of Contents:

  1. What are no credit check loans?
  2. Soft credit inquiry vs hard credit pull
  3. Why do lenders check credit?
  4. Who offers no credit check loans?
  5. How do no credit check loans work?
  6. How can I get a no credit check loan?
  7. How to use loans with no credit check
  8. Eligibility criteria 
  9. Types of no credit check loans
  10. How to apply for a no credit check loan online
  11. What are the costs?
  12. Are no credit check loans safe?
  13. Advantages of no credit check loans
  14. Disadvantages of no credit check loans
  15. Where can I find a direct lender near me?
  16. How to shop for no-credit-check loans
  17. How can I boost the chance of approval?
  18. Why apply with us?
  19. Alternative money solutions
  20. How to improve your credit score
  21. Conclusion
  22. FAQs

What are no credit check loans?

No credit check loans are offered by lenders that do not perform a hard credit pull to assess an applicant’s credit history. Instead of checking a borrower’s credit report, such companies pay attention to income, employment, bank information and some other factors. With bad credit or no credit, you can qualify for installment loans, payday loans, lines of credit, personal loans, car title loans or other options.

People usually take such loans for a short period of time in an emergency in order to cover unexpected bills or other expenses, often from online or offline lenders.

No credit check loans can be attractive to those who need a few hunderd dollars quickly. Often they don’t want a credit pull to show up on their credit report, or they might think getting cash this way is their only option.

The key benefit of a no credit check loan is often a speedy and easy line onapplication process with funds transferred either the same day or the next business day (often instantly). The drawback is that they can have limited amounts, short terms, high interest rates and fees.

Soft credit inquiry vs hard credit pull

Many lenders perform a soft credit check (also known as pull or inquiry) before making their lending decisions. A soft credit inquiry is a type of credit check that does not impact a borrower’s credit score. Soft pulls may or may show up on a person’s credit report, depending on the credit reporting agency, and will not be visible to financial institutions.

Unlike a hard credit pull, a soft inquiry can happen without the person’s consent. Correspondingly, credit-scoring systems like FICO do not review soft credit checks when calculating credit scores. If you send a reqiest for a personal loan or line of credit, a soft pull will be performed to assess your eligibility. This is one item used to help generate your individual offer.

A hard check is a credit pull that shows on your credit report and can impact your score for several years. Several hard pulls over a short period of time can make the lender believe that you’re seeking to add more debt, which may make them treat you as a risky borrower. If you qualify for a loan and sign your agreement, a hard pull will be performed to finalize your approval.

Why do lenders check credit?

Credit checks help a lender understand two things. Firstly, it confirms your identity and shows whether you’re able to make payments on time. A financial institution wants to make sure that you’re a solvent and responsible person and checking your credit is an effortless way to be able to make the lending decision. But it’s not the only reason for doing the check.

Below are some common factors a lender will pay special attention are:

  • Presence on the electoral roll (to confirm your home address).
  • Existing debts (to see how much you already owe).
  • Missed payment history (to understand how likely you are repay the debt on time).
  • History of county court judgments, debt relief orders, individual voluntary arrangements or bankruptcy (to assess your overall risk in terms of non- payment).
  • Amount of credit inquiries (to know how often you need extra cash, etc).

The financial institution will then use the above data, along with your current income and expenses to see if it’s worth approving your request. If a company decides that you’ qualify for a loan but not for the size and duration you originally requested, they may offer a smaller amount for a shorter time. But you are not obliged to accept this offer.

Who offers no credit check loans?

There are different lenders that could offer loans for people with bad credit or no credit. And each lender is interested in attracting more customers. So, overall there is a rich selection of companies.

The easiest way to find the right lender is to use our free referral service. Below you will find the 4 steps you need to follow to get a loan with no credit check.

How do no credit check loans work?

When applying with our online matching service, you can expect the following:

Participating lenders may not request a copy of your credit report from the credit reporting agency if you have a history with fnbstaunton.com, however if it’s your first inquiry, they may perform a credit pull. The details will still show up on your credit report.

The lenders are likely to check your banking history and use the recent months statements to assess whether you are eligible or not. This is the easiest way for financial institutions to check your financial situation.

Besides, you need to have a steady income to be eligible for a no credit check loan. That’s because it’s one of the ways to make sure that you can afford to make payments on time.

When dealing with our referral service, you can expect to get small-dollar loans quickly the same day you apply.

How can I get a no credit check loan?

If you want to get a loan without doing a credit assessment, then consider using our online matching service. This is a convenient tool for getting your bad credit history back to fair or even good. Lenders from our network won’t always pay attention to your credit score, but only your current income and expenses.

Our service has been helping custoners for many years. We will match you with the right lender for your unique needs and budget. No lender can 100% guarantee approval, but it’s likely that you will find a perfect provider from our extensive network of credible lenders. If you are searching for a quick loan of between $100 and $1,000, we are the right place to apply.

How to use loans with no credit check

When you need fast cash, an online loan can help you get it. There are so many reasons you might need a no credit check loan in Illinois, including:

  • Medical bills.
  • Childcare.
  • Special events.
  • Travel expenses.
  • Business expenses.
  • Consolidating existing debt.
  • Tuition costs.

Eligibility criteria

Most of our customers have a poor credit score. Or no credit rating at all. Yet we’re still able to refer them to a company who is ready to work with them most of the time. This is because we cooperate with providers who specialize in poor credit borrowing options. Lenders from our network use different factors to assess eligibility in addition to the credit report.

To apply for a loan with us, you need to comply with the following eligibility criteria:

  1. Be at least 18 years old.
  2. Have a source of income (salary and wages, capital gain Income, non-capital asset income, interest and dividend income, retirement income, rent and royalty income).
  3. Have an active bank account in your name.
  4. Be a US resident with a US address and phone number.

To apply today, simply fill out our short application form. You can complete the process in less than 10 minutes.

Types of no credit check loans

Payday loans

A payday loan is a short-term, small-dollar loan, generally for $100-$1,000, that is usually due on your next payday. It’s borrowing you receive based on how much you earn, and lenders recoup the principal plus interest from your next wages/salary/income. Payday loans are easy to access and do not involve a credit check. They are even known as bad credit loans. The money can be used for whatever needs.

Most payday loans come with a two-week repayment term and involve no collateral/guarantors. They are perfect for people with a guaranteed income in need of fast cash. Here are a few tips on how to find the best payday loans.

Personal installment loans

Personal installment loans typically come with lower interest terms and longer repayment terms than payday loans. The borrowed funds are paid back in equal installments over several months, which reduces the monthly payment amount.

These products are more manageable since you don’t have to repay the debt in one lump sum. Personal installment loan lenders often provide a better customer experience than the typical payday lender.

Car title loans

Car title loans typically last 15 or 30 days. The lender uses your car, truck, motorcycle, or other vehicle as collateral. They’re typically for amounts ranging from 25% to 50% of the vehicle’s value.

If you default on your loan, the lender can repossess your vehicle and sell it to recover the costs. Given that your vehicle serves as collateral, your credit score is not important for the lender, which can help people in a difficult financial situation who don’t have good or excellent credit scores.

Loans with a co-signer

If you do not qualify a loan on your own, you can ask a reliable friend or family member to be your co-signer. If you have a close person with good or exceptional credit, this boosts your odds of getting approved with a lower interest rate.

But you need to be sure that can afford to repay thedebt on time so that you may improve your credit and do not leave your co-signer liable for debt repayment.

Line of credit

A line of crediis a type of loan that lets you borrow money up to a pre-set limit. It gives you ongoing access to funds that you can use and re-use as needed. The main advantage of the personal line of credit is its flexibility; funds can be drawn and paid off repeatedly. These products are most often used to cover the gaps in unstable monthly income or finance a project whose cost cannot be predicted in advance. You will only pay interest on the money you use and in some cases, a line of credit can be more affordable than a loan!

How to apply for a no credit check loan online

When you apply online, the entire process is very easy and fast. You just need to follow these 4 steps:

  1. Consider how much you need. Review all available options suitable for your credit score. Calculate how much money you really need. Do not request too much.
  2. Compare your loan options. Shop for the top lenders in Illinois. Weigh up the pros and cons of each option. Select the one that suits you most.
  3. Fill out your application. Go to the lender’s website and complete the application online.
  4. Get the funds. if approved, your money will be transferred to your bank account as soon as the same day or the next day.

What are the costs?

Interests rate vary depending on the lender you select. However, all lenders usually charge $10-$30 for every $100 borrowed. Also, you pay an origination fee . We does not charge any interest for using our referral service.

If you are unable to make payments as agreed with the lender, it is important that you contact the provider in order to extend the repayment term. You may need to pay a $20 fee for the extension. If you miss payments, you will be charged a $30 late payment penalty. As such, you should also sign the agreement only if you can afford the payment, otherwise, your loan can become very expensive.

Are no credit check loans safe?

Well, there are a variety of credit options available on the market. In particular, these are payday loans or a personal loans. These products are offered by both reliable and legitimate lenders and also dishonest ones. This is why it is important to shop around and compare your options, especially when you need a substantial amount.

However, by using our referral service, you do not have to worry about scammers. We will do our best to help you find a safe and credible lender in Illinois. Even though many participating companies do a credit check, we can be able to find a provider that are willing to work with bad credit.

Advantages of no credit check loans

Most borrowers highlight the following benefits of this product;

  • Lenders won’t check your credit score.
  • The entire process is fast and straightforward.
  • High approval rates.
  • Approval decisions are made in a very short time.
  • Best for those in need of fast cash.
  • Borrower requirement are relaxed.

Disadvantages of no credit check loans

Your credit score is one of the most important factors lenders use to determine your creditworthiness, allowing potential lenders to minimize the risk of lending money to unreliable people. Without a traditional credit pull, lenders need to reduce that risk through higher interest rates and fees, which tend to make the debt quite expensive than other alternatives.

Where can I find a direct lender near me?

We work with a a wide range of licensed lenders who can offer online loans without credit checks in Illinois near you.

If you think that you have been previously declined for a loan due to your low credit score, we are here to help you. Having an extensive network of credible providers, we accept applicants with all credit scores – so that you can still borrow the money that you need.

You should not give up just because you have been rejected in the past. There are many different companies out there in Illinois who are actively searching to lend money to customers with bad credit scores.

To minimize this risk, the lender may just lower the amount that you’d like to borrow, ask for proof of income or collateral.

How to shop for no credit check loans

If a no credit check loan is the right optio for your situation, you should follow a few tips to avoid lending fraud.

  • Check the APR. Lenders must disclose the loan’s APR. This factor helps you assess the product’s affordability and compare it with other options. Make sure the APR is competitive before signing the contract.
  • Find a provider that checks other factors than just your credit score. Many lenders do not focus on your credit score but pay attention to other factors, such your current income, type of employment, and debt-to-income ratio.
  • Make sure you understand the repayment terms. Find out the due date and how the lender will collect the funds. If the company debits your bank account, make sure you have the money on the due date. This will help you avoid late payment penalties.
  • Check the lender’s license. All lenders must be registered in all states where they operate, as required by the Federal Trade Commission. Many lenders list their licenses on their sites.
  • Avoid scammers. A credible lender won’t ask you to pay them before you get the funds. If the company asks for a gift card or cash before they give you money, it’s probably a scam.

How can I boost the chance of approval?

To boost your odds of being approved for a no credit loan, you should have a permanent income and provide proof of it. This ensures the company that you will be able to return the money on time.

Besides, try to avoid getting too many loans or credit cards, this will make you seem less risky – otherwise it will look suspicious.

Calculate the amount that you really need to borrow. If you need $500, this should be rational based on your income. But if you have no job and have existing debt, asking for $10,000 may not be logical.

Moreover, you can do anything to boost your credit score. This will help you get the funds you need. Try to close down any store cards, credit cards or accounts that you no longer need. Consider repaying any debts that you can, at least gradually. Finally, do not forget to check your credit score regularly using free trials and tools, just to see that your score is always good.

Why apply with us?

We are not a direct lender, and we don’t charge anything for our online referral service, so we can’t tell you n advance how much the loan will cost. Instead, we match potencial borrowers with reliable lenders who are willing to work with any credit.

We will help you find the best deals, so you can compare rates, terms, fees, and repayment options with no need to go anywhere. If you apply with us, you are not obligated to accept the offer. Take your time before making a final decision.

  • Extensive network with 100+ licensed lenders.
  • High approval rates.
  • No minimum credit score requirement.
  • Super convenient website.
  • Multiple loan options, such as installment loans and payday loans.
  • The online application procedure is speedy and simple.
  • Bad credit is OK.
  • Guaranteed approval on the very same day.

Alternative money solutions

Below are several alternatives to no credit check loans even if you have poor credit.

  • Salary advance.
  • Credit unions.
  • Loan from the Social Fund.
  • Borrow from family and friends.
  • Federal assistance.

How to improve your credit score

As we have already mentioned, your credit score whether or not you have a history of financial stability and responsible credit management. As such, having good borrowing habits will boost your credit score. Here are some smart moves to increase your credit:

  • Reduce credit card limits.
  • Minimize your credit applications.
  • Consolidate multiple credit card products.
  • Make loan repayments on time.
  • Pay rent and other expenses on time.
  • Pay the credit card off in full.


If you are sure that you can repay the debt on time, you can successfully apply with our referral service. Our network of lenders can lend up to $1,000 or even more within a few minutes of arpproving your request, so it is perfect if you need extra cash in an emergency.

Applying to borrow money through our online matching service is an easy and fast way of covering any unforeseen bills and costs. But while a no credit check is the right option for many consumers with bad credit, it doesn’t mean it’s most suitable for you. Before borrowing cash, you should evaluate whether you have the income to repay your debt, including interest. You should also take into consideration any factors that could negatively impact your ability to make payments on time, such as illness or problems with job. If you feel borrowing money could be the wrong move, try to find an alternative, such as borrowing from a close person, finding a side job, or using your savings.


What is a credit score?

Your credit score is a number from 300 to 850 that rates a person’s creditworthiness. This number is calculated using your financial history and past behaviour. It is typically used to determine how likely a lender thinks you will be to repay the funds that they lend to you, and helps them make a lending decision. Your credit score can impact your ability to borrow cash in the form of loans, credit cards and mortgages.

Where can I look at my credit score and report?

There are three main credit bureaus in the USA, who allow you to check your credit score. These are TransUnion, Equifax and Experian. They compile information about you and will supply this to a financia institution when you apply for credit. They collect their data using the electoral roll, court records, and information from other lenders you’ve applied for credit with.

How will I know if I am approved?

Once approved, you will receive an email or text notification confirming that your request is approved. These messages should arrive quickly (within a few hours or even minutes).

How will I get the money?

No credit report check loans from online lenders are deposited quickly into your bank account, often the same business day you apply. Therefore, it is a necessaity that you have a valid bank account in your name.

What causes a bad credit score?

Your credit score are reflections of your borrowing history. Consequently, a low credit score means bad borrowing habits. To say more specifically, beloe are the reasons your credit score could go down:

  • non-repaid loans.
  • missed payments.
  • bankruptcy.
  • debt agreements.

Will it be quicker than a bank loan?

Loans without credit report checks are much faster than bank loans and credit union loans. Banks require much documents that can make the lending process too long and impact your credit score.

Consumers choose to borrow cash without any credit pulls using our online referral service because of its fast and straightforward process. In just a few minutes, you can have the funds in your bank account.

Can I get a loan with a soft credit check?

Yes. Most lenders consider bad credit to be under 580. For this reason, getting a poor credit loan can be challenging. Fortunately there are other options to getting fast cash with bad credit without having your credit history checked, popularly known as no credit report check loans.

Can I get a loan if I don’t have a job?

Having a stable income is a major indicator of your ability to pay back the debt. So it is a key requirement for you to be employed to be eligible.

How much money can I borrow with bad credit?

You can typically get up to $500 with an online payday advance. In the state of Illinois, you can get same-day cash up to $1000 due to local laws. With a title loan, the amount you can qualify for depends on the cost of your vehicle.

How do I repay a loan?

When you borrow cash, you are required to repay it according to the repayment schedule specified in your agreement. The schedule is agreed directly with your provider before you sign the agreement, so you will have the chance to know how much you will need to pay back in total and how much each you will need to pay every month. Lenders typically allow customers to pay back a debt early, which will save your money.

What happens if you are unable to pay back your loan?

Defaulting on a loan means that you have failed to comply with the terms given in the loan agreement. If you do not make payments on time, you will be charged late fees or penalties. Moreover, your credit score will go down.

Is it free to submit a loan enquiry?

Yes, it is free to apply with our matching service so we will not charge anything for submitting your request and will not take any funds from your account. The only fees you will have to pay are the interest charged by your lender and this will be specified in your agreement.