Best No Credit Check Loans Of 2022: Hard Money Lenders For Quick Loans & Loans For Bad Credit

Getting a loan from a bank while having a low credit score is almost impossible.

As such, your best bet is a reliable online loan agency that can help provide you with the required money without much fuss. So, to help you, we have reviewed the top six agencies that promise to process loan applications in minutes without requiring users to undergo a stringent credit check. Find the best no credit check loans of 2022 here.

So, without any further delay, let’s get started.

Top 6 Money Lenders For Quick Loans In 2022

  1. BadCreditLoans – Overall Best No Credit Check Loans, Top Pick
  2. MoneyMutual – Money Lenders For Top Rated Installment Loans
  3. RadCred – Best Intermediary For No Credit Check Loans Guaranteed Approval
  4. FundsJoy – Most Trusted Lending Club Available Online
  5. CashUSA – Ideal For Instant Cash Loans & Speedy Cash

#1. BadCreditLoansOverall Best No Credit Check Loans, Top Pick


Brand Overview

Next up on our list is BadCreditLoans, which boasts a vast network to help you select a deal that works best for you. It is one of the most reliable online platforms in the industry as it has been in the business for over 50 years now.

Additionally, you can borrow amounts between $500 and $5,000 on this platform, with an APR ranging between 5.99% and 35.99%. However, the USP of this company is that it lets borrowers submit loan requests even if they have judgments, repossessions, and bankruptcies on their records. The sign-up is pretty simple and involves only three steps.

Also, we must highlight that the website is free to use, which means you don’t have to pay a single cent for using the services offered on the platform. However, note that the company might show you ads for credit monitoring, credit repair, and relief from time to time to help keep its services free of cost.

Talking about security and privacy, you will be pleased to know that BadCreditLoans safeguards your data with state-of-the-art encryption technology. Apart from that, they are available 24/7 to answer your queries and resolve any issues you might face. Naturally, it is one of the best no-credit-check loans agencies available right now.


  • Top-notch customer service quality
  • Informative And Transparent Website
  • No collateral required
  • A ton of lenders to choose from
  • Free-to-use website
  • Ideal for people with less than perfect credit score
  • Easy to use


  • Requires users to provide a lot of personal information


A. Transparent And Informative Website

The website is brimming with detailed information about its features and plenty of credit-related advice. Upon reading, you will find everything you need to know about the key features of this lending agency and the steps to complete its online form.

On top of that, you will find several articles about scams to help you stay alert and informed. There is also a dedicated “How It Works” section explaining how the company processes your loan request, which we recommend checking out.

B. 100% Free Service

All services offered by BadCreditLoans are absolutely free of cost. To help keep its service running and free, the company shows you ads related to credit-related services from time to time, such as credit monitoring, credit repair, debt relief, etc. We suggest that you take a look at the “Ad Disclosure” section on the website to learn more about it.

C. Simple Online Form

As it is with most modern online lending agencies, BadCreditLoans doesn’t require you to deal with a lot of paperwork to submit your loan request. You just need to fill out the simple online form to be eligible for a loan offer in minutes.

D. Quality Of Customer Service And Privacy

The company has successfully developed a wide customer base across the US through its dedication to helping users at every step of their experience on its online platform. Indeed, it delivers effective and prompt customer support to any user who might need it through email and telephone. And did we mention that its customer support executives are available 24/7?

Another thing that we must highlight in this regard is the security and privacy of the platform. You will be pleased to know that the company goes the extra mile to ensure all your personal information is protected through its state-of-the-art encryption technology.

E. Provides Users Access To Extended Lender Network

In the rare circumstance where the company is not able to get you a lender in its network, it will submit your loan request to its extended network. This ensures that you get connected to a third-party lender and have your loan request processed as soon as possible.

That said, it’s worth noting that the company itself is not a lender and does not control or promote the lenders on its network or extended network.

#2. MoneyMutual – Money Lenders For Top Rated Installment Loans


Brand Overview

When it comes to reliable online lending platforms, MoneyMutual is one of the best in the business and boasts over 2,000,000 customers. Unlike banks and financial institutions, it doesn’t require you to undergo a credit check to approve your loans. And the best part? There is no paperwork involved — everything is online.

The company was founded in 2010, and since then, it has been connecting borrowers with potential lenders seamlessly in order to help users find solutions to their financial challenges.

You just need to fill out a secure and simple form to connect with a lender. Once your loan gets approved, MoneyMutual ensures that the loan is transferred to your bank account the next day.

Additionally, it is worth noting that you need to be at least 18 years old, have an active checking account, and have a minimum monthly income of $800. You also must be able to provide all the required documents, proving that you are employed. However, it’s worth noting that the requirements can differ from one lender to another.

Usually, borrowers can avail of anywhere between $200 and $5,000, but the maximum amount one can borrow depends on their individual qualifications. Overall, MoneyMutual is an ideal platform to connect with lenders that provide bad credit loans, installment loans, and payday loans.


  • Reliable short-term loan lending platform in the US
  • Extensive lending network
  • Easy, fast, and short application period
  • Free access to the website
  • Features plenty of educational resources
  • Secure and safe process


  • Not available in New York and Connecticut


A. Free-To-Use Website

One of the key highlights of MoneyMutual is that its website is free-to-use. Thus, it means that you don’t have to pay any money for filling out a form or submitting your details through this online platform.

When a lender decides to connect with you, they pay the money to the company to allow them to work with you. Therefore, you can rest assured that you don’t have to spend a single dollar while applying for a loan.

B. Easy And Fast Process

Talking about the process, filling out the form takes about five minutes. Once you have filled it out and submitted the required documents, you should expect to hear from a lender within a few minutes with a loan offer.

As soon as you accept the loan, the money gets transferred to your bank account in about 24 hours. However, note that if you accept the loan offer on a holiday or a weekend, it might take longer for the money to get deposited.

C. Trusted By Millions

MoneyMutual has been used by over 2,000,000 users, which speaks volumes about the reliability of the website. Additionally, it has one of the highest ratings on review sites.

The company is a part of OLA (Online Lenders Alliance), a trade association consisting of several top trustworthy lending organizations that follow stringent laws. Hence, no more worrying about scams and frauds; you are protected and promised legitimacy that you most likely won’t receive from other ordinary lending platforms.

Furthermore, the MoneyMutual official website features a few customer testimonials that can help you form a better idea about the kind of service that you can expect from the company.

D. Minimal Credit Checks

The lenders don’t require you to undergo a long credit check while disbursing loans on this platform. You just need to be above 18 years of age, a permanent resident of the US, have a monthly income of $800, and have an active checking account. Thus, it makes it incredibly easy for users to borrow money to tackle their financial challenges.

#3. RadCred – Best Intermediary For No Credit Check Loans Guaranteed Approval


RadCred is a personal loan brand specializing in offering quick financing approval for borrowers with a bad credit score. Furthermore, lenders at RadCred not only give you fast cash but also provide you with a loan of up to $40,000. The repayment period is between three months and seventy-two months. This brand has over two years of expertise, and it’s well versed in what works most well for its clients.

Since this platform is free to use, nothing will stop you from checking if you qualify to get a loan. Moreover, the loan application procedure is fast and easy, and very little personal information is needed. You can just fill in an online form, and the lenders will verify your details and send offers. Once you agree to their terms and conditions, they will transfer your money to your account within one business day.

Loans at RadCred come in various forms, including peer-to-peer that links you with individuals who offer the loan. These loans have an APR ranging from 5.99% to 35.99%. Furthermore, this company provides a variety of valuable tools. They will guide you on how you will handle money and help you make better financial decisions.

With RadCred, you can use the loan sum for whatever you need, with no monitoring. Their website is encrypted with standard security measures; thus, all your details will be safe. Due to higher online privacy standards, this platform has earned the TRUSTe seal. If you need to share your lender’s experience with the brand, you can reach them through a request form, email, or a phone call. Moreover, at RadCred, you can get four kinds of loans. These include auto loans, personal loans, bad credit loans, and student loans.


  • Radcred utilizes SSL encryption to protect all your information
  • The platform has advertisements where you can connect to third parties to get a lender
  • Have 24/7 customers support for a smooth experience
  • Multipurpose loan available
  • The platform utilizes two networks to access every borrower


  • Offers bad credit loans with assured approvals
  • Safe site
  • Have years of experience
  • Provides educational resources
  • Loan up to $40,000 available
  • Quick funds transfer
  • 24/7 customer service
  • Straightforward application process
  • Excellent review
  • Best for student loans


  • Annual percentage rates can be high when borrowing large loan amounts

Customer Experience

Most customers are glad about the convenient and quick application process. Moreover, lenders on this platform respond fast. Other customers are happy because the platform has different loans, including student loans. Some reviews from TrustPilot state that this online platform has reliable lenders who offer reasonable interest rates, and their service is safe for use.

#4. FundsJoyMost Trusted Lending Club Available Online


Brand Overview

Next, let us introduce Funds Joy, which is another trustworthy online lending platform that can help promote your financial recovery. With an unmatched loan process speed and minimal requirements, this company enables you to go through hard times without burdening you.

The platform connects users to trustworthy lenders that can provide them with funds ranging between $200 and $5,000, as per the requirements. And just like our previous pick, this one doesn’t require any paperwork but an online form, which takes around 10 minutes to fill. So, be assured that you will be able to submit the loan request even before finishing your coffee.

Moving on, the UI of FundsJoy website deserves mention as it makes it easy to navigate and understand the process better. To submit the loan request, all you need to do is click on the “Get Started” button in the top right-hand corner, and you are good to go.

Furthermore, the website is 256-bit SSL secured, meaning all the data shared between the borrower and the lender stays protected. This mitigates the chances of cyber theft, which is a common concern in the industry.


  • Website is 256-bit SSL secured
  • No charges for filling out the online application form
  • Can provide loans up to $5,000
  • Website is easy to navigate
  • Doesn’t require you to go through a credit check
  • Transparent policies


  • Approval is not guaranteed


A. Straightforward And Fast Process

There’s no paperwork; the entire process is online, as we already mentioned previously. You just have to fill in your details and click on the “Get Started” option. Once done, check the offers and choose the one that works best for you. Next, you need to e-sign the deal to have the lender swiftly transfer the money to your bank account.

B. No Hidden Charges

Perhaps, the best thing about this online lending agency is that it offers straightforward and free services without imposing any hidden charges. So, it means you don’t have to pay extra for availing the services of FundsJoy, which in our opinion, is truly exceptional.

C. Minimal Requirements

FundsJoy doesn’t require you to have a perfect credit score to be eligible for submitting a loan request. Fortunately, its list of requirements is rather short.

You just need to be a legal resident of the United States, 18 years of age or above, and have a stable and legal source of income. If you can fulfill just these three requirements, you will most likely be eligible for a short-term loan.

D. Allows You To Refuse A Deal

If you get a deal that doesn’t fulfill your requirements, simply refuse to proceed with it. Yes, you read that right; there is no obligation to agree to a particular deal if you don’t want to. Rest assured, there will be no penalties or fines charged. Now, isn’t that great?

E. Safe And Secure Website

Since FundsJoy is a renowned lending agency, it is pretty serious about its goodwill. As such, it has implemented several safety measures, in line with US law, to keep its users’ personal details safe and secure on its website. So, you don’t have to worry about your data being stolen, as only authorized personnel can retrieve it for business uses.

#5. CashUSAIdeal For Instant Cash Loans & Speedy Cash


Brand Overview

Now, let’s talk about CashUSA, a well-established and reliable source for cash loans in the US. It’s not a lender itself but a third-party lending agency that connects borrowers to lenders that can offer them the best deals for their credit scores.

You may be wondering what makes it stand out from the other lending agencies? Well, to begin with, it offers a fast, convenient and secure service that you need to find the ideal no credit-check-loan for yourself.

As for the site, while it’s not the fanciest of the lot, it is informative, easy to navigate, and straightforward. On top of that, it utilizes industry-standard security and encryption measures to ensure all the users’ personal information stays protected.

We also liked that CashUSA showcases a detailed explanation of the Annual Percentage Rate (APR) charged on personal loans from the lenders in its network. Safe to say, the company doesn’t leave any stones unturned to ensure that its users are fully informed about the various facets of the process.

Speaking of the process, it’s fast and pretty simple. First, you need to fill out the secure form. If you get connected to a lender, examine the offer. And if you feel like it works for you, accept it and enter some extra information for the lender’s reference. Rest assured, you will receive the money in your bank account within 24 hours if finalized.


  • All credit scores are welcome
  • Users can borrow up to $10,000
  • Website boasts industry-standard encryption
  • Simple and fast application process
  • Reliable company
  • Services available in all states
  • Has a wide variety of lenders in its network
  • Website is free to use
  • Responsive customer support


  • Loan is not guaranteed


A. Minimal Requirements

To get loans on this platform, you don’t need to have a spectacular credit score or provide collateral; the requirements are minimal. On that note, borrowers must have an active bank account and a monthly income of at least $1,000. Moreover, they need to be a legal resident of the US and at least 18 years or above.

It’s worth noting that although a good credit score is not mandatory, it does help make things a lot easier. Also, keep in mind that the higher the credit score, the lower the APR interest rate because statistically, you are at a lower risk of defaults.

B. Educational Resources

The official website of CashUSA has a ton of educational resources to help its users stay informed and updated about loan-related policies at all times. For instance, you can easily check out all the crucial information about banking, debt, finances, and credit to make informed decisions by clicking on the “Education Center” tab.

Safe to say, the company does a lot more than connect you with the lenders in its network.

C. Simple And Fast

Isn’t it frustrating to wait for days and even weeks to submit and get a loan request approved?

With CashUSA, you can submit your loan request through a quick online process. Upon approval, be assured that you will receive the money within 24 hours. Additionally, we would strongly recommend that you keep your personal and banking account information handy in order to finish the process even faster.

D. Security

CashUSA takes your security and privacy quite seriously, which is why it utilizes industry-standard encryption to safeguard your personal data and mitigate the chances of cyber theft. Still not convinced? Then we would urge you to visit the “Privacy Policy” section on the website to find out how the company uses and protects your personal information.

E. Large Customer Base

The credibility of lending agencies is often determined by their following and user base. This one has been in business since 1997 and has managed to build a large customer base through its customer service quality.

#6. PersonalLoans – Most Trusted By Personal Loans For Bad Credit

Brand Overview

Like the other loan agencies on our list, PersonalLoans offer a convenient and easy way for its users to get a personal loan through the lenders in its network. Here, you can borrow up to a whopping $35,000 right from your home for any reason, be it a medical expense, bad credit, or a home improvement project.

Since the company is a bridge connecting borrowers and lenders and not a lender itself, it gives you the opportunity to review your options and then choose accordingly. Also, it’s worth mentioning that the company doesn’t charge a single dollar for its services, which is truly commendable, if you ask us.

PersonalLoans has a fairly simple process for submitting a loan request. As soon as you fill out the online form, the company will present relevant information about the wide variety of lenders in its network to get you loan offers instantly.

Following this, you can accept a loan offer and have the funds transferred directly to your bank account within the next business day. Note that the APR on this platform generally varies between 5.99% and 35.99%, depending on the lender and your credit history.

Apart from this, what we liked the most about PersonalLoans is that it allows customers with less than perfect credit scores to secure loans. However, they need to be 18 years of age or above, have a monthly income of over $2,000, and have an active bank account.


  • Allows users to borrow up to $35,000
  • Easy and fast approval
  • Free to use
  • Perfect for short-term personal loans
  • Has an informative website
  • Utilizes encryption technology to protect data


  • Requires users to have a relatively higher monthly income


A. User-Friendly And Informative Website

What caught our eye about the website was its user-friendly interface, allowing users to navigate from one section to another seamlessly.

Beyond that, it contains crucial information about different types of loans that could help you make smart decisions. For instance, it features a “Loan Guides” section, which explains different types of loans and how they work.

Furthermore, upon visiting the website, you will find a dedicated FAQ section comprising answers to help you clear any doubts about the company. But if you don’t get a satisfactory answer there, you can reach customer support to acquire more information.

B. Secure Platform

To reduce the chances of cyber theft, the company uses advanced data encryption technology. Thus, it offers you much-need peace of mind while submitting a loan request.

C. Fast Funding

The online form provided on the website is easy to complete and can also present you with various loan offers in just a matter of minutes. If finalized, you can get the money in your bank account within the next 24 hours. In other words, this platform can be a life-saver in emergencies.

D. Free-To-Use Website

PersonalLoans offers all its services free of cost. With it, you can submit your loan request and review the loan offers with no obligations. That said, keep in mind that if you accept a loan deal from a lender, they might charge you an origination fee or several other fees, which PersonalLoans can’t control.

Don’t worry; the lenders will disclose all fees to you before you e-sign a loan offer. So, make sure you go through the terms and conditions mentioned in the loan agreement before signing.

E. Customer Rating

PersonalLoans has a high rating on trusted review sites, which clearly shows that users rely on this platform for getting loans in times of crisis. Moreover, many reviewers have praised the company for its fast approval time.

#6. CreditLoan – Offers The Best Interest Rates

Brand Overview

Founded in 1998, CreditLoan is one of the leading and first consumer-driven finance platforms. Initially, it was an educational website but later started providing loans to people to help fulfill their financial needs, regardless of their credit scores.

The USP of this now-online lending platform is the massive variety of lenders in its network, allowing users to request amounts up to a whopping $40,000 with it. It’s worth noting that you would most likely have to undergo a hard credit inquiry to borrow such a huge amount.

However, you can request sums ranging between $250 and $5000 for personal loans with a bad credit score. If your request is approved and finalized, the lender will try their best to credit the amount to your bank account within 24 hours. Needless to say, the funding and approval time of this company makes it a go-to choice for many users that require money urgently.

As far as the procedure for submitting a loan request is concerned, you need to fill in the application form with your details. Upon entering the sum, the portal will connect you to lenders ready to offer you a loan as per the information. You may compare the loan offers and choose the one that works best for you.

Apart from that, we must mention that the lenders on CreditLoan are known for offering competitive interest rates, so make sure you grab the best loan offer. But don’t consider only the interest rate as there are other terms and conditions that you need to go through before you settle on a deal.


  • Credits the loan amount within 24 hours
  • No additional fees for using the website
  • Competitive interest rates
  • Safe and secure website
  • Visually appealing user interface
  • No credit checks for smaller amounts


  • Not available for New York and Connecticut residents


A. Personal Loan Calculator

One of the key features of CreditLoan that deserve mention is the loan calculator, which can help you compare the interest rates and evaluate the monthly payments. All you need to do is enter the interest rate, the term, and the loan amount to get the estimated installment.

However, keep in mind that the company does not guarantee the accuracy of the results obtained from the loan calculator.

B. Security

CreditLoan values the security of your personal information. Whenever you enter your details on the website, it encrypts the information using SSL technology. Additionally, the company follows the accepted industry standards to ensure that the personal information that is submitted on its website is protected.

To know more about its security on its website, we recommend dropping a mail on the official email address.

C. Minimal Requirements

You will most likely be required to undergo a lengthy credit check for borrowing large amounts. But for borrowing small amounts (between $250 and $5,000), the requirements from the borrower are as follows:

  • Should be 18 years or above
  • Should not be a resident of Connecticut or New York
  • Needs to have an active checking account
  • Must have a stable monthly income
  • Must not have an ongoing bankruptcy case

D. Fast Funding

Once a user approves the terms and conditions of a loan offer, the lender ensures that they transfer the money within the next business day. So, if you require money urgently, be assured that you will be receiving the loan amount within 24 hours of accepting the loan offer.

How We Made This List Of Best Mortgage Lenders

With a ton of options and factors to consider, curating the six best no-credit-check loan companies seemed like a daunting task. Nevertheless, we were able to make this list after putting in the required effort and extensive research on the online lending industry.

First, we compiled a list of the most popular loan lending companies after going through different discussion forums, blogs, and other similar mediums. Here, we only picked companies that were entirely transparent about their privacy policies, funding speed, interest rates, and application process.

It goes without saying, those companies that resorted to marketing gimmicks such as spam reviews and sponsored content were removed from our list. We also made sure we didn’t include those companies that promised to offer no-credit-check loan amounts and interest rates that sounded too good to be true.

In the next step, we got in touch with the customer support executives of the remaining few companies on our list to know the crucial details about their loan services. Not only that, we even talked with experts in the industry and took their opinions on the companies to ensure their credibility.

Finally, we got a good idea about the companies and came up with this guide circling the six best ones. Here, we have mentioned the parameters based on which we assessed the companies:

  • Customer testimonials on third-party review platforms
  • Customer service quality
  • Interest rates offered
  • Transparent privacy policies
  • Range of lenders in their networks
  • Free-to-use websites

Applying For Best Payday Loans: Guide

In order to choose the most reliable no-credit-check loans company, there are a few factors that you need to consider:

1. Interest Rates

The interest rates are a crucial factor you need to consider while selecting the best online lending agency. Be sure to compare them and select the agency that offers the most affordable rates.

2. Loan Terms

Many people often avoid the hassle of going through the loan terms offered to them and end up regretting later. Don’t be one of them; ensure that you go through every term and condition, including the loan period and the APR, to ensure that it is suitable for you. That way, you can guarantee that there is no misunderstanding between you and the lender.

3. Repayment Methods

More often than not, lenders provide a wide variety of repayment options to ensure that it is easy for you to pay back the money with interest. For example, automatic payments drawn from your bank account is one of the most popular methods. Other options may include online payment or mailing checks.

On that note, ensure that your lender has a repayment option that you would be comfortable with.

4. Customer Ratings

While selecting an online lending company, make sure you conduct a bit of research. Also, going through the customer reviews of the companies can prove to be quite useful for verifying their credibility.

Such reviews might not only deal with the approved loan amount, but may also mention the speed of approval, fund transfer, privacy policy, and other important features of the company. On a side note, we recommend that you check the reviews on third-party websites such as Trustpilot because they are the ones that usually put forth genuine reviews.

5. Eligibility Requirements

Most lenders that specialize in no-credit-check loans require the borrowers to have a stable source of income to compensate for their low credit scores. Others might check the employment status and the amount of money you earn to determine your ability to repay the amount. Some might even take a look at your savings account in order to check your financial responsibility.

And it goes without saying that you need to be 18 years or older and a permanent resident of the US to be eligible.

FAQs On Private Money Lenders

Q1. What Are The Different Fees And Penalties That Lenders Could Potentially Charge?

Your lender could charge for processing fees, late fees, prepayment fees, origination fees, and return check fees.

As far as late fees are concerned, they are charged when customers are late with their payments. While some lenders provide a grace period, most don’t, especially when it is a no-credit-check loan. If you realize that you will default, give the lender a call and ask them if there is any way to avoid a late fee.

Moving on, an origination fee is charged by lenders as compensation to process a new loan application. Note that most lenders don’t charge it, but those who do can charge up to 6% of the loan amount.

Now, let’s talk about the prepayment penalty fee, which is a fee charged by a few lenders if you pay off the loan early. Any savings you hoped to make by paying the loan off early might get wiped out by such a charge as they are not cheap.

And as for returned check penalty fees, they can prove to be quite hefty as well.

Q2. Will Taking Out A No-Credit Check Loan Affect My Credit Score?

Whenever a person takes out a loan, it affects their credit score. However, making timely payments will help you improve your score. Thus, make sure you don’t default on your monthly payments.

Conclusion: Which No Credit Check Loans Company Should You Go For?

With that, we have reached the end of the article. Hopefully, you are now equipped with all the necessary information to choose the right company to help you get No Credit Check Loans. But before we wrap up, we would like to let you in on our favorite picks from the list.

We believe that BadCreditLoans is the overall best online lending agency because it is trusted by millions and helps connect users to a massive lending network. Additionally, FundsJoy is also a trustworthy company that you choose. On that note, the platform has transparent privacy policies and relies on a 256-bit SSL secured website.

And if you are looking for a company that’s ideal for unsecured loans, we suggest going with BadCreditLoans.

That’s all for today. Until next time, take care!

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