Frequently Asked Questions about No Credit Personal Loans

Here are the answers to the most commonly asked questions about no credit personal loans.

What are no credit personal loans?

No credit personal loans are small, short-term loans that do not require a credit check. No credit personal loans are also sometimes referred to as payday loans or paycheck advances. Such loans are intended to help you make ends meet between paydays. You can use no credit personal loans to pay for things like urgent utility bills, healthcare costs, or emergency car maintenance. No credit personal loans are a quicker, more convenient alternative to traditional loans.

How do I apply for no credit personal loans?

You can apply for no credit personal loans by filling out our free, online application. The application will ask you for some basic employment, bank account, and contact information and should only take a few minutes to complete. Once we receive your application, we will let you know within seconds if you've been approved for no credit personal loans. If you're approved, one of our representatives will contact you via telephone to complete the process. If you applied during normal business hours, we will then deposit the funds into your account overnight. For most customers, this means that they have access to their no credit personal loans by the morning of the next day.

Does my credit history affect my ability to qualify?

No credit personal loans do not require a credit check to qualify. Thus, no matter what kinds of credit challenges you have, they will not affect your ability to get no credit personal loans. We also do not use your credit to determine your interest rate.

How soon can I get no credit personal loans?

In many cases, you can have your loan in about 24 hours, if you apply during normal business hours. We usually have our no credit personal loans electronically deposited into your account by the next business day. Our deposit and repayment system is automatic and electronic, so you don't have to worry about waiting for checks to clear or writing checks for repayment.

What is your maximum loan amount?

The loan amount for which you qualify will depend primarily on your income. In general, we can offer you no credit personal loans of up to $1,500. Our maximum loan is about three to five times that of our competition.

When is my loan due?

The due date of your loan will be specified in your consumer loan agreement. Commonly, the loan will be due on your next payday for your convenience. On the due date, we will automatically withdraw the amount of the loan plus a finance charge from your account. Please see what our customers said about us on the following page.