Best No Credit Check Loans: Top 5 Hard Money Lenders Offering Personal Loans For Bad Credit In 2022

We can agree that we’re lucky to live in this age of online transactions and banking, where millions of companies offer quick cash on every corner. However, if you take a closer look at those arrangements, you’ll notice that people with bad credit usually don’t get the best deal. They end up paying back much more than they’ve taken, sometimes even losing large collateral, such as their cars or houses.

But we’ve gone too far with this scenario because many people with bad credit can’t even get loan approval. In cases when they do, lenders send them offers with unfavorable conditions, often with very high rates. They also do hard pulls and damage the credit score even more.

However, the market changed over the years. Many companies saw the potential and decided that offering loans with reasonable rates to borrowers with bad credit could benefit both sides. If you want to find those lenders and get best no credit check loans, you should use credible and secure loan platforms as recommended by The Island Now. To help you out, we found and reviewed the best lending platforms and their most important features.

Top 5 No Credit Check Loans With Guaranteed Approval:

  1. MoneyMutual: Overall Best No Credit Check Loan, Editor’s Pick
  2. BadCreditLoans: Preferred Bad Credit Loans With Instant Bank Account Transfer
  3. RadCred: Trusted Personal Loans At Great Rates & Credit Report
  4. CashUSA: Reliable Credit Union For No Credit Check Into Cash
  5. PersonalLoans: Customer’s Choice For Payday Loans & Instant Cash

#1. MoneyMutual: Overall Best No Credit Check Loan, Editor’s Pick



With almost 15 years of experience, MoneyMutual is one of the best, if not the best, lending platforms for personal loans with bad credit. The company works with credited lenders and lending companies and connects them with borrowers looking for loans with guaranteed and fast approvals.

Over the years, MoneyMutual has built a high reputation for itself, thanks to its efficient and fast service, iron security, and hassle-free online loan application. Through this platform, borrowers can request loans up to $5,000 regardless of their credit score. Many of them are matched with a potential lender within minutes.


3-step procedure

The loan application is the strongest feature of this company. MoneyMutual appreciates its clients’ time, and that’s why it provides an easy-to-fill loan application that people can complete in less than ten minutes.

The entire loan process contains three easy steps. First, you’ll have to complete the loan form with your personal and financial information. The company will ask you how much money you need and why. You’ll also have to answer questions about your monthly income and submit evidence that proves the information is valid.

After you send the request, it’s time for MoneyMutual to turn its wheels on. According to the company’s website, the platform usually conducts a soft pull (it doesn’t damage your credit score) to check your information.

If everything is okay with your loan form, MoneyMutual will send it to the lenders in its network. Therefore, it may take only a few minutes for you to be connected with a lender. If there’s a lender willing to work with you, the platform will redirect you to the lender’s website, where you’ll continue the process.


Since applying for a loan at MoneyMutual or any other lending platform includes giving out much information, it’s not surprising that many customers are concerned about their safety and privacy. We completely agree that safety is a number one priority, and we think that security measures are one of the most crucial factors that determine the platform’s credibility and trustworthiness.

MoneyMutual will not fail you regarding this issue. In fact, this loan marketplace is often considered the safest online platform in this business. That’s because MoneyMutual uses an array of security measures, safeguards, and bank-grade encryption that protects clients’ data.


Most clients visit MoneyMutual’s website to find lenders for no credit check loans. The platform collaborates with more than 100 reliable and reputable lending companies, and according to the reviews, many of them are willing to work with people with bad or poor credit.

Usually, clients apply for personal loans. However, you may qualify for other loan types depending on your monthly income, credit, and repayment abilities. Of course, the loan type also depends on the lender because not all of them offer more than one type.

Since MoneyMutual is not a lender, the company is not involved in the offers you may get. Therefore it can’t discuss the possible rates. However, according to the website, all clients get fair treatment, and many lenders have reasonable rates.

=> Click here to visit the official website of MoneyMutual

Application requirements

MoneyMutual is free to use for all customers. However, the platform has some requirements, meaning some people can apply for a loan, but their requests won’t be considered. In order to be eligible, you have to meet the criteria set by the platform.

  • The loan application can be used by US citizens or permanent residents
  • The applicants must be at least 18 years old
  • Clients need to have an active checking account
  • Applicants need to have a monthly income of at least $800

You should keep in mind that these are application requirements. Therefore, meeting these criteria doesn’t necessarily mean you’ll qualify for a loan or that the platform will find a lender who is willing to work with you.

Further, even if you’re connected with a lender and receive an offer, it doesn’t mean you’ll get a loan. That’s because lenders usually have additional eligibility criteria necessary to get a loan.


  • Reputable loan marketplace
  • Very easy to apply
  • Simple application requirements
  • Secure website
  • Fast and efficient service
  • Clients with bad credit can apply


  • Due to the interest rate limit, the service is not available for New York borrowers

Customer experience

According to the testimonials, most people who have used MoneyMutual to shop for loans are satisfied with this matchmaker’s effectiveness. They say that the loan form is quite easy to complete and that they have received loan offers within minutes after applying.

#2. BadCreditLoans: Preferred Bad Credit Loans With Instant Bank Account Transfer



Another excellent loan marketplace with many years of experience is BadCreditLoans. The company collaborates with many state and Tribal lenders and has helped millions of clients get a loan through its marketplace.

BadCreditLoans is one of the best platforms for borrowers who struggle with bad credit scores or not-so-shiny credit histories. Thanks to its vast lender network, efficient service, customer-friendly support team, and straightforward loan form, instant credit history, this platform has built a widely-known reputation and gained a lot of respect from clients all over the country.


3-step procedure

The application and loan procedure has three stages. First, you’ll have to fill out the loan form found on the BadCreditLoans’ website. The loan request contains several personal and financial questions, and you’ll have to answer how much money you need, why you need it, how much money you earn, and other similar questions.

You’ll also have to give contact information, such as email address, private, and work phone numbers. Additionally, you’ll have to enter other details, including zip code, SSN, checking account, etc.

After you submit the loan application, BadCreditLoans will review your request and may conduct a soft pull to verify the information. After confirming the validity of the information you’ve entered, the company will send your request to its lender network and try to find you a lender.

If a lender wants to work with you, BadCreditLoans will redirect you to the lender’s website. You’ll be able to read the lender’s offer and the conditions. If you agree with the terms, you and the lender will e-sign a deal, and the lender will be able to send you the money as soon as the next business day.


In order to apply for a loan online, you have to give your personal and financial information. Therefore, you’ll be putting your privacy at risk, and that’s why using a trustworthy and secure platform it’s very important.

BadCreditLoans is one of the most trusted loan marketplaces because it has industry-standard security. The company employs multiple computer safeguards, protective measures, and advanced encryption to provide its clients with safety.

If you’re interested in finding out more about the protection and how your information is shared, you can read the company’s privacy policy.


BadCreditLoans specializes in matching lenders with borrowers who need personal loans with bad credit. However, since the platform’s lender network is quite comprehensive, clients can apply and find lenders who offer credit cards, business loans, auto loans, student loans, mortgages, and home refinances loans.

It’s essential to remember that BadCreditLoans is not a lender, and it doesn’t participate in the deals you may receive. Therefore, the company doesn’t have information about the rates and conditions that may be offered to you.

However, BadCreditLoans has many years of experience. So, according to the website, most lenders give personal loans up to $10,000. Further, the lenders usually give loans with APRs from 5.99% to 35.99% and terms between 90 days and 72 months.

Again, you should keep in mind that the loan terms vary from lender to lender. In addition, your credit score and monthly income may affect the offer you may receive.

Application requirements

As we mentioned earlier, you’ll have to fill out the loan form with your personal and financial information. To pass the first stage of the loan request, you need to meet the platform’s application requirements.

  • Only US citizens and permanent residents can apply for a loan
  • The applicants must be at least 18 years old
  • Applicants must provide evidence of regular monthly income
  • Borrowers must have an active checking account on their names
  • Applicants must provide work and home phone numbers and valid emails

If you meet the mentioned requirements, BadCreditLoans will consider your request and send it to its lenders’ network. However, if you’re connected with a lender, you’ll have to comply with their criteria too in order to qualify for a loan.

=> Click here to visit the official website of Bad Credit Loans


  • Experienced company
  • Large lender network
  • Very easy-to-use website
  • Suitable for borrowers with bad credit
  • Secure and protected platform


  • Borrowers with lower credit may get loan offers with higher rates

Customer experience

We found customer reviews on many forums and reviewing platforms. Combined with the reviews found on the website, we can say that the customers gave positive feedback regarding BadCreditLoans in general. Most clients are satisfied with the speed and effectiveness of the service. They say that the loan form was very easy to do and that they were matched with lenders very quickly.

#3. RadCred: Trusted Personal Loans At Great Rates & Credit Report



With over 700,000 clients and numerous years of experience, RadCred is often considered one of the best lending platforms for borrowers with various poor credit scores. The company is very trustworthy and provides a high level of security for every visitor to its website.

RadCred collaborates with numerous lending unions, loan providers, and lending companies. That’s why it is able to deliver fast and effective service to its clients across the country.


3-step procedure

Unlike spending hours at the local bank and going through dozens of procedures, applying for a loan at RadCred will take you no more than ten minutes of your time. Moreover, the entire procedure contains three stages, two of which require your attention.

First, it is recommended to check whether you meet the platform’s requirements. If that is settled, you won’t need much time to complete the loan form and send the request. RadCred’s representatives will review your application to verify the authenticity of your submitted information.

The second stage doesn’t require your attention. At this point, the lending platform sends your loan application to its network of direct lenders, lending union, and third-party loan providers. If some of those credit unions are willing to collaborate with you, the platform will redirect you to the lender’s website.

Given that the entire procedure takes place online, you’ll be able to view the lender’s conditions and the offer. If you agree with the terms, you’ll e-sign a contract, and you may receive the funds within 24 hours(on business days).


RadCred employs various security measures in order to secure each client’s privacy. Customers’ data is protected by advanced bank-grade encryption and computer safeguards. The website is regularly inspected for malware, unauthorized access, and data sharing.

The company has received several certifications for its security and clients’ data protection. If you’re interested in finding more, you can check the platform’s privacy policy.


RadCred is a matchmaker between potential borrowers and potential lenders. The platform is not a lender, and it isn’t involved in the offer you may receive as well as the contract you may sign. Therefore, RadCred can’t give information about the loan terms, rates, fees, and the loan types borrowers may get.

However, based on its experience, the marketplace says that most lenders are willing to collaborate with borrowers with bad credit as long as they meet the lenders’ criteria. The company also says that most lenders have reasonable fees and rates and may give various types of loans.

Usually, people use this loan marketplace to find personal loans, emergency loans, payday loans, auto loans, and other loan types. However, it’s important to remember that the conditions vary from lender to lender, and you should read the offer very carefully before signing it.

If the platform can’t find you a suitable lender, it may offer you other credit-related services. RadCred may connect you to other companies that provide credit repair, debt relief, credit monitoring, or another type of credit-related products or services.

Application requirements

Since every lender has different requirements in order to collaborate with a borrower, RadCred can’t include the exact criteria you need to meet to get a loan. However, if you want to submit a loan application, you still have to comply with some basic criteria that are typical for online lending platforms.

=> Click here to visit the official website of RadCred

  • Be a US citizen or permanent resident
  • Be at least 18 years old or 21 in some states
  • Have a valid banking account in your name
  • Have a regular monthly income
  • Provide contact information, such as a valid email address and phone number

Please remember that you may not receive a loan offer even if you meet these criteria. However, you should also keep in mind that if you receive a loan offer, the lender will most likely have additional requirements to give you a loan. Moreover, the lender may conduct a hard inquiry on your credit score.


  • Respected company
  • Secure and protected
  • Fas and efficient service
  • Straightforward loan form


  • The service isn’t available to New York and Connecticut borrowers

Customer experience

We’re glad to report that many customers successfully obtained no credit checks loans through this loan marketplace. According to the reviews, most people are satisfied with RadCred because they were able to get money within 24 hours after applying. They say that they were lucky that RadCred found them suitable lenders with favorable rates and fees.

#4. CashUSA.com: Reliable Credit Union For No Credit Check Into Cash



If you’re interested in obtaining personal loans with guaranteed approval, you should definitely visit CashUSA.com, as this company has one of the most trusted and credible loan marketplaces in the country. CashUSA.com has been active in the online loan market for numerous years and has joined forces with state and Tribal lenders in order to provide product diversity to its clients.

Besides offering a broad network of lenders, this lending platform is also known for its simplicity. Visitors are not bothered by unnecessary information and various marketing tricks. Instead, CashUSA offers a simple loan form and a comprehensive educational center so that clients can improve their credit scores and financial situation.


3-step procedure

Providing as simple as possible application procedures was one of the criteria we set when we researched for this article. Even though there were some other platforms with solid services, they had a more complicated application process.

Since we believe that saving time is the most important reason why you’ve decided to use an online loan marketplace, we excluded those platforms and researched for companies that offer a simple loan process.

CashUSA.com is an excellent lending platform for busy people who don’t have time to waste on unnecessarily-long loan applications and long-lasting loan approvals. The company has a straightforward loan form, where you’ll have to write your information.

After applying, the platform will try to find you a lender in its lenders’ network. During the second stage of the process, lenders will review your request to determine whether they want to work with you. If a lender decides to work with you, the platform will redirect you to their website, where you’ll be able to sign a deal with the lender.


CashUSA.com considers clients’ security a number one priority. The company understands that many customers have concerns about their privacy, and they will rather close the website if they’re not convinced that the site is well protected.

Therefore, CashUSA meets all industry standards for security by implementing various measures and advanced encryption. You can read more on this topic in the company’s ‘Privacy policy’ section.


CashUSA is a lending platform that connects borrowers with lenders who offer personal loans. However, even though most customers use the marketplaces to get personal loans, you may obtain other types, given that the lenders’ network is quite comprehensive, and the lenders may want to send you an offer that suits your needs.

Although CashUSA can’t guarantee the rates and terms of the lenders, the company says that most lenders give loans up to $10,000. Usually, the loan terms range from 90 days to 72 months, and clients pay APRs from 5.99% to 35.99%. Of course, the terms and rates may vary, depending on the lender’s working principles and your repayment abilities.

When it comes to the application process, it usually takes less than ten minutes. Since the platform collaborates with many lenders, it may find you a lender within minutes after submitting the loan form. If you and your lender agree on the terms, you may receive the funds as soon as the next business day.

=> Click here to visit the official website of CashUSA

Application requirements

Even though CashUSA.com has simple application requirements, the criteria are slightly higher than the other lending platforms. In order to review your request, CashUSA has set several standards that you have to meet.

  • Applicants must be at least 18 years old or older, depending on their state regulations
  • Applicants must be US citizens or permanent residents
  • Borrowers must have a steady monthly income of at least $1,000 after taxes
  • Borrowers must be employed for at least 90 days
  • Clients must have an active checking account
  • Must provide valid work and home phone numbers, and a valid email address

If you pass the first stage of the application process, CashUSA will try to find you a suitable lender. However, keep in mind that the lender will have additional requirements you’ll have to meet to be eligible for a loan.


  • Trusted company
  • Straightforward application process
  • Easy-to-fill loan form
  • Secure website


  • It has higher eligibility criteria than other platforms

Customer experience

CashUSA.com has many satisfied clients who testify of the company’s effectiveness and quality service. Most reviews come from people who talk about the platform’s security. They also say that CashUSA found them a lender within minutes after requesting a loan.

However, we found some reviews from customers who say that CashUSA has higher criteria. They say that the platform asks more personal questions than some other lending marketplaces.

#5. PersonalLoans: Customer’s Choice For Payday Loans & Instant Cash



We’ll finish our review section with PersonalLoans, one of the US’s most experienced and credible lending platforms. PersonalLoans has earned its reputation thanks to its services’ level of quality and its customer-centric working principles.

The company has a wide network of state and Tribal lenders who offer loans with reasonable rates and operate all across the country. Most of them are members of associations and organizations that support and promote fair and responsible lending.

The wide lenders’ network, along with the hassle-free loan and speedy services, make PersonalLoans one of the best-known loan marketplaces. The company has thousands of monthly visits and numerous satisfied clients who testify to its quality.


3-step procedure

PersonalLoans employs the same 3-step procedure we discussed in the previous reviews. It offers a straightforward online loan form that you’ll have to complete and send. The loan application contains personal and financial questions so that the platform and the lenders review your situation.

Besides giving private information, you’ll also have to submit evidence to prove that the details you wrote are valid, such as SSN, zip code, work phone number, etc. Of course, the lending platform does a soft pull that won’t hurt your credit score. However, if PersonalLoans finds you a lender, they will probably do a hard pull to check whether you will be able to repay your debt.

The third stage includes the actual connection between you and a lender who agreed to work with you. If this happens, you’ll be redirected to the lender’s website, where you’ll be asked to complete another loan form. Of course, if you don’t agree with the terms, PersonalLoans will not obligate you to sign the contract.


PersonalLoans has, of course, a very well-protected website. Otherwise, we wouldn’t include the company in our article. It uses a series of security measures, including unauthorized access control, bank-grade encryption, and computer safeguards.

The website is regularly monitored for the presence of any suspicious activities. It has earned multiple certifications for the level of security it provides. Also, reputable software like TrustedSite has not detected any spamming activity, malware, malicious links, or phishing.


As the name suggests, PersonalLoans is a loan marketplace that offers access to lenders who offer personal loans. However, the company’s network includes a comprehensive variety of lending companies that may offer you bad credit loans, tax loans, payday loans, home refinances, mortgages, emergency loans, no credit check loans, debt consolidation, and many other loan types.

Through this platform, you may obtain a loan of up to $35,000. Most lenders approve loans with APRs from 5.99% to 35.99% and loan terms from 90 days to 72 months. However, this may not be the case with the offer you may receive because lenders have different conditions.

It’s very important to note that PersonalLoans is not a direct or indirect lender. The company is not included in the process and can’t guarantee any loan rates, fees, or terms.

=> Click here to visit the official website of Personal Loans

Application Requirements

Before you decide to choose PersonalLoans as a loan marketplace, we recommend you check whether you meet the company’s application criteria. Generally speaking, the requirements are basic. However, they are slightly higher compared to the criteria set by the other lending marketplaces.

  • Applicants must be 18 years old or older, depending on their state’s regulations
  • They must submit a valid SSN
  • They must be legal US citizens or permanent residents
  • Applicants must show evidence of steady monthly income
  • Borrowers must have a valid checking account
  • Applicants must show a pattern of responsibility
  • They mustn’t have accounts more than 60 days late
  • Borrowers must not have recent or active bankruptcies

Remember that meeting these criteria does not guarantee that you’ll receive a loan offer. Further, you should know that the lenders will probably have additional requirements to agree to lend you money.


  • A reputable and experienced company
  • Secure platform
  • Loans up to $35,000


  • Applicants with bad credit may be rejected

Customer experience

Most of the customer reviews have positive feedback. Usually, clients describe their experiences, and according to their reviews, they are satisfied with the platform’s efficiency and quality. They say that PersonalLoans offers no credit check loans very quickly and that it has an excellent educational blog.

However, some customers complain that they were rejected because they had bad credit scores. On the other hand, we also found many reviews from customers with bad credit who obtained loans within 24 hours. Therefore, we recommend you check the service yourself even if you have a bad credit score.

Factors To Consider While Choosing A Platform For No Credit Check Loans

We researched and collected some tips that may help you find the best lending platform. These recommendations are based on the most important factors you should consider while choosing a loan marketplace.


Before giving any personal or financial information, you should always read the privacy policy of the company. We also suggest you check the security measures the company uses to protect clients’ data.

The platform should employ computer safeguards and at least industry-standard encryption. Otherwise, it would be unsafe to use it. You can also check whether the platform owns certificates for the level of security it provides.

Lenders’ network

We think that you should choose a platform that collaborates with multiple lenders in order to multiply your chances of receiving an offer. If the network contains a vast number of lenders, you probably will receive an offer sooner than applying for a loan on a marketplace that has fewer lenders.

Some platforms collaborate with state-licensed and Tribal lenders. This can expand your chances. However, remember that Tribal lenders follow different laws than those set by the states.


Another significant factor you should consider is the loan amount you want to borrow. Even though the platforms are not lenders, they have an idea of how much money the lenders in their network can lend.

Simple application requirements

If you have bad credit, the last thing you need is to apply on a lending platform that has complicated application requirements and requests clean credit reports. That’s why we suggest you check the application requirements before giving your information.

Additionally, having simple application requirements often suggests that the loan form is easy to complete and it doesn’t require much time. Reliable companies provide loan applications that can be completed in about ten minutes.

Why Should You Choose An Online Loan Company?

We believe that applying for a loan through online lending platforms is a much better option than going from one local lender near you to another. The biggest benefit is the time you’ll save. However, doing your business online has other benefits too.

Besides saving precious time, online lending platforms give you the opportunity to compare offers. Even if this feature is not a part of the platform’s services, you can always open multiple tabs on your browser, apply on several platforms, and wait for offers. Once you receive the offers, you can compare the rates and conditions, making your loan shopping much easier.

Another benefit of using online loan marketplaces is education. Most reliable and reputable companies have developed comprehensive educational blogs where you can find useful articles, tips, financial advice, and up-to-date information. You can learn how to improve your credit score and handle your finances.

Usually, lending platforms work 24/7. You may receive an offer even if you apply in the middle of the night. The sooner you accept and sign the deal, the sooner you’ll get the money. And the entire process takes place online, including e-signing the deal.

FAQs On No Credit Check Loans

Q1. Where to find loan providers for no credit check loans?

Many loan providers are willing to work with clients who can’t afford hard pulls on their credit scores. Even though you can look for a lender near you, we recommend you apply for a bad credit loan online through a lending marketplace. Thus, you’ll save a lot of time, and you’ll be able to compare offers.

However, keep in mind that some of these platforms are not well-protected. Also, some marketplaces may want to use your situation, offer you a loan with unfavorable rates, and urge you to accept it. That’s why you should always research the company before deciding to use its services.

Q2. Are Lending Platforms Safe?

Yes and no! As we said in the previous answer, some companies take advantage of people’s situations, especially if they’re looking for emergency loans or bad credit loans with fast approvals.

Usually, when clients are looking for those loan types, they need money immediately. So, platforms offer expensive loans at high rates because they know that many people don’t have another choice but to accept the offers.

Furthermore, there are platforms that collect clients’ personal information and give it to third-party companies in exchange for money. They earn money while you end up with an inbox full of junk emails and never-ending ads.

That being said, yes – there are lending platforms that are not safe. However, there also are excellent and customer-friendly marketplaces that will try to connect you with a lender within minutes so that you can obtain the money as soon as possible. That’s why it’s very important to choose the lending platform very carefully.

Q3. Do Lending Platforms Offer Bad Credit Loans?

Some companies act as a bridge between lenders and borrowers while also operating as loan providers. If you apply for a loan through those platforms, the companies can send you multiple offers from their own lenders and offers from third-party lenders in their networks.

However, we always recommend lending platforms that are not lenders and are not involved in the deal you may receive in any way. That’s because you can’t be sure whether you’ll get an attractive offer and the best rates when the matchmaker that’s supposed to connect you with a lender offers loans too.

On the other hand, lending platforms that don’t offer loans are more transparent and reliable. Moreover, if you don’t agree with the conditions of the offer you’ve received, you can use the platform until you find a suitable lender. Further, most platforms, like the ones we reviewed, don’t charge their services. So you can apply as much as you want.

Conclusion: Find The Best No Credit Check Loans Guaranteed Approval

If you know where to look, obtaining no credit check loans can be a very easy task. All you need to do is find a reliable, secure, and trustworthy lending platform that will connect you to potential lenders for best no credit check loans.

We hope our reviews on MoneyMutual, BadCreditLoans, and the other platforms will help you choose the most suitable one for you. We’re sure that these experienced and customer-friendly companies can take good care of your financial needs.

The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. does not accept liability for any loss or damages caused by the use of any products, nor do we endorse any products posted in our Marketplace.