We can provide loan options for applicants with low credit scores as well as those with no credit history.
You can borrow from $100 to $35,000 with flexible repayment options, between 1 and 60 months. Click below to get started. You’ll be able to see what loans are available to you straight away. 100% online and funds are transferred to you within 24 hours or on the next business day.
Do No Credit Check Loans Exist? Where Can I Find Them?
Yes, loans with no-credit-checks do exist and Harpsey is able to match those borrowers with bad credit or no credit history to lenders specializing in no credit check loans.
Many applicants have been refused loans in the past because they have not passed automated and inflexible credit checks. These checks tend to look at your credit score as the sole criteria with the usual result that only those applicants with a credit FICO score of 720 or higher (considered excellent) pass credit checks and are offered a loan.
Harpsey, on the other hand, works with a wide range of innovative and more flexible online lenders including US payday lenders and other short term loan providers who look at the overall financial picture of an applicant to evaluate their readiness to offer a loan.
Some of these lenders choose not to undertake a credit check where they feel it is not appropriate, for example, where an applicant does not have any credit history.
These lenders are still ready and willing to transfer funding to those borrowers who meet their affordability and cashflow checks rather than the credit score checks.
Harpsey has a network of selected and vetted lenders and loan providers who are actively looking to fund loans to borrowers with poor credit scores or no credit histories.
They are located across many states in the US, including California, Colorado, and Florida
Where the lender opts not to carry out a credit check on a potential borrower with bad credit, they tend to manage their risk of a loan default by the borrower in other ways. They often do this by carrying out other checks such as cashflow, proof of income and employment as well giving the option to provide some form of collateral.
They may also propose to limit the amount of the loan borrowed to a manageable amount as well as balance their risk by charging above-market rates of interest on the loan. It is often a trade-off to securing a loan with no credit-checks.
What Do I Need To Do To Get A No Credit Check Loan?
Customers can obtain a no-credit-check loan through Harpsey by completing our loan request form. We work with over 65 US direct lenders who are willing to lend no-credit-check loans to customers on a daily basis.
The types of lenders that offer no-credit-check loans range from payday lenders to short term online loan providers. They are willing to base their decision to lend on other factors such as age, employment and income. Many payday lenders don’t require credit checks at all and evaluate the customer by carrying out a quick affordability review.
It is worth bearing in mind that, if those lenders choose not to carry out a credit check on the borrower, they may end up charging above-market rates of interest, particularly if it’s a very short payday loan.
This is the payday lender’s way of balancing their own lending risk. This is because they cannot verify if the customer has a good or bad record of repaying loans, credit cards and other types of debt in the past, without carrying out a credit check.
Harpsey works with excellent lenders who look to lend to all customers, including those with bad credit or no credit history at all. In particular, we have a network of lenders who specialise in installment loans and other short term loans with a specific focus on customers with poor credit histories. These lenders may carry out credit checks as standard but will look at your overall financial picture to determine your eligibility for a loan. They tend to apply a stronger weighting to your current income and less focus on your credit score.
We want to make borrowing money as accessible as possible for everyone regardless of your circumstances. Provided it is affordable for you, you shouldn’t be prevented from taking out a loan. We are proud to act as your loan sourcing partner, enabling you to pre-qualify and obtain the best loan to match your requirements.
What Are The Reasons For Needing A Loan With No Credit Checks?
Many people look for no credit check loans, such as payday loans or other short term loans. This is often the case because many customers are concerned that their credit score is not strong enough to support their loan application and they don’t want to take the risk of being turned down.
Many people have experienced difficulties with debt in the past whether that’s making late or missed repayments on a credit card or struggling to keep up payments on a previous loan. The result is that it can have an impact an individual’s credit score which lenders do typically look at when assessing each customer’s eligibility for a loan.
The truth however, is that credit scores vary considerably between applicants and just because you may have some red marks against your credit profile does not mean you become ineligible for a future loan with an online lender. Public discourse and popular opinion makes many people think, that a less than perfect credit score, will automatically disqualify you from being approved for a loan.
At Harpsey, we see thousands of people successfully apply for a loan, on affordable terms, despite having below-average and low credit scores. A credit score is one of multiple factors that a lender will look at when assessing an applicant. It gives an impression of an individual’s outstanding debt commitments and payment histories. This helps to inform the lender on whether the individual is likely to repay the loan or not.
With our lenders processing thousands of applications every day, looking at the credit profile is a useful way to score each applicant. Some of our payday and short term lenders do not carry out credit checks but the vast majority do. Those that don’t often charge more interest too.
More importantly, our lenders consider lots of other important information such as your income, employment and age to reach a decision on your overall financial situation and the affordability of the loan. Harpsey can help connect you to lenders who are interested in accepting different credit histories including bad credit, poor credit scores and those with no credit profile.
Start by filling out our loan request form and receive an instant decision today.
What’s The Best Way To Increase The Chance Of My Loan Being Approved?
The best way to maximise your chances of being accepted for a no-credit-check loan is to try to have your finances in order when you come to apply for the loan.
This means showing the lender you have a stable and steady income via proof of your earnings each month. This will boost your likelihood of being approved for a no-credit-check loan because it gives the lender confidence that you will have sufficient funds in your account each month to repay the loan.
When it comes to debts, having lots of outstanding loans and credit cards can often be a bit of a warning flag for lenders. They tend to score you at higher risk due to you having multiple debts due at the same time. If you’re able to avoid taking out new loans and credit cards, and reduce or eliminate any existing ones, this will massively help when it comes to applying for an important loan.
Although it’s possible to obtain a no-credit-check loan with some lenders, the less credit you have on your personal credit file, the better your overall chances of being accepted for a loan. Try to pay off any credit cards or store cards you have, bit by bit. This will help to improve your credit score which can only help your chances of securing the loan you need.
If you have a shared account or mortgage with someone who has bad credit, consider looking into how you might separate yourself from that account so that your credit score is not adversely impacted by their bad credit profile.
Be pragmatic about the amount you can afford to borrow. The amount you request to borrow should be proportionate to what you can afford based on your debt-to-income ratio. If you want to borrow $1,000, you’ll need to be able to show you can afford to repay an amount each month (of principal and interest) from your salary. If you want to borrow $20,000 but are not currently in employment, you may need to re-think what is affordable for you.
Finally, try to understand what your credit score looks like so you can put yourself in the shoes of the lender. There are lots of free tools and trials online that enable you to check your credit score. If you can find ways to improve it over time, it will only serve you well in the long run.
What Is The Eligibility Criteria With Harpsey To Get A No Credit Check Loan?
You need to ensure you can meet the following conditions:
- Over the age of 18
- US or Canadian resident
- Stable employment income
- Earning no less than $800 each month
- Access to a live checking account for loan to be paid into
At Harpsey, one of our goals is to match borrowers with lenders looking to offer loans on competitive and affordable terms. This means our lenders do carry out a range of sensible checks relating to income and expenses to ensure each borrower can afford the loan they wish to borrow. This prevents people falling into financial difficulty or potentially leading a borrower into a cycle of debt.
Can Harpsey Get Me A Loan With No Credit?
Yes, Harpsey is well placed to support those looking for no credit loans.
Many people may not have generated a credit profile due to not having any credit history. This means that their credit score will not give the lender anything to go off when assessing the applicant. This is the case for those people just turning 18 or those who have never needed to take out a loan or credit card.
In order to build your credit profile and show a good credit score, you typically need to be able to show potential lenders that you’ve taken out some credit in the past (i.e. loans or credit cards) and paid them back, in full and on time. This way you can show you have a good record of repaying debt. This will help to turn your no credit profile or sub-par credit score into something to which lenders will respond favourably.
Of course, each of us have our own individual financial circumstances, some of which are simple and others more complex. The loan providers that Harpsey works with understand this and make it their goal to be flexible and responsive to the needs of our customers.
Having no history of credit to your name or a sub-par credit score may mean that the loan amount you want to borrow at this point in time is slightly lower than what you had originally envisaged. Or the rate of interest you’re offered is a little higher than you expected. The key part is that you can still be approved for a loan with no credit or sub-par credit. By paying the loan back in-full and on-time, it will help to improve your credit score and, in turn, make you an even more attractive applicant next time round.
Harpsey offers a bespoke loan matching service for people with no credit and all different credit histories. We are confident we can source a competitive and affordable loan to meet your needs. At the same time, we always encourage people to look at all their options based on their financial requirements, whether that’s speaking to a bank, credit union, credit card providers, payday lenders, apps and lending circles to name a few.
Key Features of No Credit Check Loans
| Instant Decision? | Yes |
| No Upfront Fees? | Yes |
| Legal? | Yes |
| Direct Lender? | Yes |
| No Credit? | Yes |
| Completely Online? | Yes |
Representative Example
This is just a typical example of a loan. Real terms will vary from lender to lender.
Borrow $600 over 3 months, at 400% APR, 3 repayments of $345.95, total repayable $1037.85
Can People With Bad Credit Get A Loan With Harpsey?
Yes, people with all different credit histories, including those with bad credit or those looking for no-credit-check loans, come to Harpsey to obtain a loan. We can accommodate those with bad credit by connecting you with lenders who are able to take a more flexible and agile approach to their lending criteria.
The team at Harpsey together with our selected network of lenders appreciate that maintaining a perfect credit score, whilst navigating through life’s ups and downs, is very challenging. With household bills to pay, the cost of living continually rising and growing families, the occasional missed or late payment is not surprising.
If you’re a borrower with bad credit, we know that you’ll want to improve your credit score to boost your chances of being accepted for a loan. In most cases, the best way to do this is to secure a loan and repay it back in full and on time. Harpsey can help to facilitate this by enabling you to pre-qualify for a loan that meets your needs.
Our lenders approve borrowers with bad credit or no credit on a frequent basis. You just need to remember that you’ll need a steady flow of income from your employment or job and be able to prove that you can afford the monthly repayments.
How Is Harpsey Different To Others Offering No Credit Check Loans?
Harpsey is a proud and forward-thinking participant in the loan introducer and sourcing market. We offer a bespoke service which we believe is built on responsible and affordable principles.
Our service is completely free to use and the way in which we have developed our technology means that customers can pre-qualify for a loan, free of charge, without any impact to their credit score when they apply online.
We focus on finding the right loan for our customers based on their financial requirements. We’ve supported thousands of US residents, with different credit histories, secure a loan through our best-in-class network of lenders.
We treat all information securely so you’re in safe hands with Harpsey. We work hard to find the most competitive and affordable loan options for each customer that applies online through our loan request form. Come take a look if this might be of interest to you.
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What’s The Process For Applying For A No Credit Check Loan With Harpsey?
In order to apply for a no-credit-check loan with Harpsey, you’ll need to complete our quick and simple loan request form. It should not take you more than 5 minutes of your time to complete and it is completely free of charge to submit. You can complete it 24 hours a day, 7 days per week to make it as flexible as possible so can work around your busy schedule. It can be completed via desktop, laptop or mobile.
We handle all applications securely and everything is done online so you won’t need to go into any branch or stores to verify your application. In order to complete the application, you’ll need to enter some personal information including your name, age, location, income, employment details and your bank details (so the lender can send you the money once approved).
Once you’ve submitted your application with these details, you’ll receive an instant decision on screen showing whether you’ve been approved for a loan and what those loan options may be. This is called the pre-qualification stage and there’s absolutely no impact to your credit score by pre-qualifying for a loan with Harpsey.
If you decide to proceed with the loan offer, the lender may run some final checks (including a potential credit check which they’ll flag to you) based on their system requirements. You’ll then typically need to confirm you want to accept the loan offer, by electronically signing the loan agreement, sent to you by email.
Our lenders will then send you the money into your live checking account within 24 hours of the loan being approved, but this is usually done within a few hours of signing the loan agreement.
No Credit Check Loans | FAQs
- Do You Charge Any Fees For Submitting A Loan Application?
- What Information Should I Have Available When Submitting A Loan Application With Harpsey?
- What Are The Consequences If I Don't Make Repayments On The Loan?
- How Much Am I Able To Borrow With Harpsey?
- How Quickly Will I Receive The Money If I Am Approved?
We do not charge you any fees for making an application with Harpsey nor do we take any money from your account for submitting your information. The only fees you are charged are by your chosen lender if you choose to accept the loan offered by them.
These fees are typically interest payments charged by the lender on the loan repayments. This will be shown to you clearly before you accept the loan. It is an obligation for them to present this information clearly beforehand in writing to you including the APR on the loan.
You’ll need the following key information to apply:
– Loan amount you want to borrow and the period you want to repay it over (i.e. 1 month, 6 months, 1 year)
– Name, date of birth and address
– Contact details including email and cell phone
– Live checking account details
– Social security number
If you fail to keep up repayments on your loan (whether that be a payday loan, installment loan or no credit check loan) without speaking to the lender, you’ll typically be charged a late repayment fee under the terms of the loan agreement.
It will also negatively impact your credit score as any missed or late repayments are usually reflected in your credit score as that information is typically passed on by lenders to the 3 main credit bureaus who are responsible for determining your overall credit score.
The lenders we work with regularly send reminders to each borrower in the days leading up to the repayment due date, to give you the best chance of keeping on top of your repayments. If you do have trouble making a repayment because of your financial circumstances, we strongly encourage our customers to be proactive and speak to your lender at the earliest opportunity.
Lenders are required to look at all options to support you with any financial issues you are having. This could mean deferring your payments to a later date, freezing or suspending your payments until your financial situation improves or offering you a payment plan whereby you extend the term of the loan so can pay a smaller amount each month to ease the strain.
Through our lenders, Harpsey makes loans of $100 to $30,000 available to our customers. The loan amount extended to you will be dependent on how much you want to borrow as well as your financial position.
You can borrow a low amount and pay it back over a few weeks (such as with payday loans). Conversely, you can choose to borrow a larger amount and repay it over many months (up to 60 months in equal monthly installments). The choice is yours.
If you’re approved, you can expect to receive the loan money within a few hours of being accepted. The maximum time for funding is 24 hours or next business day from approval but it’s usually a lot quicker than that and often reach your checking account in less than 1 hour. If the loan is particularly large or complex, then you should give up to 24 hours or next business day for the money to be sent to you.
