Top 10 Loan Companies for Bad Credit with No Credit Check & Guaranteed Approval

Securing financing with a poor credit score can be quite a hassle. That’s because many lenders consider it risky to give loans to borrowers with a bad credit history. Most companies tend not to offer bad credit loans at all.

If you fall within this category, there’s better news for you. You can get bad credit loans approved from reputable lenders as quickly as the same day. And since many of these companies only require you to prove your repayment ability, your credit score won’t matter.

We’ve drawn a list of top loan brokers that allow you to take out loans with bad credit. Four of our best picks are:

  1. WeLoans - Get bad credit loans up to $5,000 from WeLoans within minutes
  2. US Bad Credit Loans - Secure approval on bad credit loans today
  3. US Installment Loans - Access instant bad credit installment loans now
  4. CocoLoan - Obtain quick bad credit loans online via CocoLoan

Below, you’ll find comprehensive information about ten reputable lending channels and how they offer bad credit loans to borrowers.


WeLoans is a broker that connects intending borrowers with hundreds of lenders in its network. The company allows you to secure between $100 to $5,000 in payday and installment loans. For personal loans, you can get as much as $35,000 even if you have a bad credit score.

Even with a bad credit history, applying for funding through WeLoans is easy and seamless. You simply have to fill out your details and banking information, a process that takes only a few minutes to complete.

When your loan is approved, you may get the cash transferred to your account as soon as the next business day.


  • The lending process is simple and fully online
  • Borrowers receive approval decisions typically within a few hours
  • Personal and banking information is secure
  • Suitable for borrowers with bad credit history


  • Repayment methods are not flexible

Get access to bad credit loans from dependable lenders through WeLoans today

US Bad Credit Loans

US Bad Credit Loans is a fully registered broker offering services to borrowers with poor credit in the US. Thanks to its extensive list of lenders, you can secure funding without hard credit checks.

The process of requesting a loan at US Bad Credit Loans is quite easy and automated. Visit the company’s website and follow the prompts to submit all necessary information. After answering several questions, a panel will assess your request and grant approval in minutes.

While US Bad Credit Loans does not require a good credit rating to release funds, you may need to show proof of income. This helps certify that you can repay the loan when due.


  • Provides loans without hard credit checks
  • Borrowers receive funds as quickly as the next business day
  • There are a variety of bad credit loan options


  • Proof of income is necessary for funding

Secure up to $5,000 at US Bad Credit Loans even with bad credit history now

US Installment Loans

This company is a leading online credit institution, partnering with trustworthy lenders in the US to provide fast and easy access to installment loans. Importantly, loans are available even to applicants with low credit scores.

To get started, send a loan request on the company’s website. As soon as lenders review your information, you’ll get feedback on whether the loan is granted. While you can borrow as much as $5,000 with US Installment Loans, you’ll need to provide proof of income.


  • Conducts only routine soft credit checks
  • Relatively lower interest rates
  • Secure information retrieval and processing methods


  • Proof of stable income is compulsory

Looking for installment loans for bad credit? Make a request at US Installment Loans now


CocoLoan is one of the best platforms for swift bad credit loans. Although the company doesn’t offer direct loan services, it connects borrowers with reputable lenders. By submitting your information with CocoLoan, you can receive up to $35,000 without hard credit checks.

There are also a variety of bad credit lending services available with the broker, ranging from personal loan options to installment loans. You’ll get offers from multiple lenders, allowing you to compare interest rates and repayment terms. And if you are not eligible for direct funding, the company allows you to take a loan with a cosigner.


  • Permits personal loans with a cosigner
  • The application process is quick and easy
  • Borrowers get quotes at no cost


  • Lenders have higher interest rates

Get a quote from CocoLoan partner lenders today

Personal Loans

Request up to $35,000 from Personal Loans to meet urgent financial obligations or general home expenses. The company is a credit broker with reputable lenders in its network that offer loans for a wide range of purposes.

Its lenders have some of the most competitive rates for personal loans. All you have to do is highlight why you need the loan and fill out a short form. You’ll get offers from direct lenders, and if there’s no willing lender, Personal Loans leverages third-party networks for you.

Funds typically appear in your account as quickly as the next business day after approval.


  • No obligations to loan offers
  • Competitive interest rates and repayment terms
  • Quick funding in as fast as one business day.


  • Lenders charge origination fees on loans

Caught in financial struggles? Secure funding from Personal Loans today


BadCreditLoans is specifically committed to providing funding opportunities to borrowers with poor credit history. The company functions as a broker by connecting you with a network of lenders that offer up to $10,000.

There are also multiple personal loan options available at BadCreditLoans. And if the broker can’t find an offer from its existing line of lenders, it sends the request to trustworthy third-party companies.


  • Round-the-clock application and funding process
  • Multiple offers from direct lenders and third-party companies
  • Secures your information with industry-standard encryption technology


  • A limited loan amount for poor credit borrowers

Fill out an online form at BadCreditLoan and receive a personal loan today


OppLoans is a credible online lending institution that provides funding opportunities to Americans. Unlike most other online agencies that act as brokers, OppLoans is directly connected to Opportunity Financial LLC, a licensed lender.

Borrowers with a low credit score can leverage the platform to secure fast personal loans through an easy online process. In addition, the company reports loan repayment to boost your credit rating.


  • Direct affiliations to lenders
  • Sends on-time repayment to credit bureaus to improve customer credit scores
  • No origination fees or hidden charges


  • Relatively high-interest rates on loans
  • Loan amounts depend on location and creditworthiness

Apply for an online personal loan with OppLoans today


Reputed for its borrower-friendly installment loans, MaxLend offers as much as $3,000, deposited in your account within the same business day.

This company is a direct lender that focuses on providing a seamless alternative to the harsh repayment terms of payday loans. MaxLend also issues loans to people with a bad credit score or those without a credit history at all.


  • Provides same-day funding for requests on business days
  • Grants loans to borrowers without a credit score


  • Loans are not available in up to 14 states
  • High-Interest APRs

Get a direct installment loan with bad credit at MaxLend now

Check Into Cash

Check Into Cash is a direct lender committed to providing short-term financial solutions. Borrowers can submit an application on the website or visit one of its walk-in stores.

Loan approvals with Check Into Cash usually come minutes after submitting your request. You can also receive your cash as soon as the next business day. Borrowers with bad credit reports also have chances to get installment loans.


  • No application fees or hidden charges on your loan request
  • Offers both online and physical store services


  • The minimum age for application is 21 years old
  • Proof of income is necessary for requesting loans

Secure up to $3,000 in Installment Loans at Check into Cash today


Upgrade is a top-choice lending platform offering personal loans up to $50,000. Over the years, the company has gained a reputation for its discount on loan repayments and APRs. You can secure loans with a low credit score as long as it meets the lender’s minimum requirements.

Visit the website to get your bad credit loans by providing the necessary information in a form. You can review several loan offers and select the loan with favorable terms.


  • Discounts for automatic repayments and rewards checking account
  • Mobile app version for easier transactions
  • Lengthy repayment terms for several loans


  • Funds take up to five business days to appear in your account
  • Borrowers pay the origination fee

Get a discount on bad credit personal loans with Upgrade today


Can I Get Personal & Installment Loans for Bad Credit with No Credit Check?

No, you can not get loans with no credit check. Although lenders generally conduct some form of credit check, you can expect a soft pull. There are brokers or direct lenders that grant access to personal and installment loans even if you have a bad credit history.

Most lenders offering bad credit personal loans will also require you to show proof of a stable source of income. That way, they can assess the possibility of your repayment. You can apply for a personal or installment loan at any of the platforms listed above.

What Other Types of Loan Can I Apply for with Bad Credit?

If you’re unwilling to opt for personal loans or installment loans, payday funding is a viable alternative. Payday loans provide funding for emergency expenses and are to be repaid on your next paycheck.

You can request a payday loan for bad credit online from a majority of the brokers highlighted in our list above. There, you can apply conveniently and get your funding in as little as 24 hours. However, the interest rates of payday loans are typically high.

How Can I Build My Credit?

You can improve your low credit score by encouraging credit-positive strategies. For instance, it’s advisable to use a lower percentage of your credit card limit and repay before the end of a billing cycle.

It would also help to increase your credit card limit which, in turn, reduces your credit utilization. Otherwise, you can opt for a secured credit card and pay for your credit spending upfront. Remember to also pay off bills early and dispute your credit report if you discover errors.


Personal and installment loans are a great way to settle emergency expenses that can readily throw you into a tight financial spot. Thankfully, you now also have a long list of lending companies that offer them to bad credit borrowers.

By simply showing proof of a stable income and submitting your information online, you may qualify for offers worth thousands of dollars. The best part is that many lenders have lengthy repayment options. So, you don’t have to spend the entirety of your next paycheck on debt.

The companies highlighted above are reputable and licensed lending institutions. As such, you can rest assured that the loan offers are dependable and your information is secure. Submit your details at any preferred broker or direct lender today and get funds paid into your account instantly.

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