No Credit Check Loans - Apply Now

Do you need a loan with no credit check? Capital Bean is here to help people who have bad credit and no credit scores. You can borrow $100 to $35,000 to be repaid from 1 to 60 months without credit checks. Get started by filling in our 100% online form and get your money in the bank the same day, next day or within 24-hours.

Representative Example:
On an assumed loan amount of $600 over 3 months. Representative 400% APR. Total repayment amount $1037.85. 3 monthly payments of $345.95.

Where Can I Get A Loan With No Credit Check?

Capital Bean prides itself on working with a vast panel of lenders across the US to help people looking for a loan with no credit check.

If you’re concerned because you’ve been declined for a loan in the past due to your credit score, then Capital Bean can help. We work with a range of US lenders and short-term providers and have several partners who work with those with a poor or no credit history. This means you’ll get the money that you need.

You shouldn’t be discouraged if you’ve been declined in the past- there are many different loan providers out there in Alabama, Texas and Florida.

To mitigate some of the risks of lending to those with very bad credit, the lender might change the loan amount, ask for proof of income or even ask for security against the loan.

How Does Capital Bean Work?

Borrow Anywhere From $100 to $35,000

Repay from 1 to 60 Months

Free Application Process

Same Day or Next Day Funding

No Credit Check Loans

Very Bad Credit Considered

Must be In Consistent Employment

Have A Live Bank Account

Instant Loans Available

Repaid in Monthly Installments

Over 1,500 Loans Accepted Everyday

Connecting You To 45+ Lenders

No Impact on Your Credit Score

100% Online Application Process 24/7

How Can I Apply For A No Credit Check Loan?

Step 1
Apply Online

Use our 100% free online form to apply in less than 5 minutes.

Step 2
Instant Decision

You will receive an instant decision on screen from one of our lending partners who will offer the best rates.

Step 3
Receive Money

You have already provided your bank account details so within 1 hour, the same day or the next business day you will get your funds.

Am I Eligible For A No Credit Loan?

To be eligible for a loan with no credit check loan you must be:

Resident in the U.S.
18 Years Or Older
Have a steady paycheck and employment
Earning at least $800 per month
Working cell phone
An active checking account for your loan to be sent to

How Can I Find A No Credit Check Loan

There are many online lenders who do offer loans with no credit checks. Instead of credit history they might look at other factors, including income, employment status, and whether you have collateral to act as security against the loan. They might secure your loan against property or even a car.

In reality, the majority of lenders in the US will carry out some credit check when you first put in your application. This is to find out how well you’ve repaid other loans in the past and what outstanding debts you currently have. This will help them determine eligibility for any future loans.

At Capital Bean, we’re very happy to be working with over 45 US direct lenders and many of them are willing to consider those with a bad credit history or no credit. We have several lenders on our panel who only do short-term loans and installment loans for those with a poor credit history. We will act as your loan broker partner to find the lender that works best for you.

Why Would I Need A Loan Without A Credit Check?

If you’re looking for a loan without a credit check you might have a less-than-perfect credit score and don’t want to be rejected.

Unfortunately – almost all of the lenders in the US use some credit checking mechanism to determine the eligibility of a lender. They want to access information to make sure that the borrower is trustworthy and has repaid their debts in the past. By looking at their payment history, they’ll be able to see what this person is like when it comes to borrowing money. They process thousands of applications each day and so using a credit score or credit history is an effective way to judge a borrower’s eligibility.

However – if you are looking for a loan with no credit checks, then Capital Bean can help you. We will connect you with lenders who will lend to those with a bad credit history or no credit history at all. All you need to do is use our 100% online form and apply today. You’ll receive an instant decision and could have the money in your bank account the same day.

How Can I Increase My Chances Of Being Accepted For A Loan?

To increase the likelihood that you’ll be approved for a no-credit check loan, you should be able to prove that you have a stable income of over $800 per month and be able to prove this with pay stubs. This will give any lender confidence that you can repay the amount you’ve borrowed in the time that you’ve said.

Another way to increase your chances is to not have too many open loans or too much credit card debt simultaneously. When a lender looks at your credit history, they will consider how much money you’ve currently borrowed and how much your current monthly repayments are.

You want to be realistic in the amount of money you are asked to borrow. If you want to borrow $500 this should be a realistic percentage of your salary. You don’t want your monthly repayments to push you into further debt. If you are currently under-employed or unemployed, then borrowing $10,000 is probably not the way to go.

Finally – anything you can do to increase your credit score will help your chances of being approved. Think about shutting down any credit cards you don’t use and repaying any debts before applying. If you share a mortgage or bank account with someone with a very bad credit history, then see if you can unlink yourself with that account so that their credit score does not impact you.

You should also monitor your credit score month by month to see how it is progressing and whether it is increasing by taking these steps.

If I Have No Credit, Can I Get A Loan With Capital Bean?

Yes – Capital Bean can help you if you’re looking for no-credit loans. You might be young and don’t have a credit history or you might have a below-average credit score. There are a number of options for you if this is the case. As soon as you turn 18, you immediately get a credit score, but you won’t have a credit history. You’ll need to build this up over time.

If you get a credit card and make sure to pay off the total amount each month, this will help improve your credit score.

Having a perfect credit score is tricky in this economic climate. Regardless of what your credit history or credit score is, there will be lenders that will be able to help. You might be able to borrow money from a credit union, bank, or even an online app. Credit card providers are also an option as you can use them to spend money and pay it back the next month when your bill comes through.

Some lenders will change the amount of money you can borrow if you have no credit and so read their terms and conditions carefully when applying for a loan.

Can Capital Bean Offer Loans For People With Bad Credit?

Yes, we work with a wide panel of lenders who will fund customers with very bad credit or no credit checks.

A Capital Bean we’re very aware that having a perfect credit score is difficult in today’s world. The cost of living is going up day by day and we all have bills to pay. Everyone has the occasional missed payment and everyone we work with understands that this happens. They also know that people can improve their credit scores to help them get back on their feet. They know that alone is important for this and therefore they’ll work with those with no credit.

How Can I Apply For A No Credit Check Loan With Capital Bean?

Applying online is easy. Our application process takes less than 5 minutes and you can fill it out 24 hours a day, 7 days a week – whenever is convenient for you. You can log on via your mobile, tablet or even your laptop.

When you fill out the form, you’ll need a couple of basic details including age, name, location, employment history, bank details, and income. We need your bank details so that we know where to send the money once you’ve been approved.

Once you’ve filled out the loan request form, you’ll receive an instant decision on the screen, and if you pass any further checks that the lender needs, you could have your money in the account within 60 minutes, the same day, or the next business day.

We never charge any fees and your credit score won’t be impacted. Simply click apply now to get started.

FAQs for No Credit Check Loans

How Much Can I Borrow With No Credit?

Loan amounts range from $100 to $35,000, although there may be restrictions depending on where you live. Look for more information on our helpful state pages or consult the NCSL guidelines for loan terms in your location. 

If I Have Bad Credit Can I Still Get A Loan?

Yes, you can – our lending panel actively seeks to fund customers with poor credit and without credit checks. Maintaining a perfect credit score is challenging in today’s economy. Our lenders understand that missed payments can happen, and they recognize the importance of borrowing to improve credit scores and regain financial stability.

How Long Is The Loan Duration?

At Capital Bean you can borrow to be repaid over a maximum period of 5 years. Some of our shortest loans are repaid in 2 weeks depending on the amount.

Is Capital Bean A Lender?

Capital Bean is a broker, meaning that we will not pay you the funds directly but instead work with our panel of lenders to get you the best possible rate. We will pass your details on to the lender that is best suited to your circumstances. This means the best interest rates and best repayment terms.

Is It Expensive To Apply?

There are no fees to submit a no credit check loan request via Capital Bean’s online application service.

How Fast Can I Get My Money?

If you’re approved you could have the funds in as little as an hour. So if you’re looking to get money through on the same day then Capital Bean could be the right partner for you.