Soft Credit Check Loans Online

Do All Lenders Perform Credit Checks?

Some lenders will undertake a hard credit check, or “pull” to approve your loan application, whereas some will only conduct a soft search. Online loans with soft credit checks can include payday loans and title loans.

Where To Get A Loan With A Soft Credit Check

Getting a loan if you have a bad credit score can be difficult, especially if you want a low interest rate. By using a comparison site or a loan broker, you can find a lender who can offer you a loan that uses a soft credit check. Payday loans and instalment loans could be an option if you need to borrow money with bad credit. 

Loans With Soft Credit Checks

There are several types of loan available without a hard credit “pull”:

Payday Loans

Many payday lenders offer loans for people with bad credit in some states. Payday loans are generally under $500, offered with a high interest, and can be acquired within one day. With Find Me A Loan Today, we work with a variety of fast payday loan lenders; you can request a loan with us even if you have a poor credit history.

Pawn Shops

You could opt to visit a local pawn shop to get a cash loan, which will be a percentage of the value of something valuable that you own, like jewellery. The store will not sell that item, provided that you repay the interest on the loan. If you do not repay, the shop can sell your valuables.  

Title Loans

Car title loans, also known as auto title loans, is where a borrower uses their vehicle to secure a loan. The loan amount is determined based on the value of your vehicle.

Borrowing From Friends and Family

If you’d rather not borrow from a lender, you could ask family or trusted friends to give you a cash loan. You won’t need a credit check to borrow money from them.

Can You Get A Guaranteed Loan Approval Without A Check?

No loan decision can be guaranteed without going through the proper checks unfortunately. A lender will need to evaluate whether you can afford to repay the loan. To meet the minimum eligibility requirements for cash loans online for bad credit, you’ll need to be over the age of 18, have a mobile phone, US residency and a US bank account.

In order to give yourself the best possible chance of approval, you should ensure that you can afford to make the repayments every month, and also not have a recent history of missed payments on your credit report.


Save Time

Searching for the best payday lender can be time consuming and stressful. Your short term credit could be only two completed forms away.


The Right Fit

We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find the right loan for you.



We're a broker, not a lender but we'll try to help you get a loan even if you don't have a perfect credit history.

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