Best Signature Loans That Don’t Require a Credit Check

Andrew Reyes
A person signing a loan contract.

A good signature loan that requires no credit check will provide you with a short-term loan without asking you to furnish your credit history or physical collaterals.

A major benefit of these loans is that loan approval does not depend on your credit report. If you have bad credit and did not qualify for conventional loans, signature loans can help you.

In most banks, a strict credit-check policy is part of the approval process. Therefore, many private lenders eliminate the credit report requirement but charge added fees or higher interest rates. Before choosing a private lender for signature loans with no credit check, you should peruse this article.

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Signature Loans With No Credit Check

These are our top picks for lenders who do not require a credit check for signature loans. is a massive network connecting potential lenders and borrowers. Their online process is straightforward and simple, so you receive a decision in a few minutes. You must simply meet a few requirements while applying.

The basic requirements are that you should be at least 18 years old and have U.S. citizenship. You must also provide a valid phone number, email address, checking account details, and details about your monthly earnings. The minimum monthly salary for loan approval is $1,000 after taxes.

  • Loan amounts: $500 to $10,000;
  • Annual percentage rate (APR): 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about is an online portal that helps people get personal loans. As its name implies, it provides loan options to people with bad credit.

The service is free, and applicants can choose between various loan offers. has similar requirements as, but simply meeting requirements does not guarantee your loan approval.

  • Loan amounts: $500 to $10,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about


Payoff loans have a single purpose, which makes them different from other loan companies. Payoff intends to eliminate high interest on credit card loans.

Payoff manages to provide better interest rates because its underwriting costs are minimum. With these loans, you have better control over your finances and can pay off your credit card loans quickly.

  • Loan amounts: $5,000 to $40,000;
  • APR: 5.99% to 24.99%;
  • Loan terms: Two to five years.

Learn more about Payoff.


Prosper is an amazing peer-to-peer lending website for people with bad credit. Prosper enables you to buy now and pay later. Numerous loan options are available for borrowers. With Prosper, you can get loans to pay for household expenses, medical bills, vehicle repair, large purchases, and much more.

Prosper’s application process is easy and quick, which saves you a lot of time. When you apply for a loan, you’re assigned a Prosper score, so investors can decide if they should fund you or not.

  • Loan amounts: $2,000 to $40,000;
  • APR: 7.95% to 35.99%;
  • Loan terms: Three to five years.


OppLoans is an online platform for credit-challenged borrowers. They offer online installment loans with lower interest rates than payday lenders. Their loan approval process is simpler, but you face higher interest rates than you do with the other platforms on this list.

However, they offer to change your payment date, which can make it convenient to pay off your loans. You can find their fees, rates, and terms on their website, which indicates how transparent they are with clients. OppLoans won’t charge any penalties if you pay off your loan earlier.

  • Loan amounts:  $500 to $4,000;
  • APR: 59% to 160%;
  • Loan terms: Up to two years.

Learn more about OppLoans.

OneMain Financial

OneMain Financial offers a simple application process without credit score requirements. Its same-day funding feature is remarkable if you are in urgent need of money.

OneMain Financial’s no-credit-check feature, same-day funding options, and customer service make them a prominent contender on the list of instant loan providers. Furthermore, they also create educational content for their clients.

OneMain Financial considers their customer service as they enable clients to manage loans through a user-friendly mobile application.

  • Loan amounts: $1,500 to $20,000;
  • APR: 18% to 35.99%;
  • Loan terms: Two to five years.


Signature loans by Avant are an amazing alternative to some of the top no-credit-check loans. Their unsecured personal loans are a reliable option for borrowers. Also, Avant has high credibility in the lending industry. They have decades of experience in providing loans, which explains their impeccable reputation.

  • Loan amounts: $2,000 to $35,000;
  • APR: 9.95% to 35.99%;
  • Loan terms: Two to five years.


On the list of peer-to-peer lending platforms, Upstart is a leading name. Peer-to-peer platforms are incredible when it comes to online personal loans. With a peer-to-peer lending option, you get a variety of offers from different lenders.

With Upstart, you do not have to worry about your credit history, as they have no credit check requirements.

  • Loan amounts: $1,000 to $50,000;
  • APR: 7.86% to 35.99%;
  • Loan terms: Three to five years. has two different networks of lenders. One of those networks provides loans to people with bad credit histories. This means you can send an application to lenders despite having bad credit. They will decide if they want to offer a loan or not.

Eligible candidates must be at least 18 years old and possess a Social Security number. You must also have a checking account when applying for a no-credit-loan on this platform.

  • Loan amounts: $500 to $35,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about

What Are Signature Loans With No Credit Check?

A signature loan is a personal loan. You can get these loans from banks and private financing companies. This type of loan is also referred to as a “character loan” or “good-faith loan.”

The term “signature loan” means that the lending company will take the borrower’s signature as a promise that they will pay. Borrowers can use these loans for a variety of purposes. However, you need to pay higher interest rates because of the no-credit-check feature.

Signature loans are a type of unsecured loans. Because these loans do not include any collateral, lenders call them unsecured loans.

The lender will check your monthly salary while going through your application. Your salary will help them determine if you can pay the loan or not. In some cases, you need the signature of a co-signer to support your loan request.

Choosing a co-signer with a good credit record will increase your chances of approval. Similarly, if you have bad credit or defaulted on payments, the lender may ask for a co-signer.

How Do I Get Signature Loans Without a Credit Check?

There are a few ways of obtaining a signature loan without a credit check. Pay close attention to the process to ensure you’re making the best financial decision.

Loan Application

You need to fill out the application so the lender can view your profile and information while considering your loan request. The lender will consider your details, such as monthly salary, before they approve your loan application.

Fund Approval

The lender will transfer the lump-sum amount to your bank account. Depending on the lending company, you may or may not have to pay the processing fee. The lender will deduct this amount from the funds you receive. Hence, it is better if you confirm the fees before submitting the application.

Paying Off the Loan

You need to pay the loan in monthly installments as decided while signing up for the loan. The monthly amount you pay will be the same every month. Some lenders also depend on variable annual percentage rates.

While choosing a lender, go through their policies and requirements, especially their loan pay-off policy. Thoroughly assessing your options will give you peace of mind and a sense of confidence to make an informed decision.

How to Find the Best Signature Loans With No Credit Check Provider

The following guide will help you choose suitable loans with no credit check: 

Check the Features and Requirements

With numerous options available in the market, finding a no-credit-check lender is easy. You can go through their offerings to see which one suits your needs. However, choosing a suitable offer can be challenging. Make sure you understand their policies, APRs, and other fees before making a decision. 

Keep in Mind Your Financial Situation

You will find various loan offers with high credit score requirements. But approvals can be difficult because of eligibility requirements. As you do not have to put up any physical collateral, these options have high interest rates. Therefore, it is better to check the loan’s affordability before applying.

Do Some Research

Searching for the best options that align with your needs is essential. This means doing your research before choosing a signature loan.

Check the interest rates, credit score requirements, and other factors. You can find plenty of amazing offers on peer-to-peer platforms, lending platforms, and from direct lenders. Gradually narrow down your choices and choose the best one.

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