Installment loans with no hard credit check are ideal for individuals who need quick cash in the amounts from $1,000 to $5,000 and don't want to affect their credit score. If you are one of them, you probably have a few questions and aren’t sure where to apply for the loan. Check no credit check Installment Loan direct lenders, their rates and terms, decide how to apply - online or in a store nearby, and start the application now to pre-qualify for the necessary amount.

Table of Contents:

What are Installment Loans no credit check

Best Installment Loans with No credit check

How to Get Installment Loans with No credit check direct lender

Direct lenders No credit check Installment Loans

How to qualify?

Benefits of no credit check Installment Loans from direct lenders only

How to guarantee no credit check Installment Loans instant approval

How much Online Installment Loans No credit check cost

Long term installment loans no credit check

What if I am self-employed?

Can I get No credit check Personal Installment Loans with Bad Credit?

Unsecured No credit Check Installment loans

Easy Tribal loans as an alternative to no credit check Installment Loans

What is a No credit check Installment Loan: amounts and terms? 

A no credit check installment loan is simply any personal cash advance that you pay off by making installments, the same fixed payment every single month, during a certain time.2 The set amount of time can vary for different types of installment loans. Usually, Installment Loans with no credit check last for 6 – 36 months, and you make the same payment every month until it matures, and it matures at the last month. Just as the payment time depends on the type of loan, the amount will also depend on what kind of loan you’re getting. In most cases direct lenders offer a $1,000 - $5,000 unsecured loan with convenient monthly payments (usually from 6 to 60 months), that is available for both good and bad credit history.

Best Direct Lenders offering No credit check Installment Loans   

Do you know a few lenders in town or in-state? A few people have told you where they got the best deals on loans online? Hold on a sec, don’t hurry. Let’s say that not all lenders may approve, and not all are that good in interest rates. And let's say that your friends have individual situations and different purposes in getting loans. The good news is that you have come to the right place. Why? We will make your situation ideal for you. Get only up-to-date information and reliable reviews from our happy customers, and find the best rates from only 5,99% and up to a 3-year term offered by more than 300 direct lenders online or in a loan store near your location. Not only do we compare rates and fees from the best direct lenders online, but we give you the chance to review each top lender and choose what’s best for you. Apply online in a few clicks to get the money same day with no hard pull:


Rates last updated June 19th, 2024

Without a broker, you will be able to quickly apply online within minutes, simply by using your personal information. It’s reliable and easy to use. We are glad to offer our services and can answer any question you have just by sending us your question via email just below.

How to Get Installment Loans No Credit Check from direct lenders online? 

In the US, up to 35% of people have Bad Credit ratings1. The good news is most direct lenders rely on your poor credit history and you can easily get approved for an installment loan at a much lower APR. Just simply apply online on our site and get your funds as fast as the next day. Instant approval online is guaranteed. We don’t only offer a quick way to apply for a loan, but also offer an array of top direct lenders online or at any location available near you.

How do no credit check Installment Loans from direct lenders work?

When you qualify for an Installment Loan, it’s necessary both for you and the lender to evaluate how risky you are. 90% of lenders rely on the FICO (Fair Isaac Corporation) score.4 It’s based solely on your credit report and is determined by such factors as payment history, the current level of indebtedness, types of credit used, length of credit history, and new credit accounts. It ranges between 300 and 850. Direct lenders tend to offer higher approval rates than traditional lenders such as banks and credit unions. In some cases, a soft credit check or even no credit check will be required. They’ll determine your creditworthiness checking your income, employment history, etc. And if they perform a hard inquiry, you’ll be informed of this beforehand.

How to qualify?

How to qualify?

When it comes to the needed qualifications, a lot of people start doubting if they are eligible to apply. There are no impossible obligations that are needed to be met, they are simple and straightforward. To be qualified for a direct loan you must meet the following requirements:

  • Must be between the ages of 18 and 65 years old
  • Reside in the United States as a US citizen
  • Work in the US
  • Have a valid bank account under your personal name to repay the loan
  • Have a stable income (in some cases it could be $1000 + after taxes)

You can use Installment Loans for any personal needs you have:

  • unexpected expenses
  • unusual cash flow
  • exceeding income
  • planned purchase.

The most frequent purposes of applying for quick funds are:


No credit check Installment Loans from direct lenders only or brokers 

Choosing an Installment Loan you can apply to a direct lender, a broker, an agent of a broker or an advertising referral service. What is the difference and which one is better? Brokers are agents who receive your information and pass it on to direct lenders who they think will guarantee and approve your loan. In most cases, they charge a borrower a little fee. Or there’s also an opportunity to make your monthly payments to the lender via the broker. An additional application process may be included. Direct lenders are much easier to deal with. They can provide you with the best answers to any question you have defining what is best for you, while brokers won’t always answer your questions. Talking with a direct lender saves your personal time. Whether you are choosing a broker or a direct lender, you should check out the best loan terms and interest rates, and conditions before applying.

Do direct lenders guarantee instant approval for No credit check Installment Loans? 

A lot of people are wondering why some companies don’t approve of their loans. The thing is that direct lenders present installment loans with lower interest rates and a small amount of cash ($1,000-$5,000), therefore in some cases you can avoid a hard credit check and other longtime paperwork. That’s why you are most likely to be approved and the application procedure not to be delayed.

Calculate the cost of Online no credit check Installment Loans 

Your loan is paid in fixed equal amounts every month. Thus the amount is amortized and includes a certain principal and interest rate that could be calculated and the costs spread over a period of months. This system adds some interest and principal into every monthly installment. By using our calculator you can know where each dollar goes towards interest and towards the monthly payment. The interest rate on the loan is chosen by the lender. Not only should you know about interest rates, but you must understand what APR is. Annual Percentage Rate (APR) includes not only the interest rate but also any additional fees, which is why it intends to be higher and adds a new loan amount. By using the fixed interest rate percentage, calculations show a new monthly payment amount, which is then divided by the original loan amount and you finally discover the APR. Thus the APR shows the actual cost of funds over the loan term, which can be used to compare with other company’s rates (you can do this on our site).3

Check out a representative example of Installment Loan calculation:

Though it may seem rather high, it shouldn’t bother you much. The terms are not so long, and if you repay on time the total cost won’t ruin your budget. In case you want a small cash advance for a short period, a month for example, - apply for a $100 - $1,000 Payday Loan which you’ll be de as soon as your next paycheck.

You should mind that lenders can set out an origination fee as compensation for themselves, for laying out the loan for you. This is known as a commission-based payment It could be less than 1% of your loan. Please read the loan issuer’s conditions and rules before signing into any payment. You can easily calculate your monthly payments and APR in the following Installment Loan calculator.

Personal Loans Calculator


Estimated Payment


Total Principal Paid:$ 1,000.00
Total Interest Paid:$ 387.42
Loan Term:471.36 %
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Amortization Schedule

Estimated Payoff Date:Mar 17, 2024

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Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.

The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.

To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.

It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.

Long term installment loans no credit check

It's good to apply for Installment Loans with longer repayment terms if you think you can't afford to repay the money fast. You'll be able to plan the repayment process in fixed equal installments over the period of several months or even years depending on the lender. And it'll be more convenient for you to plan your budget and make sure you pay off the debt on time without any penalties.

What if I am self-employed?

No credit check Installment Loans can be provided to self-employed, or even unemployed borrowers on condition that they meet the basic lender's requirements. Mainly, you just need to prove your ability to repay on time.

Can I get No credit check Personal Installment Loans with Bad Credit? 

If you are planning on getting an installment loan with bad credit – don’t worry, we have a solution for you! You can compare the top direct lenders online or find their in-store locations near you, that won’t rely on their approval on your credit history.

You can get the necessary funds with no hassle, just apply online and we will provide you with the best lender. Besides, applying doesn’t affect your credit anyhow. Mostly the lender won’t bother scanning your credit. You can apply for a loan with no credit or bad credit without having a credit check online, while most banks and other traditional lenders don’t approve people with bad credit.

You can even use an Installment Loan as well as other Personal Loans in order to improve your credit history. 

Are there Unsecured Installment loans with no credit check? 

Let's make it straight – a guarantor is a person or a firm that acts as a third party that guarantees that the first party’s (the principal) promises are met by the second party (client or lender) and makes sure that no defaults occur, meaning that the principal fails to fulfill the loan terms. On the other hand, collateral is when a borrower pledges something to the lender as a way to somehow secure the loan, and if the client doesn’t fulfill the monthly payments (a default) – the lender seizes the collateral to recoup the losses.

Do our lenders require any guarantor or collateral? The answer is no.

The installment loans from $1,000 to $5,000 that our direct lenders offer are unsecured. Usually installment debts require collateral when loans are meant for homes, cars and so on. Our direct lenders don’t ask you for a guarantor either. Make sure you read the conditions and additional requirements before signing into any loans.

Easy Tribal loans as an alternative to no credit check Installment Loans

Tribal Installment Loans are provided by Indian lenders who operate under the sovereignty of the tribe. They are not regulated by state law. So, there may be a lot of additional fees. Check out the rates and other finance charges before you submit the loan request. 

It's very simple to get approved for Installment Loans with no credit check. Tribal direct lenders have basic requirements and guarantee instant approval to any borrower even with a bad credit score.