Having a good credit score is basic in the United States to be able to contract any financial product, such as credit cards, personal loans or mortgages, so if you do not yet have a credit history or you want to improve it we help you to boost it with personal loans with no credit check and also secured loans. Find out here how to contract them and their conditions and costs.

Compare loans with no credit check


 Greenlightcash

Greenlightcash

  • Amount: between $ 100 and $ 5,000
  • Term: between 7 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
FundsJoy

FundsJoy

  • Amount: between $ 200 and $ 5,000
  • Term: between 7 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
MaximusMoney

MaximusMoney

  • Amount: between $ 200 and $ 5,000
  • Term: between 1 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
Oportun personal loans review

Oportun personal loans review

  • Amount: between $ 500 and $ 10,000
  • Term: between 24 months and 106 months
  • Extra: Regardless of your credit score.
    Interest rate between 27.74% and 35.95% APR
    Address: PO Box 4085, Menlo Park, CA 94026
MrFinan

MrFinan

  • Amount: between $ 500 and $ 50,000
  • Term: between 15 days and 120 months
  • Extra: Fast loans up to $50,000 for whatever you want.
    Interest rates from 6% to 439% APR
    Finansi Group SL - Calle de las Barcas 2 Piso 2, 46002, Valencia
Maxlend

Maxlend

  • Amount: between $ 100 and $ 3,000
  • Term: between 7 days and 9 months
  • Extra: Interest rate between 471% and 841% APR
    Address: P.O. Box 760 | Parshall, ND 58770
Opploans

Opploans

  • Amount: between $ 500 and $ 4,000
  • Term: between 30 days and 24 months
  • Extra: Interest rate between 59% and 160% APR
    Address: 130 E Randolph St - Suite 3400 - Chicago, IL 60601
Bad Credit Loans

Bad Credit Loans

  • Amount: between $ 500 and $ 10,000
  • Term: between 3 months and 36 months
  • Extra: Interest rates between 5.99% and 35.99% APR
    Address: Chief LLC, 2661 N Pearl St #431 - Tacoma, WA 98407
Cash Advance

Cash Advance

  • Amount: between $ 100 and $ 1,500
  • Term: between 1 days and 6 months
  • Extra: Interest rate from 15% to 1,564% APR
    Address: 278 East 1875 South - Roosevelt, UT 84066
Grupo Estrella Cash

Grupo Estrella Cash

  • Amount: between $ 300 and $ 5,000
  • Term: between 14 days and 12 months
  • Extra: Consult with the entity the interest rate and the APR
    Address: 2929 Floyd Street, Burbank 91504 CA

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When we talk about no credit loans, we refer to all those, whether personal loans with no credit history and quick loans with no credit check, that allow people who do not yet have an established credit history to obtain financing and those with bad score to rebuild it.

These types of products, of course, are not the same as most of them, since they have a series of different requirements or conditions. We can find among them secured personal loans , which ask for a guarantor in the form of a deposit.

The use of loans without credit can be either to start your history and be able to have a credit score that allows you to access other financial products or to get money for some need when you still do not have a score with which to obtain regular loans.

Secured personal loans with no credit history

These are loans and lines of credit that require as collateral a cash deposit that will serve as a guarantee in case you cannot afford the monthly payments.

At the beginning of the contract, you will have to deposit in the bank the same amount of money that you want to obtain as a credit limit. In this way, the bank ensures that it will collect the borrowed money even if you are unable to pay it back, since in that case it will keep the security deposit.

Loans with no credit

A secured loan is mainly used to start your credit history and to improve or rebuild it in case you have a bad score.

How to take out secured personal loans?

These financial products are not offered by all banks, in fact they are not very common, so you will have to first find out which institutions grant them. To make your search easier, we have gathered in this list the bank loans that you can get without credit.

Cash-Secured Loan

Cash-Secured Loan

  • Amount: between $ 2,000 and $ 100,000
  • Term: between 1 year and 10 years
  • Interest: 7.24%
  • APR: 7.24%
Secured Personal Loan

Secured Personal Loan

  • Amount: between $ 2,000 and $ 500,000
  • Term: between 1 year and 5 years
  • Interest: 8.50%
  • APR: 8.50%
Savings Secured Loan

Savings Secured Loan

  • Amount: Ask
  • Term: 0 months
  • Interest: Ask
  • APR: Ask
Secured Personal Loan

Secured Personal Loan

  • Amount: From $ 5,000
  • Term: between 1 year and 5 years
  • Interest: 11.99%
  • APR: 11.99%
Secured Installment Loan for RV

Secured Installment Loan for RV

  • Amount: between $ 2,000 and $ 300,000
  • Term: between 3 years and 15 years
  • Interest: 9.24%
  • APR: 9.24%
Secured Line of Credit

Secured Line of Credit

  • Amount: between $ 5,000 and $ 500,000
  • Term: between -1 months and 20 years
  • Interest: 8.25%
  • APR: 8.25%
Savings Secured Line of Credit

Savings Secured Line of Credit

  • Amount: between $ 250 and $ 100,000
  • Term: 0 months
  • Interest: 10.50%
  • APR: 10.50%
Secured Loan

Secured Loan

  • Amount: between $ 1,000 and $ 100,000
  • Term: between 1 year and 5 years
  • Interest: 4.16%
  • APR: 4.16%

To apply for them online you must access the bank's website. Once there, you must follow the steps indicated by the financial institution.

Normally you will have to register as a client if you are not already one, for which you will have to open a checking account in the bank, where you will deposit the money that will be used as guarantee for the loan.

Before formalizing the contract it will be necessary that you have deposited this capital that, sometimes, can be destined to a certificate of deposit that provides you with a certain profitability in the meantime.

If you comply with the payments without delay or incident, when you finally finish repaying the loan, the money you used as collateral will be released and you will be able to withdraw it to do with it whatever you wish.

Fast loans with no credit check

In this case we are talking about unsecured loans, which are granted to people with bad credit or no credit history. They are quick loans of small amounts of money that you can contract through the Internet and that have very low requirements, so that almost anyone can obtain financing.

This type of product is also used for quick cash in times of need when no other source of liquidity is available.

Due to the few conditions they require, the urgency with which they grant the money and the ease of contracting them, these fast loans with no credit check compensate for their higher risk by applying much higher interest rates and fees, which allow them to compensate for the higher non-payment they suffer.

In Busconómico we have created a specific section for these bad credit loans, since not all of them allow you to apply for money with no credit history. From there you can compare and choose the one that best suits your needs. Among this kind of fast financing, you can also find car title loans.

How to take out quick loans with no credit check?

Unlike secured personal loans, with urgent financing with no credit check you will not have to provide any type of guarantee. Usually you will be able to get a maximum of $1,000 and pay it back in no more than 2 months.

Applying for these quick loans can be done through their web pages, where you can register and indicate the amount of money you need and the term to repay it.

After filling in your personal and employment data in the corresponding form and sending the necessary online documentation, the money will be sent immediately to your checking account, and you will be able to use it for whatever you want, without giving any explanations.

Secured credit cards with no credit history

Just as we can find secured personal loans to start or improve your score, it is also possible to contract secured credit cards, which also ask you for a deposit of money in the financial entity that acts as a guarantee.

They act in the same way as loans, but in card format and through an associated credit line that you can use whenever you want, without exceeding the established limit and applying interest on the money drawn down.

With them you will be able to make purchases in any physical and online establishment around the world, as if it were a normal credit card, as well as withdraw cash at ATMs.

If you want to check the best ones, you can consult our list of secured credit cards, where we carefully analyze each one of them, with information frequently updated.

Which banks offer secured cards with no credit history?

Currently, most banks in the United States allow you to sign up for secured credit cards. You can consult the list we have linked above, but the main financial institutions that offer this type of product are:

Español: Préstamos personales sin crédito