How can I get online loans no credit check?

If you’ve been searching for ‘online loans no credit check’ then chances are you’re suffering from a bad credit history. A poor credit score might be a score between 0 – 400 (depending on the bureau) and can affect your access to better loan and credit card deals. Fortunately, these days you there are lenders who may be able to offer you a bad credit loan, however, if a lender says they won’t do a credit check, perhaps think twice. While a credit check may sound intimidating, a lender doing one and properly assessing what you can reasonably afford, may help you work that credit score towards being positive.

That’s where we come in. 

Pocket Cash is a lender finding service that can match you with online lenders prepared to give you a fair go. We specialise in finding personal loans from $2,100 to $10,000 and can help you find finance with or without a credit check. So, if you’re worried about bad credit – don’t be! Pocket Cash will work hard to find online loans no credit check and other personal finance options to meet your needs.

Are no credit check loans online safe?

No credit check loans can be very safe but it depends on your lender and the terms they offer. Credit checks are a simple way for lenders to look at your financial history and see if you’re likely to pay off a loan. They aren’t the only way, though. Many lenders will look at your bank statements to check your income and spending habits. This helps give them an indication of whether or not you could afford the repayments on a loan. Ultimately, all credit comes with some level of risk, so credit check or not – so, if you’re searching for ‘online loans no credit check’ – it’s important to do your homework.

What is the easiest loan to get with bad credit?

Although no credit check loans may seem like the obvious answer, this isn’t necessarily the case. Online loans with no credit check often come with steeper rates and less flexible terms. As a result, bad credit personal loans can offer a better alternative. Most lenders offering these loans will still conduct credit checks, but they’ll also look at other factors when determining eligibility. This enables them to offer more features where no credit check loans can’t.

Ultimately, no single loan is easier to get approved for. It all comes down to the lender! The good news is, when you apply with Pocket Cash we’ll do our best to match you with a lender that’s likely to approve your application. Sounds pretty easy, doesn’t it?

Finding online loans no credit check: What to look out for online

No matter what loan you choose to go with, finding a lender isn’t always easy. With Pocket Cash, you can take the hassle out of finding a lender by letting us do all the hard work for you! Pocket Cash works with a wide range of lenders. Some may offer online loans no credit check but most will do credit checks. This is a standard part of responsible lending practices and doesn’t immediately spell rejection. A lender may still approve your application based on your other spending habits. 

In any case, we’ll work to find you a lender that is capable of offering you a loan, not an online loans no credit check.

How does it work?

If you’ve been searching for online loans no credit check, applying for a loan through Pocket Cash couldn’t be easier. Just follow these three simple steps:

Step 1: Apply online

To get started, scroll to the top of this page to find our loan calculator. Using the slider, select how much you’d like to borrow and the repayment period. Hit ‘Apply Now’ when you’re happy. From there, you’ll be directed to our 100% online application. This usually only takes minutes to complete. Once you’re done hit ‘Submit.’

Step 2: We get to work

Once we’ve received your application, we’ll get to work! If we find a match, then your lender will assess your application and put together a suitable loan offer. Should you be approved, they’ll send you through a loan contract to sign.

Step 3: Get your cash

If you’ve been approved for a loan, congratulations! Should your bank have NPP-enabled payments then you could get your cash in as little as 60-seconds with some lenders. However, transfer times vary between lenders so make sure you speak to them directly to find out when the cash will hit your account.

Who is eligible to apply?

Anyone can apply with Pocket Cash! However, we do have some eligibility requirements in place to ensure we can find you a suitable loan. To qualify, you must:

• Be 18 years of age;
• Be an Australian citizen or permanent resident;
• Receive a regular income for the last 3 months;
• Have a valid mobile number and email address.

How can I improve my credit rating?

Ultimately, if bad credit is standing in the way of your financial needs – you may want to consider working on your score. Your credit score is measured by a number of factors, like how often you apply for credit cards and your repayment history. Here are a few things you could try to help get your credit score back on track:

• Create a budget – and stick to it. If you know how you’re spending your money, it’ll be much easier to track. Budgets also make it a whole lot easier to keep ahead of your bills and save some extra cash.
• Pay on time. Nothing looks worse on your credit report than a bunch of late payments. Make sure you pay those bills when they are due. If you can’t make a payment, contact the institution to claim financial hardship and request an extension.
• Keep your credit card balance full each month. If you can’t pay off your credit card debts each month, you may want to consider ditching the card altogether. It will certainly help you to avoid accruing interest and fees.
• Seek out advice. If you’re unsure about how to manage your finances, or even if you’re there are a range of tools you can look to for help. MoneySmart is a government resource that’s a good place to start. Alternatively, a professional financial planner could help you get your money and spending in check. 

Ready to apply for a loan? 

When it comes to online loans no credit check and bad credit loans, look no further than Pocket Cash. We know how hard it can be to find lenders capable of offering the finance you need. So, don’t waste time scouring the internet! Simply apply online and let us search for the right match. Stop that search for online loans no credit check. Apply with us and we’ll get back to you with an outcome in no time, leaving you to get on with the stuff that matters.

Scroll up now to apply!