Personal Loans with No Traditional Credit Check

Can I Get a Personal Loan with No Credit Check from a Traditional Credit Bureau?

Obtaining a loan often involves a credit check. An unsecured loan, or opening a revolving credit account, often requires a higher credit score than any other type of financing. LendUp personal loans don’t require perfect credit and completing the application doesn’t include a hard inquiry from the traditional credit bureaus (TransUnion, Equifax, and Experian).

LendUp doesn't use a hard credit check from the traditional credit bureaus for single-payment personal loan applicants, but a lot of the same information found on one goes into our lending decision. For example, we might use information about payment history and defaulted loans to decide creditworthiness, but we won't do a hard inquiry from a traditional credit bureau that could lower your credit score.

How can I find a personal loan that doesn't check my credit from the traditional bureaus?

At LendUp, we don't use hard inquiries from the three big credit bureaus (Equifax, Experian and TransUnion) to make a decision on single-payment loan applications, but we do look at overall financial information.

We might look at your:

  • Average income

  • Payment history

  • Defaulted/closed accounts

Perfect credit is not a requirement for a LendUp Loan. Making an instant credit decision doesn't have to come down to your credit score; other information about your financial history also plays a role in the lending decision. We are also licensed in every state in which we do business, giving you added peace of mind about working with us.

Does bad credit mean no personal loans?

Many lenders won’t make loans to people with bad credit or no credit. At LendUp, perfect credit is not required for a personal loan. Having bad credit doesn’t necessarily mean you won’t be approved for a personal loan. And for single-payment personal loans, LendUp does not perform a hard inquiry from the traditional credit bureaus, which means just applying for a single-payment loan won’t affect your credit score.

Why should I choose LendUp for personal loans?

If you're looking for a personal loan with no credit check from the traditional bureaus that could lower your credit score, LendUp offers single-payment loans that might help. By avoiding a standard credit check, you may be able to get a loan that won't negatively affect your credit score.

LendUp is a safe alternative to companies advertising instant loans with no credit check. Unlike some payday lenders and brokers with offshore territories, LendUp is a licensed lender that follows state and federal regulations surrounding loans. In addition, you can submit your personal information with confidence. LendUp never sells customer information.

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