How to Get an Online Loan with No Credit Check

You can still get approved for an online loan if you have a bad credit score. In fact, there are many online loans for people with poor credit that can help you get the money you need. Many of these options come with fast applications and quick funding. Here’s a closer look at how to get an online loan with bad credit. 

What is a poor-credit online loan?

A bad-credit online loan is a loan for borrowers with any credit score. If you apply for this type of loan, you can expect the lender to look at factors other than your credit. Your income, employment status, and current debts are some examples of factors that will help them decide whether to approve you. 

online loans you can get approved for with poor credit


Types of online loans for people with poor credit

There are a variety of online loans for people with bad credit, including: 

Payday loans

A payday loan is a short-term, small dollar loan that can help you cover expenses before your next payday. You can repay this loan once you get your paycheck, usually within two to four weeks. 

Installment loans

An installment loan allows you to borrow a set amount of money at once. You can then pay it back over time via fixed monthly payments. 

Title loans

A title loan is a secured loan that uses your car as collateral. If you own your car, you can exchange your title for a lump sum of cash. You can keep driving your car as you repay the loan. 

Lines of credit

A line of credit is similar to a credit card. You can withdraw as much or as little as you’d like up to your set credit limit, and you’ll only pay interest on the amount you borrow. 

Credit card cash advances

A cash advance is a small, short-term loan that you can receive from your credit card issuer. If you get approved, you may receive the funds that same day, within 24 hours, or in a few business days. 

How to get an online loan with poor credit

If you’re interested in online loans that approve people with poor credit, follow these steps:

1. Check your credit report for errors

Go to to pull copies of your credit reports from the three major credit bureaus: Experian, Equifax, and TransUnion. If you notice any errors, dispute them right away. 

2. Compare online loans

Do some research and find several lenders that offer online loans for bad credit. Then, compare all of your options and choose the best loan for your budget, lifestyle, and unique needs.

3. Gather all necessary documents

Make sure you have a government-issued ID like a driver’s license or passport on hand. You may also need proof of an active checking account and a paystub or another document that shows your income. 

4. Fill out and submit your application 

Go to the lender’s website and fill out an online application. Before you submit the application, double check your information for accuracy.

5. Wait for approval 

Wait for the lender to get back to you with a decision. Many lenders will approve you instantly, the same day you apply, or within 24 hours. 

6. Receive your funds

If you chose direct deposit, the money should hit your bank account shortly after you get approved for the loan. You may also receive the funds via check or prepaid card, depending on the lender. 

You can get approved for an Advance America loan with poor credit 

If you have bad credit, you may still get approved for an Advance America loan.  We offer a variety of products including payday loans, installment loans, title loans, and lines of credit. You can fill out an easy application online or in-store and get approved quickly. Upon approval, you may receive your funds in as little as 24 hours. Visit Advance America today to learn more about the loans we offer.


The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.

134+ million
loans issued
1,200+ stores
and online loans
23+ years
providing loans