The best $1,000 loans with no credit check are from OppLoans, Integra Credit, and Upstart.None of these loan providers use applicants’ credit history as a condition for approval, though it’s important to note that approval is never guaranteed. Lenders will look at things like your income and employment status to determine your ability to pay.
Best $1,000 Loans With No Credit Check
The lenders above offer the best loans of $1,000 with no credit check because they don’t require collateral and they have rates that are relatively low compared to those of predatory payday lenders. They’re not the only places to borrow without having your credit pulled, though.
Other Places to Get a $1,000 Loan With No Credit Check
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Borrow from friends and family
There’s no limit on the amount you can borrow from friends and family, as long as they’re willing to lend it. Just be sure to have a solid repayment plan so you don’t ruin your relationship.
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Pawnshops
Pawnshops typically offer 25% - 60% of an item’s value, and they hold onto that item while you repay the money with interest. The interest is expensive, though, and if you don’t pay on time the pawnshop will sell the item rather than return it to you.
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Auto title lenders
You can get a loan of around 25% to 50% of the value of your car, to be repaid in 15 to 30 days. But if you can’t pay it back - with interest as high as 25% of what you borrow - you could lose your car.
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Payday lenders
Borrowing from a payday lender should be an absolute last resort, as they charge extremely high fees, often equivalent to a 400% APR. Payday loans must be paid back from your next paycheck, and you usually will not be able to borrow more than $500 - $1,000, depending on the state.
This answer was first published on 05/03/23 and it was last updated on 10/12/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
The specific credit score you need to qualify for a $1,000 loan can vary quite a bit among lenders. Most lenders look for good to excellent credit scores (670 or higher), but there are some that are willing to work with people who have less-than-perfect credit.
What credit score is needed for a $1,000 dollar loan? ›
The specific credit score you need to qualify for a $1,000 loan can vary quite a bit among lenders. Most lenders look for good to excellent credit scores (670 or higher), but there are some that are willing to work with people who have less-than-perfect credit.
What is the easiest loan to get right now? ›
Easiest-to-get personal loans compared 2024
| Title | APR | Min. credit score |
|---|
| BadCreditLoans.com | 5.99% to 35.99% | Undisclosed |
| Upstart | 5.2% to 35.99% | 300 |
| Avant | 9.95% to 35.99% | 580 |
| LendingClub | 8.98% to 35.99% | 600 |
6 more rowsMay 7, 2024
How to Get $1,000 Through Loans and Advances
- Personal Loans. ...
- Payday Loans. ...
- Installment Loans. ...
- Peer-to-Peer Lending. ...
- Title Loans. ...
- Credit Card Cash Advance. ...
- Online Lenders. ...
- Credit Union Loans.
Best no-credit-check loan lenders
| Lender | Loan Type | Amount |
|---|
| Afterpay Pay in 4 | BNPL | Up to $600 for new customers |
| Empower | Cash advance | Up to $250 |
| EarnIn | Cash advance | Up to $750 per pay period |
| MoneyLion | Cash advance | Up to $500 |
5 more rowsHow Can I Get a Loan If No One Will Approve Me? Specialist lenders offer bad credit loans with more flexible approval criteria. Provide a larger deposit, use a guarantor, or secure the loan against an asset. Shop around and compare lenders.
What app lets you borrow $1000? ›
MoneyLion beats the industry when it comes to both customer reviews and borrowing limits. You may be eligible to get a cash advance up to $500, or up to $1,000 if you connect your RoarMoney account.
What is a hardship loan? ›
What Is A Hardship Loan? A hardship loan is a type of financing that helps people dealing with a financial crisis caused by an emergency expense or an income shortfall. You can use a hardship loan to cover everything from a surprise medical or car repair bill to necessities like food and rent.
What to do when no one will give you a loan? ›
What Can I Do If No One Will Give Me a Loan?
- Research peer-to-peer lending.
- Explore loans from friends and family.
- Look at pawnshop loan options.
- Compare credit card cash loans.
- Seek information about government assistance programs.
Once those subside, you'll find there are ways to get your hands on quick cash, without falling prey to scams.
- Sell spare electronics. ...
- Sell your gift cards. ...
- Pawn something. ...
- Work today for fast cash today. ...
- Seek community loans and assistance. ...
- Ask for forbearance on bills. ...
- Request a payroll advance.
How to make $1,000 fast
- Sell stuff you already own.
- Deliver food.
- Pick up a part-time job.
- Rent out unused space.
- Start freelance writing.
- Try affiliate marketing.
- Drive for a ridesharing service.
- Find odd jobs.
Quick Answer
Personal loans, credit card cash advances and borrowing from friends or family are among the best ways to access cash when you need money right away.
Is Speedy Cash legit? ›
The company offers several types of loans, so borrowers can choose the option that makes the most sense for their needs and financial situation. While its interest rates are high, Speedy Cash is a legit option for people who need cash fast and can pay it back within the allotted time.
What app lends money without a credit check? ›
Many different types of companies offer no-credit-check loan products. MoneyLion and EarnIn are two apps that specialize in payday advances without credit inquiries. Splitit is an example of a BNPL service that doesn't have credit checks.
What is the easiest loan to get online? ›
Payday, car title and pawn shop loans, as well as credit card cash advances, can offer same-day funding. Some personal loan lenders also offer more or less instant approval and funding. Applying for a personal loan online will likely be the most secure, fastest and easiest way to get a loan.
Can I get instant loan without credit score? ›
Securing an instant loan without a CIBIL score may seem challenging, but it's achievable with the right approach: 1. Apply for a small amount: If you are new to credit and hence don't have a CIBIL score, start small. Apply for a small loan amount as compared to your income.
What credit do you need for a $1000 loan? ›
The higher the score, the better your chances are of getting approved for a loan. In general, lenders consider scores between 650 and 750 as good. It is easier to approve loans for mortgage or personal use with reasonable interest rates. Those with scores lower than 550 may need help getting approved for loans.
How much can I borrow with a 580 credit score? ›
You can borrow anywhere from a few thousand dollars to $100,000+ with a 580 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.
How much can I borrow with a 720 credit score? ›
The best personal loans for a 720 credit score are from LightStream because they offer $5,000 - $100,000 with APRs of 7.49% - 25.99% and repayment periods of 24 - 84 months. You will need a credit score of 720+ to qualify for a personal loan from LightStream.
What is the minimum credit score for a cash loan? ›
Payment history is weighed the most heavily in determining your credit score, along with your total outstanding debt. Generally, borrowers need a credit score of at least 610 to 640 to even qualify for a personal loan. To qualify for a lender's lowest interest rate, borrowers typically need a score of at least 800.
