Personal Loans With No Credit Check In 2025

When a lender offers a personal loan without a credit check, terms typically aren’t in your favor. Loan amounts are usually small, and you normally must pay back your loan within a few weeks or a few months. 

You could borrow up to $5,000 with lending platform OppLoans, and you might get nine to 18 months to pay it off. The longer your loan term, the lower your monthly payment — you’ll have more time to spread your balance across. 

A longer term can be easier on your monthly budget, but you’ll pay more total interest. And considering OppLoans’ triple-digit rates, you could be looking at a ton if it takes you a long time to pay.

You must meet the following eligibility requirements to get a no-credit-check loan from OppLoans:

• Be at least 18
• Have a checking or savings account
• Receive a regular source of income through direct deposit (Social Security and disability income counts)

OppLoans is not available in Colorado, Connecticut, District of Columbia, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont or West Virginia. 

Possible Finance works a little like a payday loan. Payments are automatically deducted from your linked bank account or debit card, and your due dates are based on when you get paid. 

But unlike a payday loan, you can extend your payments up to 29 days. This can help you avoid overdraft fees or having to roll your loan into a new one. 

Possible Finance charges fees which vary by state and fees can be steep. In Delaware, for instance, Possible Finance charges $25 for each $100 you borrow. If you get a $500 loan, you’ll pay $125 in fees.

To get a personal loan with no credit check from Possible Finance, you’ll need to be at least 18 and have a: 

• Be at least 18
• U.S. phone number and internet access
• Social Security number and valid government-issued ID
• Checking account that is compatible with Plaid
• At least three months of transaction history, recent income deposits and a positive balance

Possible Finance loans are not available if you live in: 

Alaska, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Maine, Maryland, Massachusetts, Montana, New Jersey, New Mexico, New York, North Dakota, Pennsylvania, South Dakota, Vermont or West Virginia.

Chime isn’t a bank. It’s a fintech company that offers bank accounts and credit products through Bancorp Bank and Stride Bank (both FDIC-insured). Chime accounts come with some great features, including MyPay, a paycheck advance service. 

With MyPay, you can borrow up to $500 from your paycheck before you get paid. To unlock this feature, you have to get your paychecks directly deposited into a Chime account, and it’s only available after one or two deposits. Chime uses these to determine how much you get paid, and when. 

Once you’re established, you could get an advance within 24 hours or for an extra $2, instantly. 

To open a Chime account, you must:

• Be at least 18 years old
• Be a  U.S. citizen or permanent resident
• Have a Social Security number

To qualify for Chime MyPay, you must set up an eligible direct deposit into a Chime account. 

MyPay is not available in Colorado, Connecticut, Hawaii, Illinois, Massachusetts, Maryland, Maine, Minnesota, Montana, New Jersey, New Mexico, Nevada, South Dakota, Vermont, Washington, Wisconsin or West Virginia.

EarnIn could be a good choice if you need to borrow from your paycheck but you don’t want to change the bank you use for direct deposit (some do, including Chime). 

It also tends to offer higher loan amounts to new users. Qualified users are able to borrow $85 on average. With responsible use, that amount can go up over time. 

EarnIn is an earned wage access (EWA) company, which means you’re borrowing from your paycheck as you earn it. To do that, it has to verify your employment. If you have a work email, that’s all you need. If you don’t, you have to enable GPS-tracking on the app. 

Only workers who make at least $320 per pay period can use EarnIn. You must also:

• Be a U.S. resident and at least 18 years old
• Have a checking account
• Work at a fixed location or have an employer-provided email address
• Have a valid cell phone number
• Have a consistent pay schedule

Some buy now, pay later apps run a hard credit hit if you want to pay by anything other than Pay in 4. Klarna only runs a soft credit report, no matter the payment plan you choose. 

You can use Klarna at retailers that accept Visa, but you can’t use it to pay utility bills, rent or medical bills. Klarna is probably better if you need help breaking up a retail purchase rather than an emergency loan. 

To use Klarna, you must: 

• Be at least 18 and have a Social Security Number
• Be a resident of the U.S. or a U.S. territory
• Have a valid bank card or bank account
• Have a positive payment history
• Be able to receive texts

You can usually only use BNPL to pay for items and in some cases, services. With Zip, you can pay your car insurance, electric bills, cell phone and internet (depending on your provider). You can also push out your payment due date once per month, per order. This can help you avoid late fees and overdrafts. 

Zip’s pricing is complicated. Most BNPL apps charge some fees, but not usually when you Pay in 4, the most common BNPL payment plan. Zip charges installment fees on every loan. You could also face a staggering origination fee between $0 - $116. 

To use Zip, you must: 

• Be at least 18
• Live in the U.S. and have a valid U.S. residential address
• Have a U.S. credit or debit card (as long as it’s not from Capital One or Chase)
• Have a valid cell phone number