Home » Lån Uten Kredittsjekk – Loans with No Credit Check

Lån Uten Kredittsjekk – Loans with No Credit Check

No Credit Check Loans

Many people have bad credit and still need loans, so they seek out loans with no credit checks. These types of loans typically have a higher interest rate and require some sort of collateral to loan you the money. Sometimes this can be your car title and other times it is just your next payday check. 

You will want to find a reputable lender for your loan, and with this type of loan that is often hard to find. You can look for lån uten kredittsjekk or loans with no credit check online and in brick-and-mortar stores. You will have to do your research to find a reputable lender, so check online reviews and the Better Business Bureau.

You will want to be careful with these types of loans because irreputable lenders know that you are desperate for a loan and can take advantage of you. You will already expect a higher interest rate, but some interest rates are higher than you expect. Some of these irreputable lenders will also call you repeatedly if you are just a day late with your payments and threaten to take your car from you or garnish your wages. 

How to Get a No Credit Check Loan

  1. Find a Reputable Lender That Offers No Credit Check

There are many reputable lenders that offer no credit check, but the most popular seem to be Integra, 60MonthLoans, and OppLoans. They also seem to be the most reputable, but you still need to be careful, the interest rates will still be very high. And continue to do your research because even the most popular lenders can have issues. 

  1. Get Pre-Qualified

Getting pre-qualified for your no credit check loan will not cause any hard inquiries for your credit. If you check to see if you are pre-qualified, you can check around to see interest rates and payback times. You can choose a lender that better fits your needs if you do this. You can rule out the lenders that you think are too high or have too short a payback period.

  1. Compare Terms

Make sure that you check the APRs, other fees, payoff periods, and dollar amounts before you sign papers. Again, compare these numbers with other lenders to get your best deal: https://www.consumerfinance.gov/ask-cfpb/what-are-the-costs-and-fees-for-a-payday-loan-en-1589/. You will want to make sure that you choose the most reputable lenders to compare.

  1. Send in Your Application

Once you have done your research and compared the lenders, it is time to send in your application. If you are doing this online, be sure to fill out all the paperwork and try to be as thorough as possible. You do not want to be turned down because you did not fill out the paperwork correctly. 

If you are doing this in person, you still need to be thorough, but the lender will probably be there to help you with your mistakes. Either way, make sure that you fill out the paperwork completely and honestly.

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  1. Wait for the Decision

Usually, you will get your decision right away, but sometimes it will take longer, up to a few days. Wait patiently for the decision and respond to it once you get it. You can choose to accept the loan or deny it.

  1. Get the Money

Once you are approved, you just need to wait for the money. Sometimes you will get the money instantly, other times you will have to wait a few days for the money. Either way, you should soon have the money that you needed and can take care of any issues you had. 

  1. Pay Back the Loan

Do not forget that once you have the loan, you will need to repay it. This could be at your next paycheck, or you might have monthly payments. Either way, pay back the loan so that you can get another when you need it. If you do not pay it back, you risk losing your car or having your paycheck garnished. 

Other Ways to Get No Credit Check Loans

Pawn Shop – If you have something valuable, such as tools, televisions, or gaming systems, you can take it to a pawn shop and get a loan with it. The good news is that they will not check your credit, the bad news is that you will only get 25% to 60% of the value of the item that you pawn. You will be given an amount of time in which to pay the loan off. If you do not, you will lose the item that you pawned. 

Payday Loan – A payday loan is one that you promise to pay back on your next paycheck. Usually, these loans are smaller, up to $1,000, and they need to be paid back the next time you get paid. This could be weekly, bi-weekly, or monthly, but they need to be paid back. If you do not pay them back, your paycheck can be garnished. 

Payday loans can create a non-ending circle of debt. Once you pay off the loan, you may need to reapply because you are short on your next paycheck. This can continue this way forever, so do a payday loan as a last resort. 

Auto Title Loans – With this type of loan, you are offering your car’s title as collateral for the loan. You can get a percentage of what your car is worth, up to about 50% of your car’s worth. Each payday, you will be expected to pay back 25% of your loan with very high interest rates. You need to be careful with these loans, as well, because you can lose your car if you do not pay back the loan on time. 

Sometimes the lender will rollover what you owe one month onto the next month’s bill, but then you will be expected to pay twice as much and have added interest fees. Just make sure that you pay each month, and you will not have to worry about that.


There are many types of no credit check loans, but some of these are scams, so you need to be careful. You will need to find a reputable lender to do business with. Make sure that you are not asked to pay fees up front and make sure that you are not signing papers that you have not read. These are signs that your lender is a scam, and you will be out money that you desperately need. 

There are reputable lenders that will loan you money, but even they will take advantage of you. The difference is that you will know about it, and you will sign papers to allow it. You will pay higher interest fees and have shorter times to pay them off.