Can I Get a Personal Loan with No Credit History?

How personal loans work

Personal loans cover just about any expense like car repairs or home renovations. They can help you consolidate debt or pay for a car repair, home improvement project, wedding, or even vacation.

If you take out a personal loan, you can receive anywhere from hundreds to thousands of dollars. Then you can pay the loan monthly.

Can I get a personal loan with no credit?

Lenders will usually look at your income and debt ratios before making a decision. Also here at 90 Second Loans our lenders do not do hard credit check pulls and there is no collateral required.

Types of personal loans for borrowers with no credit history

There are several types of personal loans for borrowers with no credit history, including:

Payday loans

Payday loans also known as cash advances are short-term loans, that can hold you over until you get your next paycheck.

Installment loans

With installment loans, you’ll receive a certain amount of money all at once. Then, you’ll pay it back over time in fixed payments.

Title loans

A title loan may be an option if you own your car. Upon approval, you’ll give the lender your title in exchange for a lump sum of cash.

Lines of credit

A line of credit lets you withdraw funds whenever you’d like, up to your set credit limit.

How to get a personal loan with no credit

What do you need to apply for a Personal Loan?

• Must be at least 18 years or older
• USA citizen or legal resident
• Checking/Savings Account
• Monthly source of Income/ Disability
• Working telephone number
• Valid email address

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