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If you’ve ever tried to buy a car, a house, or even furniture, you know how important a credit check is. You hand over your social security number and quickly get a yes or a no – or a “we need more time to make a decision.” Which usually means you can expect a piece of paper in the mail in a few days letting you know you didn’t qualify for the loan.

It’s not a great feeling to hear no and it can make you shy away from seeking another loan. But when you have a financial emergency and no other options, it’s good to know there are lenders –like those in our network – who don’t check your credit.

That’s right. They understand that your credit report is not the only way to measure your ability and willingness to pay back a loan. People make mistakes, miss payment and pay late, but it shouldn’t keep them from the cash they need now.

An Alternative to the Credit Check

So what do our lenders look at to see if you deserve to borrow money? It’s pretty straightforward. They want to see that you have a job, a regular paycheck, and an active bank account. If you have those three things, you’re on your way to getting the cash you need.

You do need to show documentation of your income. This could be in the form of a paystub, a W-2 form, or an official tax return. You also have to be 18 or older.

An Alternative to Driving to Different Banks

Also, you can apply from any computer or mobile phone connected to the Internet. Just complete the secure online application – which only takes a minute or two – and your information goes to dozens of no credit check lenders in our lending network.

And it won’t take long to get your loan approvals – and you’ll likely get more than one. This is good for you. It allows you to compare the interest rates and terms from each of the lenders. It also forces them to give you their best offer since they know they are competing with other lenders.

You can also ask questions about anything that isn’t clear. This way you work with the lender that has the best cost and terms, but also the one you feel most comfortable with.

Moving Ahead and Getting Your Cash

After you select the loan that you prefer and commit to the loan, you can get your money as soon as the next business day, many times even the same day. But take all the time you need to make the right decision. Also, get the lender to spell out clearly any terms or fees you’re unsure of.

Make sure you understand the terms of the loan and the payback period. Some lenders expect you to repay the entire loan amount in one payment, while others offer multiple payments, called installments. If you don’t think you can pay back the loan by your next pay period, it’s best to go with installment payments.

Repaying Your Loan

It’s a huge relief when you get the cash you need and take care of that emergency, but you also need to think about the future. Paying back the loan can be the first step you take toward improving your credit. Then, you can find a less costly loan next time around.

Many lenders report the payments to the three credit reporting agencies, Experian, Equifax and Transunion. If you pay on time your credit score goes up. If not, it drops. As you probably know, a low credit score makes it hard to borrow money. The reverse is also true. A high credit score makes it easy to get approved for loans and the loans usually have lower interest rates.

If you pay this loan and your other debts on time, you’ll start to see your credit improve. Over time, you can overcome most negative marks on your credit report if you start making on-time payments and paying loans as agreed.

Check Your Credit Report for Free

You can also check all three of your credit reports for free once every 12 months. Simply go to www.annualcreditreport.com for the details. Review your report carefully and if you see any information that is inaccurate, dispute it.

You can take care of the disputes electronically. Each reporting agency gives you instructions on how its dispute process works. It usually takes about 30 days, but removing these inaccuracies can make a big difference in your credit score.

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