Online Loans - No Credit Check with the Traditional Credit Reporting Bureaus

At LendUp we do not use hard credit inquires to make a decision on your loan application. Instead use a soft credit check to review your overall financial information. There is no negative effect on your traditional credit score when applying for a single-payment loan with LendUp.

With LendUp you get a fast loan application process, clear terms and rates and access to free financial education. In some states we even offer access to the LendUp Ladder. The LendUp Ladder is meant to help proven borrowers can access to larger loan amounts or loans with lower interest rate. Availability varies by state see Lendup Ladder for more details.

What is a hard credit check?

A hard credit check or hard inquiry is performed by financial institutions like lenders or card issuers. The financial institution performs a hard credit check when making a lending decision. This typically occurs when you’re applying for a loan or credit card.

Why do hard credit checks hurt your credit score?

There inquiries are reported to the major credit bureaus Equifax, Experian and TransUnion and can stay on your record for up to two years. According to Credit Karma, “applying for too much credit at one time may indicate that you're desperate for credit or aren't able to qualify for the credit you need” in fact, they recommend “keep[ing] your hard inquiries to one or two a year if you can.”

But remember you have to authorize a hard credit check so pay careful attention when completing loan and credit card applications.

Do your online loans require a hard credit check? No.

At LendUp, we don't use the three big credit bureaus (Equifax, Experian and TransUnion) to make a decision on single payment loans, but we perform a soft credit check to look at financial information.

Remember that good credit is not a requirement for a LendUp Loan. Making an instant loan decision doesn't have to come down to your credit score, but your financial history does play a role in any reputable lending decision. We are also regulated in every state in which we do business, giving you added peace of mind about working with us. Bad credit doesn't necessarily mean you won't be approved for a loan, though, since we use different sources to make the final decision about our loans.

Requirements to Apply for a No Traditional Credit Check Loan

Borrowers have to meet the basic requirements to apply for loans online with LendUp. Make sure that you can meet the following requirements:

  • You must be 18 years old;

  • You must be a resident of a state LendUp serves;

  • You must have an active checking account;

  • You must not be an active member of the military.

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