Tell Us About Yourself
Fill out our fast and easy online loan application.
No Credit Check Loans
We understand a low credit score can make it difficult to get an affordable loan, so we don't base our funding decisions exclusively on FICO® credit scores obtained from a hard credit check. TheLending doesn't offer a No Credit Check Loan; instead, we perform a soft credit check, so applying won't negatively impact your FICO® score.2
Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with TheLending.
What is a no credit check loan?
A no-credit-check loan, also referred to as a loan with no credit check, is a type of loan that typically doesn’t require a hard FICO score credit check from the applicant. This can be appealing to potential borrowers who are concerned about having bad credit or a poor credit history.
A no-FICO-credit-check loan may seem like a good fast-cash option, but there are always risks -- particularly if you are unable to fulfill your repayment obligations. Educating yourself is the best way to make the right borrowing decision for you.
How can I get a loan with no credit check?
There are a variety of lenders and financial institutions that provide small-dollar loan options without requiring a look at your credit score. It’s important to research your options before applying for one of these loans, even if it’s an easy, online loan application. Applying for too many loans in a short period of time can still flag you as a risky borrower to lenders, even if they aren’t looking at your FICO score.
Lenders perform credit checks to help make decisions about whether or not potential borrowers are likely to repay their personal loans. While we don’t check your FICO credit score at TheLending, we want to make sure we set you up for success to make on-time monthly payments. Looking at your credit history can help us do that.2
Will TheLending check my credit when I apply for an online loan?
When applying with TheLending, we don’t perform a hard credit inquiry on your credit report. Instead, TheLending uses credit report information provided by Clarity Services and Experian, which does not impact your credit score or appear on your credit report.2 We make lending decisions based on an applicant’s overall creditworthiness and ability to repay.
Ultimately, we want to set our customers up for success in their financial lives. We report loan repayments to the three major credit bureaus, so every borrower has the opportunity to build their credit history.
What does TheLending consider when looking at my credit history?
During the credit review process, we consider multiple factors to assess a borrower’s income, ability to repay, and creditworthiness, including, but not limited to, your:
- Employment status
- Income details
- Bank account
- Financial history
How do loans through TheLending work?
Applying does NOT affect your FICO® credit score!2
Tell Us About Yourself
Fill out our fast and easy online loan application.
Verify Your Income
Securely connect your bank account.
Get a Quick Decision1
We’ll use the information you provide to see if we can find you a match.
Same-Day Funding Available
If approved, you may receive money in your account as soon as the same business day!1
Verify Your Income
Securely connect your bank account.
Get a Quick Decision1
We’ll use the information you provide to see if we can find you a match.
Same-Day Funding Available
If approved, you may receive money in your account as soon as the same business day!1
Still have questions? Get in touch
Email for New Customers
For questions relating to pre-application, application, and refinance:
Email for Existing Customers
For questions about an existing account, including payments:
Learn More About TheLending
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