"I'm sorry, we can't help you at this time." If you have bad credit, you may be used to hearing these words every time

you attempt to apply for a loan. It's an unfortunate fact that bad credit can prevent you from reaching many

milestones in life, such as home ownership, for example. However, it cannot prevent you from getting needed funds

in the form of a fast no credit check loan.

By its very nature, the no credit check loan ignores poor credit history and mistakes of the past and provides

borrowers with needed funds in a rapid manner. For those interested in utilizing the benefits of a no credit check

loan, this article will shed some light on the details of this lending option and why it may the best option for

borrowers worried about the impact of their bad credit on loan applications.

Meet the Basic Qualifications and Cash Is Guaranteed

Rather than no credit check, many people may also be familiar with the term guaranteed loan. In many ways, that is exactly what a no credit check loan is for you. As

long as you meet a few, basic requirements, the loan that you desire is guaranteed. Those requirements are as

follows:

· 18 years old or more.

· Currently employed with a steady paycheck.

· A citizen or a permanent resident of the U.S.A.

· Current bank account and routing number.

That's all there is to qualifying for a no credit check loan. As the name indicates, your credit score is of little concern

and, in fact, won't even be checked. You need to simply prove to the lender that you are who you say you are and

that you have a sufficient income to support rapid repayment of the loan.

Fast Money for the Short Term

One of the reasons lenders can get away with offering no credit check loans is because of the details entailed in

taking these loans. They are usually only given for relatively small amounts (as low as $100, but up to $1,500) and then they are repaid within a short period (as short as

2 weeks, but up to 6 weeks). Basically, by offering you money in the short term and basing that amount off of

your current paycheck, lenders eliminate the risk that bad credit entails, which is usually poor long term follow-

through or chance of a change in circumstances.

Your no credit check loan may also be called a payday loan or a cash advance loan for this reason. That is because the money that the lender provides you is meant to serve you in advance of your paycheck and then be returned upon

being paid again.

Finding the Right Lender

Once you understand the details of taking a no credit check loan, it is time to search out a lender. Generally,

your best bet is to go online and search for lenders through your favorite web service. You will quickly see

that many lenders offer no credit check loans. However, the deals that they extend will vary greatly according to their general practices. A good way to weed through all these lenders is to use an independent ratings service,

such as the Better Business Bureau or financial websites with user reviews. Choose at least three of the best rated agencies and get a quote from each. Then, compare their

offers side-by-side to find the one that's best for you.

Fast Money, Even with Research

Because no credit check loans are processed so quickly, determining your eligibility and receiving quotes from

several lenders should take no time at all. Since your bad credit score is not an issue, lenders will put together an

offer in a matter of hours or even minutes which will allow you to complete the whole process of researching and receiving a fast no credit check loan in under 24 hours.

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