Michigan social group

Slick Cash Loan does not advertise any credit check loans to meet urgent and unforeseen financing needs.

Slick Cash Loan, the first online loan company known for its innovative loan products, has announced another option for borrowers. The No Credit Check Loan offers an easy way to get that extra financial support for those who need money urgently but are unable to raise the funds they need through conventional lending resources.

“We are pleased to offer our clients another innovative and easy-to-use loan service that can put money in their wallets faster than ever before,” said Slick Cash Loan spokesperson. “The Slick Cash Loan is an easy way to meet your emergency expenses. You can apply online and get a quick response with the money in your bank in the shortest possible time.

No credit check loan from a smooth cash loan offer a more convenient way to meet urgent financial obligations because this type of loan does not require a credit check. Slick Cask lenders will not review the applicant’s financial history, but will use other criteria to determine their eligibility.

No credit check loan includes payday loans and personal installment loans.

Payday loans are approved within minutes of application in most cases. The repayment is tied to the borrower’s check. Payday loans have a short repayment term of around two weeks. The downside of a payday loan is its high interest rate.

Personal installment loans are considered a safer option than payday loans because they are available at a favorable interest rate. The biggest advantage of this type of loan is that borrowers don’t have to pay it all at once. They can repay the loan amount in installments without having to stretch their budget.

No credit check loan is processed faster because a credit check is a time consuming practice and can slow down the loan verification process considerably. The Loan No Credit Check By Slick Cash Loan follows a very smart and intuitive process and guarantees fast approval for those who are eligible for this type of loan.

Borrowers looking for quick cash can get approved for loans up to $ 5,000 using the no credit check loan method. They can get the money they need in their account the very next day.

According to the Slick Cash Loan, a US resident over the age of 18 with a permanent address in the US cannot qualify for any credit check loans if they have verifiable contact information, a cell phone number, and his own bank account. They must also be employed and have a stable source of income.

About Slick Cash Loan:

Slick Cash Loan is the best resource for finding the right solution for fast and reliable loans. Loan experts can help borrowers find the best lenders and ensure quick and easy access to money when needed. Slick Cash Loan has a large network of partners across the United States. The company is distinguished by its easy approval and rapid financing of loans of all types.

Media contact
Company Name: Slick cash loan
Contact person: Snow brand
E-mail: Send an email
Call: (888) 200-7445
Address:1125 Broadway Street # 545
City: Glendale
State: California
The country: United States
Website: https://slickcashloan.com/

One factor that matters most in determining what type of credit card you can get approved for is your credit score. For example, to get approved for the popular Chase Sapphire Preferred® card, you will need a good to excellent credit score, ranging from 670 to 850.

But what if you have a credit score in the “very bad” range of 300 to 579 on the FICO scale? Or if you don’t have a credit history, for example if you just moved to the United States?

You still have options, but they aren’t as many as you would have with a higher score.

If your credit score falls into this category, or if you don’t have a credit history, it might be worth looking into some credit cards whose issuers don’t perform credit checks. Instead, they will only allow you to borrow up to a limit equivalent to the money you deposited with the issuer, or will be linked to your bank account to withdraw funds directly.

To help you choose, we’ve rounded up some of the best cards on the market that don’t need a credit check when you apply.

What does a credit check reveal?

When an issuer or lender checks your credit report, it reveals a few things about you, including your name; current and previous address; your employer, if you have provided it to creditors or lenders; revolving accounts such as credit cards and lines of credit; installment loans such as student loans or a mortgage payment; open and closed accounts; account payment history; recent credit and loan applications; all unpaid debts; and any bankruptcy, repossession or seizure.

Your credit score is different from your credit report, but it is affected by factors that appear on your credit report, such as your payment history. Overall, your score depends on a bunch of factors, for example, how much available credit you’re using and how long you’ve had credit for.

What if you have bad credit or no credit?

Building credit and having a strong credit rating is a key financial strategy as it will unlock many financial milestones such as having a credit card, applying for a car loan, or getting a mortgage.

If you don’t have good credit, or no credit at all, you’ll probably have a harder time applying for mid-level and premium credit cards, which will give you rewards like cash back or points that you earn. will be able to exchange for travel.

To improve or build your credit score, you must first pay all loan bills on time and if possible in full each month, as payment history represents 35% of your FICO credit score. Late payments show up on your credit report after 30 days and stay there for seven years.

We also recommend that you do not use all the credit you have available. The amount you use is known as the credit utilization ratio, or the ratio of your outstanding balances to the available limit.

Plus, since the length of your credit history affects your overall credit score, it’s a good idea to keep old accounts open and active. If you’re a good customer, you can always call your card issuer and ask for better terms, such as lower interest rates or higher credit card limits. If you have a card with an annual fee that you want to cancel because it no longer serves your financial goals or provides enough value to offset the fees, consider upgrading to a no-fee card instead to preserve your account and l history that goes with that.

Best credit cards without a credit check

If your credit score is below average – or if you don’t have one at all – and you’re looking to get approved for a credit card without a credit check, these cards will be your best bet.

OpenSky® Secured Visa® Credit Card

With the OpenSky Secure Visa Credit Card, you can set your credit limit, ranging from $ 200 to $ 3,000. The issuer will report your payments to the three major credit bureaus — Equifax®, Experian®, and TransUnion® — which will help you build your credit, and you will need to make a $ 200 security deposit.

If you want to get the deposit back after establishing better credit and a higher credit score, you will need to close your account. The card charges a variable APR rate of 17.39% and an annual fee of $ 35.

GO2bank secure credit card

the GO2bank credit card has no annual fee, and you can set your credit limit by making an initial, refundable security deposit of at least $ 100, which will also be set as your credit limit.

You can also get a free monthly credit score from VantageScore® powered by Equifax® so you can regularly check your progress towards improving your credit score. GO2bank will also report your creditworthiness to the three major bureaus on a monthly basis. The card charges an APR rate of 22.99% on unpaid balances in full.

Applied Bank® Secured Visa® Gold Preferred® credit card

Once approved for Applied Bank Secured Visa Gold Preferred Card, you can deposit any amount of money between $ 200 and $ 1,000 to serve as a line of credit. In addition, you will have access to Applied Advantage® Program, where you can get discounts from retailers like Macy’s, JCPenney, and Kohl’s.

The card has an annual fee of $ 48 and a relatively low fixed APR rate of just 9.99%. He also does a monthly report to the three credit bureaus.

Tomo Card

Unlike most of the other cards on this list, the Tomo Card is unique in that it does not require a security deposit, has no annual fee, or has no APR rate. He also earns 1% cash back on all purchases. You can redeem your points via the account dashboard 28 days after full payment of the previous month’s statement.

Tomo will examine your bank account to determine your credit limit, which will range from $ 100 to $ 10,000. It reports to the three major credit bureaus and your account is set to automatically pay every week so you can’t carry a balance, which you’ll then have to pay interest on.

Many people sometimes need to access part of their salary earlier. If you’re trying to get a short-term cash advance, your options are few and far between. Showcase payday loans promise to help you bridge the financial gap between now and your next payday, but they’re so expensive that they usually make your personal finance problems worse.

You can set up a payday advance app right now and be ready for your next shortfall. The best part is that a payday advance app can provide you with a cash advance for free or at low cost.

7 free and low cost cash advance apps

1. Boro

Characteristics

You can access a loan of up to $ 2,000 at an interest rate that depends on your credit score. The repayment must be complete within 12 months. You don’t need to have set up a direct deposit or a job. But you will be responsible for the monthly payments.

Cost

Membership is free. Interest rates are based on your creditworthiness. If you pay off your loan within a month, it is interest free.

Who can use it

Boro is for students. You must be at least 18 years old and enrolled in an American college or university. Recent graduates can also qualify. Boro loans (called BoroCash) are only available in about half of the country. You will need to check the website to see if there are any loans available in your state.

Other features to know

Paying off your loan will help you build up credit. Payments are automatically deducted from your linked checking account.

2. Brigitte

Characteristics

Get a free cash advance of up to $ 250. No credit check is required. The first time you take a cash advance, it will automatically be deducted from your next paycheck, or you can request an extension of the due date once. As you use the app, you will benefit from further payment due date extensions (up to three).

Cost

Brigit is free but not instant. For same day cash advance, you need a premium membership for $ 9.99 per month. With this option, Brigit automatically funds your checking account to avoid potential overdrafts and allows more time for loan repayment, among other benefits.

Who can use it

You must have an active bank account with a recurring direct deposit to be eligible for Brigit Instant Cash.

There is no minimum credit score requirement and the use of Brigit does not affect your credit. However, Brigit may limit or deny services if:

• Your bank account is new (opened within the last 60 days).
• You have an overdraft history on your account.
• You haven’t received at least three direct deposits from your primary source of income.

Other details to know

Brigit provides free updates on financial health, as well as information on additional income opportunities.

3. Chime

Characteristics

If you have direct deposit, Chime releases your pay the same day your employer deposits it. Most banks hold the funds for 1 to 3 days. It’s not quite an emergency loan, but it speeds up access to the money you’ve already earned.

Cost

Free. There are no monthly maintenance fees, no overdraft fees on your account and no fees to use the 38,000 ATMs in its network.

Who can use it

Anyone can apply to join Chime. You will need to provide your social security number, cell phone number, and address. You may need to provide a copy of your ID. Chime says opening an account will not affect your credit score. Some features, like free overdraft protection, require a minimum direct deposit amount each month.

Other details to know

• Chime is an app that partners with an FDIC insured bank to help you manage your money.
• You will earn more with Chime High Yield Savings than at most banks.
• Chime offers a secured credit card by a credit builder with no credit check required. The card has no annual fee, no maintenance fee, and does not charge interest (as the account is pre-funded by you like a prepaid debit card).
• Automatic savings are streamlined at Chime. Like most banks, Chime allows you to set aside a portion of each paycheck. Chime also allows you to round off each debit card purchase and put that currency into your savings account.
• Overdraft protection is capped at $ 20 initially, but increases to $ 200 for members with a positive account history.

4. David

Characteristics

You can get a cash advance of up to $ 200 when Dave advises you that you are at risk of overdrafting. No credit check required. If you have a direct deposit, Dave gives you the money as soon as your employer transfers it.

Cost

A Dave subscription costs $ 1 per month. There is no minimum balance requirement for a Dave checking account. Qualified members can pay additional fees to get up to $ 100 in cash above the regular limit. Tips are accepted, but optional.

Who can use it

Anyone can join Dave. You will need to provide credentials and connect your bank account. You may be asked for proof of address or a copy of your identity document.

Other details to know

Dave offers a free rent report service to help you build credit and information on how to make more money. In addition, you can access your account through 32,000 toll-free ATMs.

5. Win

Characteristics

Get cash advances of up to $ 100 per day and $ 500 per pay period. No credit check required. The repayment date is your next pay day, unless you request a different due date at least two business days before that date.

Cost

Free, but Earnin accepts tips up to $ 14 per $ 100 withdrawal transaction. Tips are optional, but Earnin says they support the app financially.

Who can use it

Anyone with a job, bank account and direct deposit. You will first need to set up your Earnin account by downloading the app, entering your information, and connecting your bank account.

Other details to know

Earnin is an app that partners with an FDIC insured bank to help you manage your money. Earnin offers other features besides the cash advance product, including a savings tool, financial information, and low balance alert. If enabled, the low balance tool will automatically transfer an advance of $ 100 to your bank account when your balance falls below that amount (to help you avoid overdrafts).

6. Empower

Characteristics

You can get an instant cash advance of up to $ 250 anytime during your pay cycle. No credit check is required.

Cost

Empower membership is $ 8 per month after a 14 day free trial period. Instant cash advances require an Empower checking account; if you want the money to be transferred to an external bank account, you may need to pay a $ 3 fee and it will not arrive in your account the same day you request it.

Who can use it

To be eligible for the free cash advance, you must have an account established with Empower and a minimum of direct deposits. To join, Empower will need your address, phone number and social security number. You may need to provide a copy of your ID and proof of your current address.

Other details to know

• Empower is an app that partners with an FDIC insured bank to help you manage your money.
• You can take advantage of an automatic savings plan that sets aside small amounts of money each week.
• You will have free access to 37,000 ATMs.
• If you have a direct deposit, Empower usually gives you the money the same day your employer deposits it. In many other banks it takes 1-3 days.
• You can earn up to 10% cash back on debit card purchases.
• Set your own spending limit to help you manage your money.

7. Silver lion

Characteristics

You can get a free cash advance of up to $ 250. No credit check is required. If you transfer your direct deposits to a MoneyLion account (called RoarMoney) or take out a MoneyLion credit builder loan, you can potentially access up to $ 300.

Cost

Free, but cash advances take anywhere from 12 hours to 5 business days, depending on the type of checking account you have linked. If you want the cash instantly, you will have to pay a fee of $ 3.99 to $ 4.99 for each cash advance.

Who can use it

You will need to have already linked your checking account and verified your identity to qualify for the free cash advance. Your cash advance limit will depend on the level and consistency of your direct deposits. Limits start at $ 25. In addition, your checking account must be established (at least two months) and active (regularly used).

Other details to know

• Credit Builder Plus is a low interest rate loan that helps you build a 12 month payment history so you can build credit and save money. The loan amount can go up to $ 1,000, but you will not have access to all of these funds immediately. You will receive some of it and the rest is held in a reserve account and released as you make payments. The program fee is $ 19.99 per month and interest is charged on the loan.
• Members who open a RoarMoney checking account can earn money on debit card purchases. Cash back is automatically invested in a managed wallet account where you can access it or let it grow.

Emergency loans

If you need the cash right now and haven’t set up any of these apps yet, you may still have options. If you have a credit card, you may be eligible for a credit card cash advance. Members of some credit unions can get a low cost alternative loan (PAL). Homeowners and tenants can even qualify for a Small Business Association (SBA) disaster loan under certain circumstances. See our article on emergency loans to learn more.

If what you want is a payday always earlier, here are a few apps besides Chime that help you get your direct deposit faster (but might not offer payday loans or cash advances):

• Axos Bank
• Go2Bank
• SoFi Money
• Varo (Varo also offers free cash advances of up to $ 20 to eligible members, and larger cash advances for a fee.)
• Wealthfront Cash Account

Then, submit a request. You will likely need to verify your identity, address, and possibly your employment. If you plan to use collateral to secure a loan (such as a car), you will need to take a few additional steps. See our guide to getting a secured loan for more information on this process.

To finish, make a plan to repay the loan. It can be difficult. If you’re having trouble, talk to a trusted community leader, friend or family member. Some banks offer free financial advice to their customers.

Don’t feel embarrassed to ask for help if you need it. Almost everyone has needed help juggling their finances, making things work when money is tight, and paying off debt. You’re not alone.

What’s the easiest loan to get with bad credit?

If you have bad credit, don’t look for a no credit check to lend. Rather, look for bad credit ready. These loans are cheaper than loans without credit check, and you can qualify for a loan with a low credit score. In fact, you can even qualify for some bad loans if you have no credit!

Where can you find these lenders? Start with our list of the best bad credit loans. There you will find reputable lenders who charge lower interest rates than many competitors.

If your credit is too low to qualify for a bad credit loan, you can choose from different loan options. All of the following are more expensive than bad loans, but they don’t require a credit check:

OpenSky does not require a credit check when you apply for the OpenSky® Secured Visa® credit card, which means you can get approved and start rebuilding your credit, regardless of your current credit score or history. In exchange, you’ll pay an annual fee of $ 35 and need to secure your line of credit with a cash deposit.

In one look

• No credit check required
• Reports to the three credit bureaus
• Refundable security deposit (minimum $ 200, up to $ 3,000) required
• $ 35 annual fee
• 17.39% variable APR

Additional card details

This card is above all a credit building tool. It does not offer any rewards or benefits beyond access to credit for people with bad or no credit history.

The main benefit of OpenSky Secured Visa is the ability to get approved and start building credit without a credit check, which can be a major barrier to accessing credit for people with less than credit. stellar – even among other bad or secure credit cards. credit card.

OpenSky offers a few additional tools to help you on your credit building journey, including a mobile app where you can track your payments and credit card bill, and a dedicated Facebook group with other OpenSky cardholders. you can reach for help while you are working. towards your financial goals.

Should you get this card?

Since the OpenSky Secured Visa credit card does not require applicants to undergo a credit check, it is a solid option to consider if you have a very low credit rating, have recently filed for bankruptcy, or are you do not have a checking account (in this case you can request and submit your security deposit by money order or Western Union).

Many issuers may deny your application if you have filed for bankruptcy or encountered other financial problems, even if you are willing to deposit money as collateral in a secure card account.

While a credit check is not required for approval, that does not mean approval is guaranteed. In addition to submitting a deposit, here are some criteria you must meet to Eligibility for OpenSky:

• You must be a U.S. citizen at least 18 years of age with a valid Social Security number or Individual Tax Identification Number (TIN).
• You should have more monthly income than your monthly expenses.
• You cannot have applied for a Capital Bank credit card four or more times in the past 60 days or have at least two credit card accounts open with Capital Bank, and any current or previous accounts with Capital Bank must be in good standing. (Capital Bank is the bank that owns OpenSky)

A big downside to this card is its annual fee. Not only will you be required to submit at least $ 200 as a refundable security deposit, but you will be paying $ 35 each year you own the card. Other secure cards, such as the Discover it® Secured Credit Card or Capital One Secured Mastercard® Credit Card, charge no annual fees and the same minimum (or lower) deposit.

Before applying, consider other cards you may qualify for that offer more benefits or credit building tools than this card. For example, some secure card issuers will automatically review your account after a certain period of time to determine if you are eligible to upgrade to an unsecured card or increase your credit limit.

How to use the OpenSky secure Visa credit card

Since the OpenSky Secured Visa credit card is primarily used to create credit, you should make sure that you use it responsibly and wisely.

Charge only what you can afford to pay, and pay your credit card bill earlier or on time each month to ensure that the information reported to all three credit bureaus has a positive impact on your score. If you don’t pay in full and on time, not only will it negatively affect your credit score, but you will end up paying a lot more over time thanks to this card’s high variable APR.

With a low credit limit, you’ll also need to be careful about your reported credit usage or how much balance you owe against your credit limit. This is the second factor with the most impact on your credit score after payment history. Experts recommend keeping your usage rate at least below 30% for the best credit score results.

If you deposit $ 200 when opening the account, that means you will need to keep your balance below $ 60 each month to maintain a healthy ratio. OpenSky allows you to deposit up to $ 3,000, so you can increase your limit if you have the money to fund it.

While it may take some time, the goal of using a card like the OpenSky Secure Visa Credit Card should be to build your credit score enough that you can switch to an unsecured credit card. Since the issuer does not offer automatic account reviews to determine if you are eligible to upgrade to an unsecured card option, you will need to monitor your credit progress yourself. And when you’re ready to upgrade, you can get your deposit back by closing the account in good standing, with your balance paid in full.

Secure OpenSky Visa credit card compared to other cards

Final result

If you are looking to rebuild your credit or have no credit history, you can get started without a credit check with the OpenSky Secured Visa credit card. Regular reports to the credit bureaus can help you establish a positive payment history as long as you pay in full and on time, but you’ll need to pay an annual fee of $ 35 and a minimum security deposit of $ 200 to get started.

But before you apply, consider other secure credit cards that might better meet your credit needs, including no annual fees, no rewards, and easier routes to an unsecured card.

Frequently Asked Questions

Our goal is to give you the tools and the confidence you need to improve your finances. While we do receive compensation from our partner lenders, whom we will always identify, all opinions are ours. Credible Operations, Inc. NMLS # 1681276, is referred to herein as “Credible”.

A student loan can be a great tool to pay for an undergraduate degree or graduate program, it can also be accompanied by a credit check. But there are also no student loans for credit checks.

Here’s a look at student loans that require a credit check (and other options if your credit is less than stellar):

The only loans available without a credit check are federal loans

Federal student loans are the only student loans that do not come with a credit check. These loans are guaranteed by the US government and you can apply for them by completing the Free Application for Federal Student Assistance (FAFSA).

Here are the types of federal student loans that do not require a credit check:

• Subsidized direct loans: Subsidized loans are available to undergraduate students with financial need. With these loans, the government covers the interest charges while you are in school. After you graduate, interest rates are kept low by the government.
• Direct unsubsidized loans: Unsubsidized loans are available for undergraduate and graduate students, and they do not take into account financial need. Unlike subsidized loans, non-subsidized loans immediately begin to earn interest. But they can still be a great deal if you have to borrow for school.

Federal subsidized and unsubsidized loans do not require a credit check. Instead, your school’s financial aid office will offer you financial aid based on your FAFSA results.

While you don’t need a credit score to qualify for most federal student loans, there are other important requirements to know. Here’s what you need to be eligible for federal student loans:

• A valid social security number
• Selective service registration (male students aged 18 to 25)
• Eligible citizenship or legal resident status
• High school diploma, GED or equivalent
• Enrollment in an eligible college, university or trades program
• FAFSA signed and completed
• Satisfactory academic progress (meets school GPA requirements)
• In good standing with existing loans

PLUS loans are another type of federal loan available to graduate students and parents. Unlike subsidized and unsubsidized loans, PLUS loans require a credit check. Keep in mind that if you have excellent credit, PLUS loans could be more expensive than private student loans.

Finally, don’t forget to look at free financial aids, such as scholarships and college grants. Unlike student loans, you don’t have to repay this type of assistance.

Learn more: 7 of the best student loans for bad credit

Most private student loan lenders require a credit check

Although most federal student loans do not require a credit check, private student lenders will examine your credit before issuing a new loan. Here’s a quick overview of how your credit is used to approve a private student loan:

• Get your loan rate: You can usually check your rate by filling out a short form that allows the lender to quickly examine your credit, along with other factors. This usually involves a smooth credit check, which won’t impact your credit score.
• Full subscription: If you like the rate and terms that you get by completing the short application, you can submit a full application. The lender will then examine your credit, income, and repayment capacity to make a final decision.

It’s a good idea to consider as many lenders as possible to find the right loan for you. With Credible, you can easily check your rates with multiple lenders by filling out just one form. Plus, there is no credit check when checking rates, which means your credit score won’t be affected. Once you have decided to go ahead with a lender and apply for credit, the lender will perform a thorough credit check and this will impact your credit score.

Check your rates

Have Bad Credit or No Credit? It’s time to have a co-signer

If federal loans, grants, and scholarships aren’t enough to fully cover your education costs, private loans could help close the gap. Even if you have bad or no credit, you may still be eligible for a private student loan with a creditworthy co-signer.

Whatever you decide, be sure to compare as many private student lenders as possible in order to get the right loan for your situation. You can view your rates from multiple lenders in as little as three minutes using Credible, including co-signer and non-co-signer loans.

Residence ” All ” Student loans ” How to get a student loan without a credit check