You can borrow $3,500 with no credit check from Opploans, Oportun or NetCredit, among other lenders. None of these loan providers use applicants' credit history as a condition for approval, though it's important to note that approval is still not guaranteed.
Lenders will look at things like your income and employment status to determine your ability to pay. The more money you need to borrow and the less money you earn, the slimmer your options for no credit check loans become.
Best Places to Borrow $3,500 With No Credit Check
- Opploans: Loans of $500 - $4,000 available
- Oportun: Loans of $300 - $10,000 available
- NetCredit: Loans of $1,000 - $10,000 available
These lenders offer the best loans of $3,500 with no credit check because they don't require collateral and they have rates that are relatively low compared to those of predatory payday lenders. They're not the only places to borrow without having your credit pulled, though.
Other Places to Get a $3,500 Loan With No Credit Check
Friends and family: There's no limit on the amount you can borrow from friends and family, as long as they're willing to lend it. Just be sure to have a solid repayment plan so you don't ruin your relationship.
Pawnshops: Pawnshops typically offer 25% - 60% of an item's value, and they hold onto that item while you repay the money with interest. The interest is expensive, though, and if you don't pay on time the pawnshop will sell the item rather than return it to you.
Auto title lenders: You can get a loan of around 25% to 50% of the value of your car, to be repaid in 15 to 30 days. But if you can’t pay it back – with interest as high as 25% of what you borrow – you could lose your car.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.