You can borrow $4,000 with no credit check from Opploans, NetCredit or Oportun, 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 $4,000 With No Credit Check
- Opploans: Loans of $500 - $4,000 available
- NetCredit: Loans of $1,000 - $10,000 available
- Oportun: Loans of $300 - $10,000 available
These lenders offer the best loans of $4,000 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 $4,000 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.
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