All seven lenders reviewed here share a commitment to work with consumers of all stripes, including those with bad or thin credit, and those who don’t own a credit card or have never applied for a credit card.
Yes, if the loan is a payday loan. The reason that payday loans are so expensive is that the lenders assume you have bad credit or no credit at all. You are, by definition, a risky borrower.
However, by pledging payment from your next paycheck, payday lenders are willing to overlook your credit and forego a hard check.
As already mentioned, the reviewed lending services do not perform hard credit checks, although they may perform soft pulls. A soft credit check will not harm your credit score, but a hard check can reduce your score by five to 10 points for up to a year. Continuer la lecture de « Can I Get a Short-Term Emergency Loan Without a Credit Check? »