 TITLE: How to Get a Personal Loan Without a Credit Check CONTENT: Where to Get a Personal Loan With No Credit Check\n-------------------------------------------------\nSome people look for personal loans without a credit check because they have no credit. Others know they likely won't get approved if there's a credit check because they have poor credit. It's an important distinction.\nPersonal loans are often unsecured loans, meaning they don't require collateral. As a result, lenders generally want to review your financial information and credit to make sure you can afford to repay the loan and that you have a history of paying your bills on time.\nLenders that don't require a credit check often make up for this lack of information by charging borrowers high interest rates or fees.\nFor example, payday loans and high-rate installment loans might not require a credit check. Or, if you own a vehicle or valuable property, you may be able to get an auto title loan or pawn loan without a credit check. But these should be last-resort options as their high costs can make them difficult to repay, often resulting in a cycle of reborrowing at astronomical rates.\nHowever, there are increasingly new and better options for people who have no credit score. In these situations, lenders may focus on other information, such as your relationship with the company, employment history and debt-to-income ratio.\n### A Few Lower-Cost Options\nHere are a few options to explore if you want a personal loan without a credit check:\n*   Look into early payday apps to see if you can borrow money based on your income.\n*   Reach out to credit unions to see if you can get a payday alternative loan.\n*   If you have an account at a community bank or small credit union, contact the local loan officer. You may be able to get a personal loan based on your income and account history.\n*   Ask your employer if they offer loans to employees. Some companies have formal policies for employees who've been at the company for at least a few years and need a loan for an emergency expense.\n*   Some online lenders, such as Experian partner Upstart, can use alternative data. You may be asked to connect your bank account, and the lender will analyze your banking history to help determine your eligibility and loan offer.\n*   A loan from a friend or family member could also be an option. However, lending and borrowing money can lead to strained, and sometimes ruined, relationships. If you go that route, make sure to get your agreement in writing and stick to the repayment terms you agree on.\nMany of these options don't require good credit—or any credit at all—but the lender may try to check your credit. In some cases, having no credit may be better than having poor credit. END