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Apply now for on-the-spot loans
with no credit check barriers
Apply now for on-the-spot loans with no credit check barriers
At Net Pay Advance, access funds swiftly with no credit check hassles. Regardless of your credit history—good, bad, or none—you’re eligible to apply now. We conduct only a soft credit check, ensuring your credit score remains unaffected.
What are no-credit-check loans?
Many lenders talk about “no credit check loans.” What they likely mean is there’s no hard credit check. These lenders might do what’s referred to as a “soft credit check” to confirm your identity. It doesn’t consider your credit, and it doesn’t leave a lasting impact on your credit report. It means even if your credit isn’t perfect, you can still apply with peace of mind.
No hard credit check takeaways
Apply today with no credit requirements
Zero impact on your credit score
Confidently apply for an instant decision
Online loan requirements
At Net Pay Advance, your security is our priority. Therefore, instead of a credit requirement, we consider several key factors to approve your loan application:
Income vertification
State of residence
18+ years old
Not active military
Bank account active for +30 days
Soft credit check, no worries
Soft credit check,
no worries
Traditional loans can be tough on your credit score due to hard credit checks. At Net Pay Advance, we take a different approach. We utilize a soft credit check system, ensuring that your credit remains unaffected when you apply. Say goodbye to worries about credit and hello to financial flexibility.
Hard credit check vs. soft credit check
Hard credit check
- Can affect your credit score
- You must give consent to run a hard credit check
- Visible to others on your credit report for two years
- Commonly used for mortgage applications, auto loans & other traditional financing options
Soft credit check
- Does not impact your credit score
- Ran by a creditor for regular account maintenance or pre-screen
- Inquiry only visible to you & falls off within 30 days
- Commonly used for short-term lenders, insurance providers, employers, ect.
On the spot loans with no hard credit checks are available with Net Pay Advance. We only do soft checks, which won’t affect your credit score. So go ahead, check if you’re eligible for a loan with us, and it won’t hurt your credit at all.
Applying for a loan with less-than-perfect or bad credit
Traditional loans
15.5% of Americans have bad credit. If you’re one of them, getting a loan from traditional lenders can be tough. Borrowers with less than stellar credit may be denied for traditional loans, and may hurt their credit if they apply multiple times. Skip the headache and stick with us, and our 5-star service team. Plus, return customers get a shorter application.
Online payday loans
Traditional loans aren’t always an option, so online payday loans may be your chance to get ahead. We don’t look at your credit score; we check other things, making loans more available for emergency expenses.
