No Credit Check Loans — Your Past Doesn't Define Your Future
Bad credit? No credit? Past bankruptcy? It doesn’t matter. We approve loans based on your income and ability to repay — not a number on a report. Get $300 to $3,000 without anyone checking your credit score.
- No credit inquiry
- Won't affect your score
- Income-based approval
- Funds in 1 hour
Why We Don't Check Your Credit
Your credit score is just a snapshot of your past. It doesn’t tell us who you are today. Maybe you went through a rough patch — a job loss, medical emergency, divorce. Life happens. That shouldn’t prevent you from getting help when you need it.
We believe in second chances. Our approval is based on your current situation: Do you have steady income? Can you afford the payments? That’s what matters to us.
The result? A high approval rate for applicants who meet our basic requirements. No judgment. No embarrassing credit pulls. Just fast cash when you need it most.
Traditional Banks vs. Us
Credit Check
Required
None
Approval Time
Days
Minutes
Bad Credit OK
No
Yes
Documents
Many
None
Funding
Weeks
1 Hour
Benefits of No Credit Check Loans
When traditional lenders say no, we say yes. Here’s why thousands of Canadians choose us.
No Credit Inquiry
We never pull your credit report. Your application won't show up on your credit file or affect your score in any way.
Past Doesn't Matter
Bankruptcy, collections, missed payments — we don't care. We look at your current income, not your history.
High Approval Rate
If you have steady income and meet basic requirements, you're almost guaranteed to be approved.
Instant Decision
No waiting days for an answer. Know if you're approved within minutes of applying.
Complete Privacy
Your financial situation stays between us. We never share your information with third parties.
Build Trust With Us
Repay on time and qualify for larger loans in the future. Start building a positive history.
How No Credit Check Loans Work
Four simple steps to get cash without affecting your credit score.
Apply Online
Fill out our simple form in 2 minutes. Basic info only.
We Review Income
We verify your income — not your credit score.
Get Approved
Instant decision. High approval rate.
Receive Funds
Money in your account within 1 hour via E-Transfer.
No Credit Check Loans FAQ
Common questions about loans without credit verification.
Will this loan appear on my credit report?
No. We don’t perform credit checks, and we don’t report to credit bureaus. Your loan with us stays completely private and won’t affect your credit score in any way.
How do you approve without checking credit?
We approve based on your current income and ability to repay. If you have steady employment or regular income (including benefits), you likely qualify. We believe your present situation matters more than your past.
Can I get approved with a bankruptcy on my record?
Yes. Since we don’t check your credit history, past bankruptcies, consumer proposals, or collections don’t affect your application. What matters is your current income.
What if I have no credit history at all?
No problem! Many of our customers are newcomers to Canada or young adults building their first credit. Since we don’t use credit scores, having no history isn’t a barrier.
Are the interest rates higher without a credit check?
Our rates are competitive at 18% APR regardless of your credit situation. We don’t penalize you for having bad credit or no credit — everyone gets the same fair rate.