Looking for personal loans no credit check

‘Personal loans no credit check’ is a commonly searched phrase on Google. Do they exist and, more importantly, are they going to do any harm? Let Pocket Cash fill you in. 

When you need to get your hands on some extra funds but have a bad or non-existent credit record, it can seem like you’re never going to get the help you need. It feels like all the banks are demanding a perfect credit score for you to be approved. It can feel pretty disheartening. We know that. But what if it didn’t have to be as hard as it seems?

Pocket Cash is here to tell you that there are lenders out there who may be able to help you, even if you don’t have the perfect credit score. What’s more, they may be able to do it responsibly without skipping any vital steps like a credit check. Want to find out more? Take a look here!

Do lenders do a credit check? 

Pocket Cash is a lender finding service that specialises in finding lenders for people who are looking for personal loans no credit check, car loans and more. We’re a specialised company that knows just how difficult finance can sometimes be. That’s why we’re out here with the goal of making it as easy as possible for you. We believe that everyone deserves the chance to apply for personal loans or finance that they need.

What does Pocket Cash do?

We’re experts at finding you the right lender for your personal situation as we have access to a huge selection of lenders. No matter what your personal situation is, we may be able to find you a lender willing to look past your less than perfect credit score. Our goal is to make it easy for you. 

Rather than submitting countless applications to multiple different lenders, we’ve made the whole process quick and simple. Simply submit one application with Pocket Cash and we’ll do all the hard work of finding the right lender for you. That’s right. We’ll use the details that you provide us and show them to a number of different lenders to give you the best chance of approval.

What can personal loans no credit check be used for?

Pocket cash can find lenders who provide personal loans that can be used for a variety of reasons. The beauty of personal loans is that they’re incredibly versatile and can be personalised to your situation. Don’t believe us? Take a look here at just a few of the reasons you can use your personal loan for:

Who can apply?

We want to make our service as accessible as possible to as many Australians who need it. With this in mind, our application criteria is quite simple. If you can meet the following criteria, then you are eligible to apply with Pocket Cash. You must:

• Be at least 18 years old;
• Be an Australian citizen or permanent resident;
• Have been receiving a regular income into a personal bank account for at least the last 90 days;
• Be able to provide a personal mobile number and email address.

As you can see, the eligibility requirements for personal loans no credit check is nice and simple. 

How do I submit an application?

Pocket Cash’s online lender finding service couldn’t be easier to apply for. If you’re looking for easy online loans you’ll need to follow these simple steps:

Step 1: Apply online

To begin your application, scroll up to the top of this page. Using the loan slider, select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’

Step 2: Fill out the application form 

Next, you’ll be taken to our 100% online application form. Here you’ll be required to provide some basic personal and financial information. This step should only take you a few minutes to complete. It’s also important you answer each question honestly and thoroughly. Once you’re finished, hit ‘Submit.’

Step 3: We’ll search for a lender

Once we’ve received your application, we’ll begin our search for a lender. We will show your application to various different lenders to give you the best chance of approval. If we’ve been able to match you with a suitable lender, we will put you in touch with them straight away. 

Step 4: Get assessed

Once you’ve been matched with a lender, your application will get a proper assessment. This will most likely include a credit check. If you’re approved for a loan, then your lender will send a loan contract for you to review and sign. We encourage you to carefully read through the terms of your loan so you aren’t sprung with any unexpected fees. Once you’re happy, sign your contract and send it back.

Step 5: Get your cash 

Once your lender has received your signed contract, they’ll send your cash to you directly. If you have an NPP-enabled bank account, then you could have the money in your account and ready-to-use in 60 seconds or less! If your account is not NPP approved and depending on interbank transfer times, the latest you will receive the funds will be overnight.

Am I Guaranteed to get approved?

Sometimes, no matter how much we want to, we’re not always able to find a suitable lender for you. Or, the lender that we do source for may not be able to approve your personal loans no credit check application due to a number of different reasons. Unfortunately, we aren’t able to guarantee a successful outcome for every applicant as every application is different and dependent on a number of factors. Every single lender is going to have a different assessment process.

How much can I apply for?

Regardless of whether you’re looking for medium personal loans or larger loans for a big purchase we may be able to help. Pocket Cash has partnered up with a number of different lenders, offering a number of different loan types and amounts. We work with lenders who offer loans starting at $2,100 all the way up to larger loans of $10,000. As you can see, when it comes to loan amount, Pocket Cash can help you find the right lender for you.

Do you do credit checks?

Pocket Cash is a lender-finder service, which means that we do not conduct credit checks. However, we have partnered up with lenders who may perform a credit check on your application as part of their application process. We cannot guarantee that we will find you a lender for personal loans no credit check as any lender we find for you may perform a credit check on your application. This is in line with responsible lending practices. While we do work with a range of lenders who may not conduct a credit check, we cannot guarantee this as they will follow their company lending practices.

Credit checks are not the end of the world, however. Unlike traditional lenders like banks or credit unions, many online lenders are fairly understanding if you don’t have a perfect credit score. They know that it’s not always possible to have a squeaky clean record and that sometimes, things happen that can affect your credit score. While they may conduct a credit check, they won’t make their decision solely on your score. They will also take into consideration other factors such as repayment history, income and recent banking practices to get a good overall snapshot of your relationship with money. So, yes they may conduct a credit check, but it’s not the only deciding factor of your application.

So, even if you’re looking for personal loans no credit check, don’t be put off by the prospect of a credit check. Pocket Cash may still be able to find you a lender who can help, even if your credit score isn’t perfect.

Ready to apply? 

Here at Pocket Cash, our main goal is to make accessing finance easy for you. We want to take the hard work out of applying for finance and personal loans and make the whole process an absolute breeze. We know how overwhelming and frustrating money can sometimes be. That’s why we do what we do. We believe that finance and personal loans should be easy. And we’re here to prove that it can be. Rather than wasting time on multiple time-consuming applications, why not submit an application with Pocket Cash and see just how quick and easy it can really be.

 With access to multiple lenders who offer loans from $2,100 all the way up to $10,000, we can find something for everyone. Trust us to find the best lender for your personal circumstances. Why? Because we believe that regardless of what type of loan you’re looking for, personal loans are our speciality. We know how to match you up with a lender who is just right for you.

 With Pocket Cash’s expertise, you can say goodbye to multiple loan applications that take up your valuable time and energy. Instead, say hello to Pocket Cash, your perfect finance companion who is out to find you the best lender for all your personal loan needs. We can’t guarantee we will find you personal loans no credit check. However, we can guarantee we will do our best to find you a suitable personal loan. 

Any questions?

If you have any questions about our services or want to know how your application is going, feel free to get in touch or head to our FAQ page.