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Last updated: May 2026How we rate

Best Personal Loans Without a Hard Credit Check

See real offers with a soft pull. No score impact.

Legitimate lenders never offer truly 'no credit check' personal loans — that's a payday-lender red flag. What they DO offer is pre-qualification with a soft credit pull, which shows you your real rate without affecting your score. The lenders below all support soft-pull pre-qualification.

Are you eligible for a better rate?

1
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Editorial review of Alpha Lending is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 5.99%–24.99% APR
  • Loan amount: $1,000 to $100,000
7.6
Good
See my rate
More Details:

APR

5.99%–24.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

2
Beta Financial logo
Best for Lowest APR
Beta Financial951 reviews by Trustpilot
Apply online in minutes

Editorial review of Beta Financial is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.24%–24.49% APR
  • Loan amount: $1,000 to $100,000
7.8
Good
See my rate
More Details:

APR

6.24%–24.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

600+ credit

3
Gamma Bank logo
Best for Fast funding
Gamma Bank1,363 reviews by Trustpilot
Apply online in minutes

Editorial review of Gamma Bank is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.49%–23.99% APR
  • Loan amount: $1,000 to $100,000
8.0
Very good
See my rate
More Details:

APR

6.49%–23.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

620+ credit

4
Delta CU logo
Best for Bad credit
Delta CU1,775 reviews by Trustpilot
Apply online in minutes

Editorial review of Delta CU is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.74%–23.49% APR
  • Loan amount: $1,000 to $100,000
8.2
Very good
See my rate
More Details:

APR

6.74%–23.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

640+ credit

5
Epsilon Direct logo
Best for Large loans
Epsilon Direct2,187 reviews by Trustpilot
Apply online in minutes

Editorial review of Epsilon Direct is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.99%–22.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good
See my rate
More Details:

APR

6.99%–22.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

6
Zeta Capital logo
Best for Customer service
Zeta Capital2,599 reviews by Trustpilot
Apply online in minutes

Editorial review of Zeta Capital is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.24%–22.49% APR
  • Loan amount: $1,000 to $100,000
8.6
Very good
See my rate
More Details:

APR

7.24%–22.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

600+ credit

7
Eta Lending logo
Best for Soft credit pull
Eta Lending3,011 reviews by Trustpilot
Apply online in minutes

Editorial review of Eta Lending is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.49%–21.99% APR
  • Loan amount: $1,000 to $100,000
8.8
Very good
See my rate
More Details:

APR

7.49%–21.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

620+ credit

8
Theta Loans logo
Best for No origination fee
Theta Loans3,423 reviews by Trustpilot
Apply online in minutes

Editorial review of Theta Loans is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.74%–21.49% APR
  • Loan amount: $1,000 to $100,000
9.0
Excellent
See my rate
More Details:

APR

7.74%–21.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

640+ credit

9
Iota Mortgage logo
Best for Repeat borrowers
Iota Mortgage3,835 reviews by Trustpilot
Apply online in minutes

Editorial review of Iota Mortgage is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.99%–20.99% APR
  • Loan amount: $1,000 to $100,000
7.6
Good
See my rate
More Details:

APR

7.99%–20.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

10
Kappa Trust logo
Best for Branch network
Kappa Trust4,247 reviews by Trustpilot
Apply online in minutes

Editorial review of Kappa Trust is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 8.24%–20.49% APR
  • Loan amount: $1,000 to $100,000
7.8
Good
See my rate
More Details:

APR

8.24%–20.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

600+ credit

Our Top Choice

Most Popular on comparebankloans
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Editorial review of Alpha Lending is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 5.99%–24.99% APR
  • Loan amount: $1,000 to $100,000
7.6
Good
See my rate

Frequently asked questions

  • Are 'no credit check' loans real?
    Almost always a red flag. Legitimate lenders check credit somehow — they just use a soft pull during pre-qualification (no score impact) and only do a hard pull when you formally accept. Avoid any lender that promises approval with no credit check at all.
  • What's the difference between soft and hard pulls?
    Soft pulls don't affect your credit score and aren't visible to other lenders. Hard pulls drop your score 2-5 points temporarily and stay on your report for two years. Multiple hard pulls for the same loan type within 14-45 days are usually counted as one.
  • Can I compare multiple lenders without damaging credit?
    Yes — that's the whole point of pre-qualification. Use the soft pull at each lender to see real rates, then pick the best one and only do a hard pull when you accept that single offer.
  • What's the catch?
    Pre-qualification doesn't guarantee final approval. The lender may decline you after the hard pull if something doesn't match the information you provided initially. Most legit lenders honor the rate they pre-qualified you for as long as your application is consistent.