Get Started Now:
By submitting your information you agree to Privacy Policy and Terms & Conditions
Why choose us:
  • Get emergency cash to solve your problems FAST
  • All credits welcomed. Low credit may not be a problem
  • Super fast approval. Get decision within minutes
  • $100 - $1000 loans for any reason
  • 256-Bit SSL protected loan request form
How it works:
  • 1
    Submit formit takes a few minutes to fill in the form.
  • 2
    Get decision get loan decision very fast.
  • 3
    Get your cash in just one business day in most cases.

Loans for People with No Credit

loans for people with no creditIf you're searching for loans for people with no credit, you may be in luck.

While having no credit history can be a hindrance because lenders want to know if you are a responsible borrower, the lenders in our network will not automatically reject your application if you're new to borrowing or have a poor credit history.

First time and regular borrowers could borrow between $100 and $1,000, and could see the cash in their account within one working day!

Let's take a closer look...

Get breathing room until payday with payday loans

If you've gone over your budget, are facing an unexpected bill or need to make a purchase, but you don't get paid for another couple of weeks – payday loans can give you that much-needed breathing room.

Unlike other personal loans that are repaid over several months in installments, payday loans are repaid in full in one lump sum, on or just after your next payday (usually no more than 4 weeks later).

What's more, even those without much of a credit history or a low credit score are eligible to use our loan request form and apply with a lender if matched.

There's also no co-signer required!

Why is it possible to get a loan with no credit?

Your credit report monitors all of your current and past credit accounts (loans, credit cards etc), and your payment history to those accounts, giving lenders and insight into your borrowing habits when they run a credit check.

Lending is all about managing risk. Large lenders like banks take a blanket approach and tend to automatically reject people with no credit history or a low credit rating, in fear you won't pay them back. They also focus on lending larger amounts over longer periods, which makes it riskier to lend in the first place.

Payday lenders reduce risk by offering relatively small amounts between $100 and $1,000, over the short term.

While we cannot promise there will be no credit check, the lenders in our network will take in to account other factors like your income level before making a final decision, thus you stand a fair chance of getting approved.

No other eligibility hoops to jump through

Some lenders have a long list of eligibility requirements before even considering your credit history. At ElcLoans there are only three main things to consider:

1) Are you over the age of 18? Lenders cannot lend to minors. 2) Are you a US resident with a fixed address? Lenders can only lend under US law. 3) Do you have a regular and stable income that can be verified? Lenders need to know you can pay the loan back.

Thought there was more to it? Think again!

The benefits don't end there...

Easy way to build your credit history

If you're a young person with little or no credit history, because you haven't borrowed in the past, or you have borrowed in the past but developed a bad credit history – our service provides a fast and efficient way of building a positive credit history.

Within just a month or so your credit report will have logged that you successfully applied and obtained a loan and repaid it in full with no problem.

Save time by reaching many lenders with one online form

At GshLoans we've made the process of getting a loan much less stressful and easier than applying with the bank or a storefront lender.

Firstly everything can be completed online from the comfort of your own couch. As long as you have a device that can load our loan request form, you don't have to make any phone calls or in-person visits. You also don't have to fill out any physical paperwork!

Secondly, instead of wasting time applying with the lender after lender individually, we tap you into a network of over a hundred lenders using just one single form.

Just select the amount you desire, provide your contact details and income status, and we'll attempt to match you with a suitable lender in a matter of minutes. If matched you will then be transferred to their page, where you might have to provide a bit more information before they automatically assess your application.

Good News: You will know onscreen if the direct lender has approved your application and what they are willing to offer, and you'll be given a copy of the terms and conditions so you know exactly how much you will need to repay and when.

If you accept the offer you could see the cash in your account the very next morning if you applied during the working week!

The repayment is taken automatically from your designated bank account on the agreed upon date, saving you the hassle of writing a check or doing a manual transfer.

So, now you know how to get a personal loan with no credit check and no cosigner!

Get your loan for people with no credit today!

If you need to borrow a relatively small amount quickly and have no credit history or poor credit, then finding a payday loan offer through ElcLoans may just be the solution for you!

Tap into a network of over 100 lenders with one simple web form and see the cash in your account within 24 hours if approved.

Get started now and the entire process can be completed online!

Note To Consumer: If you are currently struggling with debt you are advised to obtain expert financial guidance. Taking out a short-term loan will not solve your long term debt problems. Short-term loans are governed by local laws and regulations, which borrowers are encouraged to review before proceeding.

APR Disclosure: The Annual Percentage Rate (APR) is the interest rate charged by the lender, based on the amount loaned, cost and duration of the loan, number of repayments, and timing of repayments. This rate and other terms will be presented to you in a loan agreement prior to signing the contract, as per federal law. The maximum APR that lenders can charge for loans varies from state to state. On average the rate will fall between 200% and 1386% for cash advance loans, and 6.63% to 225% for installment loans. Some states have no regulations regarding APRs and therefore the lender can charge any rate they desire. A lender reserves the right to change their APR at any time, within state regulations.

Material Disclosure: The operator of this website does not provide loans themselves, nor do they act as a broker or agent for any other loan broker or lender. Rather they function as a referral service, advertising loan products from a network of qualified lenders. These lenders commonly offer cash advance loans of amounts between $100 and $1,000, and installment loans of up to $5,000. The amounts offered are subject to change and there is no guarantee that you will be matched with one of these lenders or approved for a loan. Our service and the lenders in our network do not offer or solicit for loans that are illegal under any state laws and regulations. Our service does not constitute a solicitation for any particular loan and we are not offering to lend to you ourselves. Our service is entirely free and we do not endorse any particular loan product or service. Lenders may compensate us for advertising their loan products only. This service and offer is void where prohibited. As an advertising and referral service, we are not responsible for the actions, terms and policies of the lenders in the network and have no control over their assessment of applications and loan terms offered. We do not have any access or control over your loan's interest rates, fees, repayments, non-payment repercussions, or other terms. Therefore you are advised to contact the individual lender if you have any queries regarding your loan. By using our loan request form you agree that your personal information will be shared with one or more lenders from our network. You are under no obligation to use our service, nor complete a loan application or accept a loan from any lender contacted through the service. The time it takes to receive your loan after signing an agreement may vary from lender to lender. The terms of repayment may be subject to local laws and regulations. You may be required to fax documentation as part of the lender application process. To learn more about our service and the loan products offered by lenders in the network, you are advised to read our FAQs. These pages do not constitute legal advice. By using our service you are subject to the site's Terms of Use and Privacy Policy.

Exclusions: Due to state laws and regulations residents of West Virginia, Arkansas, Vermont and New York are not permitted to use our service or website. Furthermore not all short-term and small-dollar loans are legally available in all states. We reserve the right to change the states serviced by this website without notice.

Credit Implications: No credit decisions are carried out by our service or website. Credit checks may be carried out by an independent lender from our network if you have been matched with them, which may include reports from credit bureaus or alternative providers. This may be used to assess your current credit standing or capacity, and overall credit worthiness as deemed by the lender. By submitting your information via our loan request form you accept that such checks will take place and agree to allow lenders to verify your personal details. Taking out a short-term loan will not solve your long term debt problems, and all loans provided by the lenders in our network are intended to be repaid over a short period of time. It is wise to obtain professional guidance regarding your current financial situation, and the risks involved with short-term loans. If you cannot realistically repay the loan at the time of your next pay period, then you should seek a smaller amount or not use this service. Missing payments or failing to repay loans at all, may result in added fees and interest, and collection proceedings by the lender to try and recover the debt. Policies regarding loan renewals and collections vary from lender to lender, so make sure to read their full terms before committing to a loan.