loans canada, personal loans in canada

No Credit Check Loans.



Loans Canada

Complete Our Easy Online Application

It Takes Less Than 10 Minutes

Just One Click Of A Mouse At The End Of The Form To Submit Application

Receive Your Money In Bank

Within 24 Hours



Get No Credit Check Loans From Afterloans Now!

                                                                                              Loans CanadaVery Easy

                                                                                              Loans Canada Very Fast

                                                                                              Loans Canada Very Safe


GET UP TO $5000



I can smile with complete confidence! Thank you for making applying for my loan painless and most of all hassle free! AfterLoans was a life-saver.  Got just the money I needed on time.

Arabella Marquez

No credit check loans

Most borrowers want to escape the whole idea of credit checks that are conducted before they get the loans they need. When they hear the words “no credit check loans” it brings a sigh of relief because they can access loans without stringent checks. No credit check loans are therefore loans that do not require any inquiry into your credit history before you are granted a loan.

Assuming one morning you wake up to check your credit and your score is around 600. That is a red alert showing that your credit is below the accepted limit to be granted loans. The good thing is you can improve your credit score over time. The bad side is, your lender is likely to deny you a loan.

Too many credit checks has the potential of lowering your credit score. It sends the signal to lenders that you have money problems and you applying for too many loans. Lenders will not give to desperate people.

Traditional banks and other borrowers who give no credit check loans have the tough decision of choosing who is creditworthy to get their loans. For them, one of the ways is to check the credit score and the credit report.

If you have a credit score or a bad credit history, you would then have to skip looking for loans from these traditional lenders. You would have to turn to those who give no credit check loans. Your credit score will not be checked before you have access to loans.

There are soft credit check loans

Soft credit check lenders are the “sister” of lenders who give no credit check loans. The similarity is that they both attend to people with bad credit. Bad credit folks are those that lenders will be unwilling to lend to. Soft credit check lenders are those that sincerely care about the fact that the loan you are taking can be repaid.

Soft credit check lenders will therefore check your credit before making an offer to you expecting that you will be able to pay and not end up rolling it over again and again.

Soft credit check lenders ensure that they offer you installment loans that can be repaid over a period of time. Plus their loans amortize – this means any payment that you make towards the loan goes towards both the principal amount and the interest. When you pay off early, you are able to save money.

Do lenders have to conduct credit checks at all?

Credit checks are done so that lenders can better know how creditworthy you are. Without credit checks, lenders will not be able to predict whether you have the ability to pay back the loan that are given to you.

Credit checks helps lenders to know who to grant loans to and who cannot handle any additional debt due to possible default. On the borrowers side, credit checks also help them know the loans they can or cannot afford with the credit score that they have.

Do you really need a no credit check loan?

Before you get a no credit check loan, it’s always advisable to know if you really need one. You can try applying with traditional lenders but if they refuse you, you can try the other options. The banks and credit unions have options for people who want to have no credit check loans.

No credit check loans ,however, when managed well can help to improve your credit score. You need no credit check loans if your credit is bad and you have run out of options. Lenders are willing to do business with those who need such loans but you have to remember that lenders are in for profit.

No lender is in to lose money and therefore you should find out the cost of the loan before proceeding to apply. The interest rates may be slightly higher because of the risk involved in lending to those with bad credit or no credit at all.

No credit check loans are not for luxuries because in a few weeks or months you have to pay back. Lenders do not make any decision based on your credit score but the main consideration is that you pay off your loan on time.

Are no credit check loans safe

For no credit check loans to be considered safe, it depends on the type of lender you are dealing with. Not all the lenders are in for your good. There are responsible lenders like After Loans Canada giving no credit check loans and predatory ones also exist. You should not appear too desperate so as to fall into the hands of bad lenders.

It is sometimes tricky to find out which lenders are safe and the others that are not legitimate. Your financial future depends on the responsible decisions that you make for yourself to address your immediate financial needs.

Hence it depends on you to find the no credit check loans that will be safe for you.

To know which no credit check loans are safe for you and those that are not, these are some of the factors.


The term refers to the duration of the loan and when all the fees on the loan plus the principal must be paid. The longer term you have to repay, the lower the monthly or scheduled payments that you have to make. Likewise, the shorter the term, the higher the monthly payments.

The term of the loan depends on the amount borrowed and the fees that the lenders is charging. Short terms can range from about two weeks and the longer terms can be months or years according to the type of loan that you took. Legitimate lenders will give reasonable fees that you can work with even if no credit checks are done before you get the loan.

You should watch out for any predatory terms that you will not be comfortable with.


Real lenders will give you flexible rates for the no credit check loans you take from them. In spite of the fact that there are no credit checks on the loans from these lenders you should however ensure that the rate you are getting for borrowing is not too expensive.

Rate refers to the cost of borrowing money. The two types of rates that come with loans are the interest rate and the annual percentage rate.

The interest rate refers to the percentage of the principal amount that is charged on the loan. The Annual Percentage Rate (APR) however is the cost of the loans over a period of a year. With the APR it is critical to know how much exactly you would be paying for the amount you are borrowing.

The ability to repay:

You can get good no credit check loans with lenders who will be interested in your ability to repay despite no credit checks. Genuine lenders will consider your income, employment and determine whether you can afford the payments for the loan being taken.

Any sign of a lender who doesn’t consider these factors means you are likely to be taken advantage of. Short – term high interest rate loans are usually a trap and meant to make borrowers unable to repay what they owe. Any suggestions of a roll over should send some red flags to you.

To be sure of the lender you are dealing with, you can also do a check on the Better Business Bureau or on their own website to know the customer reviews that they have. This will inform you on whether to go ahead in taking the loan from a particular lender.

Is the loan secured or not secured?

This will let you know whether you are going to be losing anything in the process of acquiring the loan. If its secured, you know exactly what you are going in for. If its unsecured you are also aware of what it entails.

Unsecured personal installment loans are mostly suggested than the collateral nature of some of the no credit check loans that can lead you to more debt.

Steps to get no credit check loans

To get no credit check loans that you need you should consider firstly if it’s the best option for you. This is because there are different alternatives such as private loans and taking loans from family and friends. If after this you still want the option of choosing no credit check loans then these are some of the factors to look out for.

1. Choose who will co-sign your loan

Getting no credit check loans involves getting a co-signer who has better credit scores than you. If you determine that you need a co-signer, their credit score will be used to enable you get the loan. The co-signer takes full responsibility of paying back the loan when you are not able to pay. However, if you can place a collateral on the loan then co-signers will not be needed.

2. Research

With the increasing number of different lenders offering no credit check loans all over you would think they are all equal. The fact is: they’re not. Some are offering high interest rates and fees that you may not be able to afford.

To choose a lender for the no credit check that you need you will have to do thorough research. You should be wary of lenders asking for upfront fees before they let you know whether you are eligible for the loan.

There are brokers who can lead you to several lenders that have the best rates. Credible lenders will have good ratings on the Better Business Bureau website.

3. Have a discussion about your options

When you find a suitable lender giving no credit check loans that match your needs, you should be able to discuss the options that are available to you. Once its within your budget, you would not have much trouble handling it.

You should be wary of lenders who are not willing to sit through a discussion with you because they will have no favourable terms and conditions for you.

Types of no credit check loans

Payday loans

Payday loans have come under heavy criticism now in the lending industry. Their high interest rates to be paid within a very short duration has caused many borrowers to have dents in their finances.

They have become so unpopular because about 80% of payday loans are rolled over within the first 14 days. In Canada, four out of five payday loans are rolled over or renewed. Typical payday borrowers spend about more than half of the year in debt to payday lenders. 75% of payday loan fees are from borrowers who take more than 10 payday loans within a year.

All these factors have led to the payday industry being sort of “blacklisted” to customers who are in search of no credit check loans. However, they are still a type of loan that you can easily get with no credit checks done on you.

Title loans

Title loans are no credit check loans that require you to use your car as collateral to secure the loan you need. With title loans you are required to sign over the car , motorcycle / boat title to the lender.

no credit check loans

You have normally two weeks to a month to pay back what is owed. The downside of this is that when you are not able to pay back the lender can take possession of your vehicle and sell it. Title loans have also been noted for their potentially high interest rates. In a study it was found that one in five people who take title loans lose their cars.

In some rare cases, people who have opted for this no credit check loans have made extra keys for the lenders. Others have also got to the extent of installing GPS on the borrowers car. Your vehicle can be remotely disable and located when you default.

You can get title loans either online or from the storefront after the lender has assessed the value of your car. Loan amounts are based on how much the car is worth. You will usually get close to 25% or 50% of your cars value as a loan. If you take about $500 for a duration of 30 days, you will pay back $625.20 depending on the interest given.

When you are not able to make your payments, you may get an option from the lender for a roll over of your loan. This brings new interest and fees apart from the old one which makes the loan you borrowed expensive.

In some countries lenders are actually required to pay you back the difference between the amount that the car was sold for and then the amount you owe.

Pawnshop brokers

With pawnshop brokers you also do not have your credit checked before you are granted the loan. It is one of the convenient options for those who need no credit check loans. Once you submit the item you want to pawn, you get the loan amount that you need.

The amount to be given depends on the perceived value of what you have submitted to the dealer. You are expected to pay back the loan you received with the interest within the timeframe that was agreed upon. The uncomfortable part is you may not get your item back if you default because the lender will put up for sale to cover the loan you took.

Installment loans

Installment loans are loans that are designed to be paid over a period of time. These payments are made in fixed or regular intervals. This type of no credit check loan makes it easier and affordable to manage. Some installments loan may be secured or unsecured.

There are installment loans with no credit check where instead of a hard enquiry that might affect your credit, there is a soft credit check done before the loan is granted. A lender who does not ask for any form of documentation at all before granting you the loan should be avoided. Lenders who care about your ability to repay will ask more than employment related questions.

To get the most out of installment loans you should not borrow more than what you can pay back. You only borrow what you can afford according to your financial need.

Even though you have a longer time to repay, you can still fall behind in payments if you are not able to plan ahead your payments. You should also aim to make payments on time. One last thing to check is whether you have prepayment penalties at all in the life of the loan and the interest that will be charged on the loan.

Can no credit check loans affect your credit score?

No credit check loans when initially gotten decreases your credit score but this is temporal. The new debt taken on adds up to the liabilities that you have and hence influences your credit score.

When you pay back the loan, the credit score goes back to where it was before you took on the debt. Short term repayments are never recommended for anyone taking no credit check loans because it makes you pay a fee anytime you extend the loans. This is when you are not able to stick to the commitment of paying back the loan.

You should look out for soft credit checks that will not hurt your credit score. You should be wary of phone calls from collection agencies asking you about loans. This is because sometimes some collectors make the mistake of reporting you to credit bureaus when you don’t owe them. Any wrong acknowledgement of debt with no credit check loans will affect your credit score in the long run.

Guaranteed approval and no credit check loans

If you are having a bad credit day and have run out of options to get loans because traditional lenders are putting you in a tight spot, no credit check loans are available to bail you out.

Guaranteed approval, however, does not entirely exist as promised. It is considered a myth because if lenders were to give out such loans, their business will not last very long. There are still standards that customers have to meet in order to get no credit check loans.

The only difference is that the lenders will soften the standards for those looking for loans with no credit check. All you need is a bank account that is functioning. Approval is only guaranteed when you meet the requirements of the lender.

Any lender who promises guaranteed approval as a 100% occurrence is probably not in for your good. It is payday lenders and other predatory lenders that easily advertise guaranteed approval. Getting no credit loans from genuine lenders will involve some level of credit checks.

Predatory lenders will prey on those with low levels of financial literacy and are desperate. Therefore you should stay away from the flashy promises that comes when looking for no credit check loans in particular.

Genuine lenders will consider your ability to pay back the loan without making you roll it over in a vicious cycle or under a promise of guaranteed approval

In conclusion

No credit check loans are a great option for those with bad credit who will not be granted loans by traditional lenders. No credit check lenders are sometimes thought to be the same as payday lenders. This is because payday lenders also do not conduct credit checks before they give out their loans.

In order to search for no credit check loans you should first make a list of what you need. You should be able to know how much you can put up with or whether you need to even co-sign. Compare the different lenders that are available to you and choose the one that best suits your need.

By reading the terms and the agreement closely you would find out all the hidden details that you need to know before accepting the loan. This will enable you know the terms and the annual percentage rate.

You would also have to only get the amount of the no credit check loan that you need. As its said “never go to the grocery store hungry” because you will end up taking even what you don’t really need. This will enable you to stay within you budge and not take up any more debt for yourself.

Disclaimer: All loans offered through this website are subject to credit and underwriting approval. is a lead referral company, not a lender. AfterLoans only works with financial service providers that adhere to Canadian laws and regulations. You can borrow up to $20000. Loans amortization is between 6-36 months. APRs range from 19.99% to 55%. The actual APR charged will depend on the lender’s assessment of your credit profile. For example, on a $1000 loan borrowed for 12 months at 29.9%, the monthly payment will be $97.24; with a total repayment, including interest, of $1166.88 There is also lender’s optional loan protection policy. In the event of a missed payment an insufficient funds fee of around 45$ may be charged (dependent on the lender). If you default on your loan payment plan the lender may terminate the plan and the remaining balance will become payable immediately. Our lenders employ fair debt collection practices, but will pursue the payment of Outstanding debts to the full extent that Canadian law allows.