Personal Loans no credit History


Unsecured Loans No Credit

Gather your financial documents and personal information. Create a file to keep these items, as well as loan applications, so you can easily stay organized. Include your pay stubs for proof of income s well as past tax returns.

Step 2

Download your credit report. Even if you have little or no credit history, something should come up when you search the free annual credit report site using your social security number, name and current address. Check the report for errors and correct any that have occurred.

Step 3

Contact your bank where you have a checking or savings account. Ask to talk to their loan officer or a bank manager who can talk to you about getting a personal loan with no credit history. Many banks will extend a small credit line to clients in good standing. If you've never bounced a check and have had the account for several years, this will be in your favor.

Step 4

Apply online for a personal loan. You can try peer to peer lending. That allows you to explain your situation and credit history to potential lenders. You can also apply for personal loans through online banks that work with customers with no credit or bad credit.

Step 5

Consider a home equity loan. If you own a home outright, you will likely be able to get a personal loan even if you have no credit history. However, be careful, as it's generally not a great idea to borrow against your equity if you don't have the means to pay back the loan quickly.

Interesting facts

  • Michigan State University Federal Credit Union or MSUFCU, headquartered in East Lansing, Michigan, is the largest university-based credit union in the world in membership and asset size. MSUFCU is a federal credit union chartered and regulated under the authority of the National Credit Union Administration (NCUA). A variety of financial...

Additional information


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Popular Q&A

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Can I get a personal loan without credit history? | Yahoo Answers

Probably NOT ( from a Bank, anyway ). :( And WhatEVER You Do; DON'T take out a "PayDay" Loan- or their Interest Rates will delay your getting a good Credit History- for YEARS !! :o See if You can Borrow what You Need- from a Friend or Relative, with the PROMISE that You will Pay Them Back $50 a Month. You 're gonna have to learn to do this ANYway once you DO eventually get a Line of Credit. So You might as Well start "practicing" at It- Now !! Good luck ! :)