Signature Loans: No Credit Check, Bad Credit Options Listed

A personal loan or, more specifically, a signature loan can help out in an emergency, pay for a large expense, or fund a vacation. Below, we have the list of lenders that offer signature loans with no credit check necessary and signature loans for bad credit.

What Are Signature Loans?

A signature loan is a type of unsecured loan given in good faith based on the borrower’s promise to repay the loan. This is in contrast to a secured loan, in which the borrower must offer collateral for the loan. It’s called a signature loan because the borrower’s signature is typically the only guarantee that the loan will be repaid. Some lenders even let you sign your loan documents electronically so that you can complete the loan paperwork from home. Electronic signatures are legally binding in the U.S. and carry the same weight as a handwritten signature. Signature loans are also known as good faith loans or character loans. The loans are typically paid back in installments.

When applying for signature loans, it’s important to keep in mind that they often have higher interest rates than secured loans, particularly for borrowers with bad credit. You should be aware of the loan’s interest rate and fees before applying, to be sure that you will be able to pay the loan back in full. You may also want to research the company to determine whether it engages in any predatory lending practices. The Consumer Financial Protection Bureau maintains a database of consumer complaints where you can search lenders by name, and you can also check the lender’s Better Business Bureau rating to determine whether you’re comfortable borrowing from it.

Signature Loans: No Credit Check Options

The following lenders provide signature loans without a credit check. The lenders will look at other credit data or base your eligibility on income.




  • Loan amount: $1,000 to $4,000
  • Interest and fees: See OppLoans personal loans page
  • Repayment terms: Up to 36 months; vary by state
  • Requirements: A bank account in your name that accepts direct deposit. Must be employed and have a monthly income of at least $1,500.
  • E-signature option available? Yes
  • Apply for a loan from OppLoans

Alternately, you can apply for a payday loan without a credit check. For the list of the places, see our article: Payday Loans: Online, No Credit Check, Instant Approval, No Faxing.

Signature Loans: Bad Credit Options

Signature loan bad credit options are listed below. Most of the following lenders will perform a soft credit check but will work with you if you have less-than-perfect credit.


Bad Credit Loans


  • Loan amount: $1,000 to $10,000
  • Interest and fees: Varies by the state; origination fee up to 5%
  • Repayment terms: Six to 60 months
  • Requirements: A valid Social Security number. Must be at least 18 and a U.S. citizen.
  • E-signature option available? Yes
  • Find out more about signature loans from NetCredit

  • Loan amount: $500 to $35,000
  • Interest and fees: See’s website (paid partner link); origination fee up to 5%
  • Repayment terms: Up to 60 months
  • Requirements: A valid checking account, Social Security number, and proof of income and/or employment earning at least $2,000 a month. Must be at least 18 and a U.S. citizen.
  • E-signature option available? Yes
  • Find out more about signature loans (paid partner link)

OneMain Financial

In Summary

No credit check signature loans are available as well as signature loans for bad credit. Some, such as CashNetUSA, also allow electronic signatures and online applications. When applying for signature loans, be sure to note the interest rates and fees involved before signing, and be sure that you can pay the loan back on time to avoid damaging your credit.

For more on signature loans, see our article listing the places where you can get a signature loan without a bank account.

Leave a Comment

We respond within 24 hours.

Terms of Use