The Best Choice Available for Those With Bad Credit When you are the unfortunate borrower with bad credit, getting access to fast cash is not exactly an easy task. Generally, you will be rejected for any credit cards, which means that you are out of luck when it comes to those benefits. However, the existence of no credit check loans, helps to fill the gap between those who qualify for credit cards and those who do not. If you are looking for quick access to money, yet are afraid of the consequences of your bad credit, no credit check loans are a great option for you. No Credit Check Loans Defined For people with bad credit scores, applying for a credit card or a personal loan is an exercise in humiliation. Even if you can qualify for these financial tools, the interest rates that are attached to them are often so high that it is no longer of any benefit to take these loans. Instead, looking for an option that does not require a credit check, and therefore cannot penalize you based on your bad credit, is the perfect solution for your problems. These loans are given to people based on their income rather than their credit score. This allows people with bad credit to get instant access to funds without worrying about the effect their poor credit score will have on their loan. The Qualifications Are Simple Of course, not anyone can get a no credit check loan either. A lender who gave money out to anyone who asked would go broke pretty fast. However, compared to the other options available, namely credit cards or personal loans, you will find the qualifications for no credit check loans easy to meet. They include: Being at least 18 years of age. Being a U.S. citizen or a permanent resident. Showing proof of a current, active bank account. Showing proof of a regular job with a predictable paycheck. You must have had the job for at least six months at the time of your loan application. As long as these basic qualifications are met, your approval is guaranteed. What a No Credit Check Loan will Buy No credit check loans are not the same as traditional personal loans or even credit cards, therefore, you need to be prepared for what you will be getting into. For starters, no credit check loans are often only given for short periods of time. Typically called cash advance loans, the loan is based on your current paycheck and is considered an advance on what you will eventually receive. In that respect, once you get the money from your paycheck you are expected to repay it to the lender. Sometimes you may do this over the course of a few paydays, so a loan can range from 14 to 60 days. The next point to know is related to that idea of a cash advance. Basically, since you are getting the equivalent of a paycheck, you will not be able to take out a large sum in a no credit check loan. Generally, the amounts offered will range from $100-$1,500, but they are based entirely upon income. The Best Choice Available As a person with bad credit, getting access to instant funds is nearly impossible. You cannot qualify for a credit card or a personal loan. However, the option of taking a no credit check loan exists for you and, in many ways, that is the best choice available.