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These types of loans often have certain pitfalls, like higher interest rates and stricter terms, and are not typically recommended for someone who could qualify for a more conventional loan.Checking your own credit does not hurt your score and will give you a better idea of what type of loans you may get approved for.If you have a poor credit score or no credit history at all, you might think getting a personal loan is out of the question.The good news is there are options for you to get a loan that doesn't require a credit check.Having the documents and records you need to prove that you are financially stable and able to pay back new debt will help boost your chances of getting approved.Here are some documents you should have when talking to lenders: Online lenders such as Prosper, Upstart and Lending Club—all Experian loan partners—have options for people with scant credit history.While you may still need at least one or two accounts in your credit report, these lenders look at features of your financial profile beyond just your credit reports and scores when considering you for a loan.APR: 6.00% to 29.99% depending on your financial profile Term: 36 or 60 months Upstart offers loans of up to ,000 that can be used to pay off credit cards and consolidate other types of debt.
More and more lenders are using alternative data—personal information not included in your credit report—to establish whether you pose a risk as a new borrower.
You can also browse through Experian's personal loan marketplace, where several lenders use alternative data.
Be prepared to prove your creditworthiness to a lender when asking for a loan without a credit check.
Credit union membership is sometimes based on your employer, where you live, or whether you are affiliated with certain organizations.
Contact your local credit union or your employer to see if you are eligible for membership.