Best Loans That Require No Bank Accounts

You never know when you’ll need a loan - roof repairs, hospital bills, and other costly events can pop up at any time, leaving you wondering how you’re going to afford it.

Even with a decent credit score, finding a suitable loan can be tough. If you have a poor credit score, your options become more limited - and if you don’t have a bank account, it can feel impossible trying to get a loan.

Pretty much all lenders require you to have a bank account, as it’s the most common way of handling money in 2020. If you do manage to find a loan that’ll accept you without a bank account, chances are it’ll have extortionate interest rates.

Keep reading for more information on what loans may be available to you if you have poor credit or no bank account.



  • Loans of up to $30,000
  • Flexible loan terms
  • High chance of being accepted even with really poor credit
  • Easy online application
  • Ideal for emergencies or debt consolidation


  • Will be disappointed with interest rates if you have a good credit score

A large expense can come at any time. Weddings, funerals, and hospital bills can cost tens of thousands of dollars - and not many people have that lying around. This is where OneMain can help you, with loans of up to $30,000.

The application process is quick and easy, and you’re almost certain to get an offer. The next stage is meeting with a loan specialist to discuss the loan terms and conditions.

With interest rates starting at 16.05% and capped at 35.99%, it’s best to use OneMain if your credit score is poor - as high credit score customers will be able to find better interest rates. The repayment terms range from 24 to 60 months, which is sure to make the monthly payments more manageable.



  • Perfect for small emergencies
  • Speedy access to funds
  • Can get approved if you’ve had a recent bankruptcy
  • Simple application process


  • The maximum loan amount is $2,500

Emergencies can happen at any time, and you can find yourself needing money and needing it quickly. Thankfully, with MoneyMutual, you can have access to up to $2,500 as quickly as one working day.

You’ve got a strong chance of getting accepted if you have a poor credit score - even if you’ve had a recent bankruptcy.

Once you’ve completed the quick and simple application process, you’ll get connected with potential lenders. You should receive offers with varying amounts and terms, and you can decide which one works best for you.

money shaking hands



  • Affordable monthly repayments
  • Loans starting at $1,000 ending at $50,000
  • Funds sent directly to account within a day
  • Interest rates from 7.99%
  • One-page application


  • Not the most competitive interest rates

If you need a large sum of money quickly, you’ll be glad to know you can borrow up to $50,000 with Upgrade, and receive the funds the next day.

It’s really easy applying for an Upgrade loan, and the application form is only one page - instead of other loan applications that never seem to end.

Upgrade also offers smaller loans, starting at $1,000 - but the loans are still pretty long term. The loan terms range from 36 to 60 months, which is perfect if you want smaller monthly payments.

The interest rate varies from a generous 7.99% to a steeper 35.89% - and if your credit score is really poor, then you’ll be offered the higher interest rates.

Cash Advance


  • Perfect for smaller, short term loans
  • Reasonable rates
  • Loans start at $100
  • Have up to a year to repay


  • Not ideal if you need more than $1,000

If you need a quick hundred bucks, whether you need to cover rent or just to get by, then it’s worth seeing what Cash Advance can offer you.

You can borrow anything from $100 to $1,000, and depending on what offer you receive, you can have up to a year to repay the loan.

Their rates are reasonable, and you’re likely to get an offer even with a less than perfect credit score. It’s pretty easy to apply, and you could get connected with lenders in a matter of minutes.