Looking for a no credit check loan or direct lender?

Credit Fair-E and our partner, Oakwood Financial, aren’t lenders. Oakwood Financial’s short form can connect you with lenders, who may check your credit. You choose whether to accept any offer.

How much do you need?

Pick an amount to continue at Oakwood Financial

You’ll continue to Oakwood Financial, a third-party advertising network. Credit Fair-E is not a lender and may earn a referral fee. Not every lender offers every amount.

  • Choose an amount, from under $500 to $5,000 and over
  • Finish the request online from your phone or computer
  • Read the rate and terms of any offer before you agree

How it works

  1. Pick an amount

    Tap the amount closest to what you need. This takes you to Oakwood Financial.

  2. Complete the short form

    Oakwood Financial asks for your details and may sell them to lenders and other companies.

  3. Review before you accept

    If you get an offer, check the APR, fees and payment dates. You do not have to accept it.

Good to know before you click. Credit Fair-E does not make loans. Oakwood Financial is an advertising network, not a lender. Your details may be sold, possibly more than once, to lenders, aggregators and other marketers, some offers may come from tribal lenders with higher rates than state-licensed lenders, lenders may check your credit, and the service is not available in every state. Read our full disclosure.

No credit check loans: what the phrase really means

A no credit check loan usually means the lender skips a traditional hard inquiry with the big three credit bureaus. It rarely means nobody looks at your finances. Many lenders use income, bank history or other credit data instead. Be careful with anyone who promises guaranteed approval, because legitimate lenders review an application first. Our guide to no credit check loans goes further.

Direct lenders vs matching services

A direct lender funds your loan itself and you repay that same company. A matching service or advertising network, such as Oakwood Financial, sits in the middle and connects you with lenders. Neither is automatically better, but you should always know which one you are dealing with. See direct lender FAQs and the difference between direct and indirect lenders.

Installment loans and payday alternatives

A payday loan is usually due in one lump sum on your next payday. An installment loan is repaid in scheduled payments over months, which can be easier to fit into a budget, though more payments can also mean more total interest. Compare the APR and the total you will repay, not only the payment amount. Read more about payday lenders vs installment lenders.

Loans for bad credit

A low score does not rule out every option, but it usually costs more. If you can wait, a few months of on-time payments and lower card balances can improve what you qualify for. Our guide to fixing your credit score explains what moves the number.

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Common questions

Is Credit Fair-E a lender?

No. Credit Fair-E does not make loans or credit decisions. We publish guides and refer visitors to Oakwood Financial, and we may earn a fee when you click through.

Is Oakwood Financial a lender?

No. By its own description, Oakwood Financial is an advertising network. It may sell your details, possibly more than once, to lenders, aggregators and other marketers, who may then contact you with offers.

Are there really loans with no credit check?

Some lenders do not run a traditional check with the major bureaus, but most still review something, such as income or bank history. Lenders reached through this form may check your credit. Treat any ad that promises no check at all with care.

Can I get a loan with bad credit?

Some lenders work with lower credit scores, often at higher rates. Approval is never guaranteed, so compare the total cost of any offer before you accept.

Does it cost anything to look?

Credit Fair-E and Oakwood Financial do not charge you to use their sites. A loan itself has a cost, so read the rate, fees and repayment schedule before you agree to anything.

Is it available in my state?

Not everywhere. Oakwood Financial says its service is not available in all states, and that the states it covers can change.

See Loan Options
See Loan Options