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Answered, Payday Loans: Online, No Credit Check, Instant Approval, & No-Fax Options, 10 Loans for People on Disability With Bad Credit (Personal, Payday, etc), Places Like Speedy Cash: 11 Alternative Places to Get Payday Loans, etc, Where to Get Hardship Loans For Bad Credit: USAA? Unlike banks that determine your creditworthiness based on your credit scores and credit history, we look at your current income to decide whether or not to lend you money. Cash By Tomorrow. You need to stay persistent to get results. The alternative lending scene is filled with predatory lenders who trap desperate borrowers with too good to be true offers. Online lenders such as SoFi and Earnest allow you to see what rates and terms you qualify for without performing a hard credit check. As mentioned above, bad credit lenders that provide income based loans with no credit check do not care about your credit scores. However, before you start looking for lenders, you should find out about loan. 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