No Credit Check Loans
The title says it all — get fast financing with no credit check.
- Fast financing with NO CREDIT CHECK!
- Fixed rates of 17.99% APR*
- Borrow up to $2,000
- Terms up to 12 months
- Get your cash in under 1 hour!
- No prepayment penalties
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
How to Qualify
- Applicant must have an active checking* for at least six (6) months.
- Applicant must have a perpetual recurring automatic deposit** of at least $400 per month for a minimum of six (6) consecutive months with Xplore FCU. The direct deposit / automatic deposit must be in the name of the primary account holder.
- Bankruptcies must be discharged for at least two (2) years.
- All accounts and loans must be in good standing for six (6) months. No NSFs (Privilege Pay acceptable). No delinquent loans.***
- All No Credit Check Loan (NCCL) payments must be set on immediate payroll.
- Any existing NCCL/NCCL+ must complete four (4) full monthly payments before a refinance is available.
- Must settle any existing NCCL/ NCCL+ with the proceeds from the new loan.
A $39.00 application fee will be debited from member’s account prior to loan being processed.
*APR = annual percentage rate. Loans from $500 to $2,000 with term up to 12 months. Two (2) No Credit Check loans allowed per calendar year. Four (4) full monthly payments must be made before applying for the next No Credit Check Loan. *Active checking defined as a minimum of one (1) transaction per month.
**Mobile deposits and Unemployment direct deposits do not meet direct deposit requirements. Perpetual recurring deposits are defined as income that is automatically deposited into your account at regularly scheduled intervals (i.e. weekly, bi-weekly, semi-monthly or monthly). Mobile deposits and unemployment direct deposits do not qualify as recurring automatic deposits.
***Delinquent loan defined as 30 days or greater past the scheduled payment date. A non-refundable $39.00 loan application fee is required and will be deducted from your Xplore Federal Credit Union Checking or Savings account. Federally insured by the NCUA. Payment example: Approximately $91.66/month for every $1,000 borrowed at 17.99% APR for 12 months.
Xplore Federal Credit Union, New Orleans, LA. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. Xplore Federal Credit Union is an equal opportunity housing lender.
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