$250 Loan No Credit Check: Top 7 Lenders to Get Money Fast 2024

Do you need $250 but other banks or lenders have already rejected your application because you have bad credit or a limited credit history? You can forget about those problems now, because our recommended companies are here to bring you a $250 loan no credit check with fast approval and disbursement.

We’ve carefully chosen the best lenders that offer $250 loans without a credit check (especially a hard credit check that would damage your credit score), so you can get the money you need with a flexible payment schedule, a fair interest rate and disbursed on time.

Your credit score won’t matter any longer - check out our ranking to apply for your favorite loan now to get the $250 you need.

Ranking of the Best $250 Loans No Credit Check in 2024: Get Yours Now

Here you have our top 7 options for getting a $250 loan today with no credit check, carefully selected by our team of specialists: 

Send your application now by clicking the name of your favorite lender, to get the $250 you need as soon as possible.

If you need more information about each lender before choosing one, then the following reviews will bring you all the details you need to make a good decision.

1. Fast Money Source: Best $250 Loan No Credit Check

Fast Money Source

Fast Money Source is the best way to get $250 without a credit check because they charge a low interest rate (rivaling Fast Loans Group closely), they offer a high approval rate for bad credit, unemployed and limited credit history customers, they bring you flexible payment schedules (both short term and long term), you can get approved instantly and receive the money same day, and you can borrow more money once you become a client.

It’s easy to see why Fast Money Source is our #1 way to get a $250 loan no credit check - because they offer all the benefits that matter to you as a borrower.

2. HonestLoans.net: Fastest Approval and Disbursement


If you need money urgently then, HonestLoans.net is the best way to get $250 quickly even with bad credit because they won’t perform a credit check. And they couple their offer with one of the lowest interest rates in this category, to help you save money at the same time.

Another benefit from this platform is that they don’t ask intrusive questions about why you need the money, making it easy for you to get $250 for any purpose.

HonestLoans.net is a solid choice by all means, only keep in account that you might have to compare different offers since they’re a broker, and that this service is not available in all US states.

3. Fast Loans: Lowest Interest Rate

Fast Loans

Some lenders charge abusive interest rates and fees to customers who are looking for a no credit check loan, but here’s Fast Loans to solve this problem in the industry. Thanks to their massive network of direct lenders, they can offer you a $250 loan with the lowest interest rate in the majority of cases.

Be it that you opt for a short-term or a long-term (installments) payment schedule, they will always offer you the best possible APR, so you can save money and rebuild your credit at the same time.

Only keep in mind that Fast Loans can take up to 1 business day to disburse the money, even though the approval is instant. 

4. Credit Clock: Best for $250 Emergency Loan

Credit Clock

Credit Clock is a fast lender that won’t hard check your credit score when evaluating your application, and the best thing is that they can approve it and disburse the $250 at any time of the day… 24/7 availability. That’s why it’s our favorite lender when you need a $250 emergency loan without a credit check, especially since it’s disbursed fast and they will only charge a fair interest rate.

Another excellent aspect of Credit Clock is their efficient customer support service - so you can get the answers and solutions you need as soon as possible.

Only keep in mind that, even though they won’t do a credit check, they have stricter requirements when it comes to verifying your income source and level.

5. Heart Paydays: Best for Limited Credit History

Heart Paydays

If you request a loan from a bank or a “leading” lender but you have a limited credit history, then chances are they will reject your application. They just don’t understand you - but here’s Heart Paydays to solve this situation, by offering you the highest approval rate for customers with a limited credit history or even zero credit activity.

6. Low Credit Finance: Best for Low Income or Unemployed

Low Credit

If you have lost your job and/or you have an alternative income source that has just started to pick up, then most banks will dismiss your application, even if it’s just $250 dollars. But Low Credit Finance is ready to offer you the loan you need, even if you’re unemployed or classified as “low income”.

You can get accepted even with a minimal income from a new venture you’ve just begun - because they are open to all sorts of alternative income sources. Only keep in mind that the interest rate might be a bit higher than average.

7. Big Buck Loans: Highest Overall Approval Rate


If you just want to get accepted by a reputable lender that will lend you $250 as soon as possible, then you should apply at Big Buck Loans, because this company accepts 9 out of 10 customers, making it an amazing 90% approval rate. 

Be it that you’ve failed to pay back a loan in the past, you’ve just lost your job, or any other issue, Big Buck Loans is ready to review your application immediately, approve it and then proceed to release the funds as soon as 15 minutes.

Only keep in mind that their average APR is a bit higher than expected and that this service is not available in all states.

Brand Summary Score
Fast Money Source No Credit Check needed  10/10
HonestLoans.net Fast Approval Process 9.5/10
Fast Loans Low Interest Rates 9/10
Credit Clock Good for Emergency Cash  9/10
Heart Paydays Limited Credit History  8/10
Low Credit Finance Good for Low Income 8/10
Big Buck Loans Good for Bad Credit  8/10


How to Apply for a $250 Loan No Credit Check

If you have never applied for an online loan before, then worry not because it’s extremely simple:

  • Choose a lender from our list
  • Visit their website
  • Fill out the application form
  • Send the application form
  • Wait for approval
  • Receive the $250 in your bank account when approved.

Since our recommended lenders are the fastest in the industry, you will receive a notification of approval within minutes and they will proceed to disburse the $250 dollars the same day.

Now, some lenders will have different requirements, that’s why it’s critical to choose the lender that is most likely to approve you. If your credit is extremely bad, then you know the answer, and the same if you are currently unemployed.

What is a $250 Loan No Credit Check?

It’s a loan that will grant you $250 USD without performing a credit check. It’s an ideal choice for people with bad credit because these lenders won’t take your credit score into account at the hour of approving your application. And since there won’t be any hard credit check, these lenders won’t affect your credit score negatively.

Therefore, a $250 loan no credit check is popular amongst customers with bad credit, limited credit history, low income, who are currently unemployed or who are trying to repair their credit score.

You can pay it back in the short-term (7-28 days if you opt for a payday loan), or over several months in case you opt for a $250 installment loan. Our recommended lenders will put different options at your disposal, to choose the one that meets your needs and goals the best.

The cost of this loan will depend on the type of payment you choose. You can either opt for an APR, or you can opt for a flat fee per every $100 you borrow, which can range from $5 to $30 in the majority of cases.

Other than these factors, a $250 loan with no credit check works the same way as a regular loan.

How Can a $250 Loan Be Approved without a Credit Check?

The majority of banks and lenders will perform a credit check when evaluating your application - to make sure that your credit score is good, very good or excellent, which will bring them the certainty that you will pay back on time. If your credit score is classified as Poor or Fair, then they will dismiss your application the majority of the time.

Our recommended lenders can approve your $250 loan without performing a credit check because they focus on other factors such as…

  • Your education
  • Your income level
  • Your income source
  • Etc.

As long as you have a verifiable source of income that satisfies their eligibility requirements, then you will stand a high chance at getting approved and receiving the money fast. And since there’s no hard credit check that would damage your credit score even more, you can apply for it without consequences.

These lenders use their own advanced systems and software to verify that the information about yourself and your income source are 100% true. This is how they are capable of bringing you a notice of approval almost instantly, and proceed to disburse the money the same day.

Requirements for Obtaining a $250 Loan No Credit Check

If you want to find out if you will be eligible for obtaining a $250 loan without a credit check, then here you have the list of requirements:

  • You must be a US citizen or permanent resident
  • You must be at least 18 years old
  • You must have a verifiable source of income
  • You must have a phone number and/or email address
  • You must have a bank account

You can clearly see how easy it is to qualify for this type of loan - even with bad credit, no credit history or if you are unemployed. You can get the $250 you need thanks to our recommended lenders.

Types of $250 Loans with No Credit Check

Even though it looks like a simple loan, there are actually different types that you should get to know before choosing a lender from our ranking.

$250 Loan No Credit Check Instant Approval and Disbursement

Also known as the emergency $250 loan no credit check, it’s a type of loan that will be approved instantly and that will grant you the money as soon as possible. Even though all of our recommended lenders are fast, HonestLoans.net tends to approve and disburse loans the fastest, and Big Buck Loans is another solid choice here because they can also deposit the loan money in as little as 15 minutes.

$250 Loan No Credit Check for Extremely Bad Credit

A hard credit check will hurt your credit score even more, and it’s totally unnecessary when you already have bad credit. That’s why this type of $250 loan is the ideal choice if you are in this situation, so you can get approved fast and receive the money the same day. The best choices for this case are Heart Paydays, Big Buck Loans and HonestLoans.net.

$250 Payday Loan No Credit Check 

If you want to pay the loan back as soon as possible, then you should opt for the payday loan mode. This way you can pay back the $250 USD in 7-28 days, and hence, reduce the total cost of your debt. Also, if you’re employed, then it will be easier for you to get approved even if you have bad credit or a limited credit history. 

$250 Loan No Credit Check for Unemployed Customers

These loans are especially made for unemployed customers who urgently need a $250 loan without credit check. Even though all of our recommended lenders offer this type of loan, the best option to get it from is Low Credit Finance because they accept alternative income sources and can accept a lower level of income when evaluating and approving your application.

Pros and Cons of a $250 Loan No Credit Check

The following table will help you to quickly compare the advantages and disadvantages of this type of loan, to let you see if it’s the right choice for you or not.




Easiest way to get $250 if you have bad credit

APR can be higher than average

Best way to get $250 if you don’t have credit history

This loan is not available in all states

Excellent alternative loan for low income and unemployed customers


Fast approval and same day disbursement


Effective solution for improving your credit


You can use the money for any purpose



The pros clearly surpass the cons, especially if you have bad credit and need $250 as soon as possible. With that said, the choice is clear: it’s an excellent idea to apply for a $250 loan with no credit check today because it’s the easiest way to get the money you need as soon as possible.

Best Alternatives to a $250 Loan No Credit Check

If you want to explore other options beside this loan, then here you have the best alternatives. We will explain to you their own pros and cons, to help you make a good decision.

Smaller Loans

In case you’ve arrived at the conclusion that you need less than $250, then you can opt for a $100 loan instead, so you can cover your unexpected expenses without problems. The main advantage here is that you will reduce the cost of your loan, and help you manage your finances with more responsibility. And it’s easier to get approved for such a loan, even if you are unemployed or your credit is extremely bad.

Bigger Loans

Have you realized that you will need more than $250 to cover your emergency expenses? That’s not a problem, because you can also apply for a $500 payday loan for example, or if you need more money, then you can also Look at these options. And for bigger amounts, you can find other suitable offers.

For example, let’s suppose that you need $50,000 - then you can apply for a high risk personal loan, which can easily bring you the money you need by meeting minimal eligibility requirements.

Installment Loans

If you are not fond of payday loans because you don’t like their short-term nature, then you can opt for an installment loan instead. You can pay it back over several months, especially if you want to get more than $250 USD. However, keep in mind that the APR might end up making the loan more expensive than anticipated.

Now that you know about all of these alternatives, it will be easier for you to choose the perfect loan for your own needs and goals.

Cash Advance

If you are not unable to get approved for a loan, but you have a credit card, then you can request a cash advance for $250. Simply put, the credit card company will transform your credit line into cash that you can use as you wish. The downside is that you will have to pay a higher interest rate and fees, making our recommended loans a much better alternative, because they can accept you even with extremely bad credit.


If you want to know more about the $250 loan no credit check, then find the answers to the most frequently asked questions about it below.

Does a $250 loan no credit check offer instant approval?

In the majority of cases, yes. Our recommended lenders can approve your application instantly if you meet all the eligibility requirements, but keep in mind that the disbursement can take anywhere from 1 to 24 hours. If you want to get a fast $250 loan, then the best choice would be HonestLoans.net, ZippyLoan or Credit Clock, because they’re the fastest lenders from our list.

Can you get a $250 loan no credit check in California?

Yes, you can get a $255 loan no credit check in California because the state laws and regulations allow payday lenders to lend a max of $300 USD at a time. This why other options such as $255 loans and $300 loans are especially popular in this state.

Are $250 loans without credit check guaranteed approval?

No, you won’t be approved automatically unless you meet all the eligibility requirements. Any lender that offers guaranteed approval before evaluating your profile and the information on your application is likely to be a scam.

Is a $250 loan without credit check the same as a payday loan?

Payday loans are only one kind of the many $250 loans without a credit check that you may get from our partner lenders. You can also choose between a cash advance and an installment loan, which you can repay over a period of weeks or months.

Can I get a $250 loan without credit check if I’m unemployed?

Yes, you can still get accepted if you don't have a job right now. Lenders like Low Credit Finance are sympathetic to your plight given the widespread layoffs that will occur in 2024, and they will approve your loan application with ease if you can satisfy their minimal qualifying standards, which allow for alternate sources of income.

What happens if I don’t pay back a $250 loan?

You may be subject to costly costs and special penalties if you default on the $250 loan without a credit check that you wish to apply for. Furthermore, you will lower your credit score, and in the event that you do not repay the loan, it will appear as a default on your credit report, making it very hard for you to obtain credit from any other bank, corporation, or lender.