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Current Rates, News & Information
Everyone experiences a financial emergency at least once in their lives, but not everyone is fully prepared to handle one. Whether it’s an unavoidable car repair or costly trip to the hospital, an unexpected cash need can sometimes require a personal loan to cover expenses until payday. However, what do you do if your credit score isn’t very good and it’s hard to secure a personal line of credit? You’ll likely need a no credit check personal loan to obtain the emergency cash required.
What Is a No Credit Check Personal Loan? 
Though the banking industry has made it clear to American individuals and businesses that the recession has made lending much tighter, it seems there is no shortage of funds when it comes to issuing money to payday loan companies. This is according to a new report released on Tuesday by community group National People’s Action and watchdog group Public Accountability Initiative.
Payday Loan Industry Backed by Nation’s Largest Banks
When it comes to finding the right personal loan, the bottom line for most people is going to be a favorable low interest rate. However, individual circumstances vary: Sometimes a person will need a loan sooner than a traditional lender can provide it, only need the loan for a brief period of time or they don’t have the credit history necessary to qualify for the best personal loan interest rates.
As a result, different lending options have emerged that cater to different circumstances and each will offer different interest rates. Read on to get an idea of how these different personal loan lenders compare.
If you live in Arizona and are looking forward to taking out a payday loan, you may want to look elsewhere for financial assistance. Beginning July 1, payday lenders will be forced to follow banking procedure by capping their interest rates at 36 percent annually.
This is considerably lower than the rates many payday lenders charge, which is sometimes as high as 460 percent annually. With the cap in place, most payday lenders say they won’t be able to stay in business. Those that do say they will likely shift their focus to auto title loans — which can legally push rates to 204 percent annually (AZ Central).