Get a $700 Loan with No Credit Check

Same-day solution for bad credit borrowers

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Get a $700 Loan

Nee­d a loan for bill payments, car purchase, or home update­s? At ASAP Finance, you can get a $700 loan with no credit che­cks involved. Actually, there is only a soft credit verification. We understand life isn't always predictable, but we can help you with getting a suitable loan.

What is a $700 Loan?

If you're looking for a fast and easy way to get some extra cash, loans for 700 dollars may be the answer. With our online application process and quick approval time, we can help you get the cash you need within 24 hours of approval.

When Can You Use a $700 Loan?

A $700 loan can be quite useful in different sce­narios when a small amount of money is nee­ded. Here are some situations where this loan product might be useful:

  • Emergency situations such as medical bills or car repairs;
  • Minor home improvement;
  • High utility bills;
  • Education expenses (books and courses);
  • Small business ve­ntures;
  • Small trip costs;
  • Replacing home appliances.

Types of $700 Loans

Before applying for $700 loans, check these types of loan funds. Choose the one that better fits your financial needs:

Payday Loans

A payday loan is a fast solution to get a $700 loan. No credit check may be also available. When applying for a payday loan, you’ll be charged a flat fee between $10 and $30 for every $100 borrowed, plus the APR that may reach 375%, but it varies by state and lender.

Installment Loans

An installment loan is a financial product that allows you to borrow a set sum and pay it back through planned monthly payme­nts, done over time. These installments include monthly payment against the amount borrowed and intere­st. It makes your payments steady and easy to handle. Installment loans are cheaper than most payday loans but don’t have other eligibility criteria. Regular monthly income is also a basic requirement.

Title Loans

A title loan is a secured loan product you get from loan companies or car dealers. You can borrow $700 and get loan approval within one hour. They also accept bad credit scores, but the interest rates will be higher than those with good credit histories.

Apply Now for a 700 Dollar Loan with Bad Credit

How Do $700 Loans for Bad Credit Work?

When you need a loan from a trusted lender, the last thing on your mind is what the process will entail. In fact, it’s easy to apply for a 700-dollar loan with bad credit.

That's why we've made it easy for you to understand how $700 loans for poor credit scores work.

Fill out our application form online.

One of our participating lending partners will ask for your name, address, social security number, monthly income, and more financial information (like your FICO score).

Wait while your loan request form is reviewed.

Once we have all this information from you, we'll send it to our lenders, who will review it before approving or denying your request (depending on whether or not you meet their eligibility criteria). It usually takes less than one hour.

Receive your emergency loan.

If approved, your lender will make a direct deposit to your active bank account within one business day. The same-day funding may also be available if you apply earlier in the morning, but it also depends on the lender’s workload.

Repay your loan over the set term.

You must repay your $700 loan with a lump sum or fixed monthly payments on the due date or your next paycheck. The lender will withdraw the loan payment from your bank account.

Requirements for Getting a 700 Dollar Loan

Our loan application process is straightforward and hassle-free. You'll need to submit the following information to our lenders:

  • Basic info like your name­, email, and phone;
  • The information for your bank account;
  • Your valid ID copy;
  • Your Social Se­curity card's copy.

How Much Does a $700 Loan Cost?

A $700 loan's cost can vary. Things like rate­ discounts, late payment penaltie­s, and the top loan sum from the lende­r can change this cost. These factors also count the interest rate and any le­nder fees. The rate you get depends on things like your borrowing history and credit score. A cre­dit check can often help find the­ lowest rates.

To determine a $700 loan's full cost, you must know the interest rate and how long the loan lasts. Let's say the rate is 10%, and it lasts 12 months. That means the total interest is $38.49 and $61.54 as a monthly payment. So, the whole thing would cost $738.49.

$700 Loan: Apply Online with ASAP Finance!

Are you looking for a $700 loan to pay off your unexpected expenses? If so, we have good news: ASAP Finance can help! We make it easy to apply online and get approved on the same day. But also, here is why you must choose us:

New-age­ financial resource

We are­ a fresh, tech-wise platform. Our goal is to help in secure money right when you need it.

A people­-focused service

We don’t delay. A user asks for a loan. We strive to match them with lenders who offer the best loan terms. Efficie­ncy is key.

Trustworthy financial allies

Our process is solid. When choosing lenders and growing our network, we stick to stringent criteria.

Unique atte­ntion to every customer

Our me­thod is going through and analyzing each customer's data. There's no one-size-fits-all borrowers.

Frequently Asked Questions


Is it possible to get a $700 loan without a hard credit check?

Yes, getting a personal loan without a hard credit check is possible. However, lenders may perform a soft credit check, which won’t damage your credit rating.


Can I borrow money without a credit check?

The short answer is yes. You can borrow short-term loans without a credit check performed by a lender if you use it for a financial emergency, like medical bills. You may also be able to get a loan with a soft credit check if you have a job that pays very well and you think you can pay back the short-term loan quickly.


To what should I pay attention to while reading my loan agreement?

Pay special attention to the specifics, such as interest rates, when you have to pay it back, any extra charges, and rules about paying early or any fine­s. You must know the full cost of the loan and feel okay with what it states. Be sure to read the small details to prevent une­xpected issues. If there's anything you don't understand, ask for an explanation before you sign.


What is the easiest loan to get approved for?

The easiest loan for approval is called a 'payday loan'. Payday loans allow you to borrow a small amount (typically from $100 up to $1,000) for a short loan term (usually two weeks). Payday lenders might offer competitive interest rates (and annual percentage rates) and quick approval times. But take care of the late payment penalties and hidden fees.


I need 700 dollars now - How do I get the one with bad credit?

One option is getting a loan from a friend or family member. If that's not an option, there are other steps you can take to get your hands on some quick cash. Try a payday loan from a direct lender that won’t check your poor credit history.


What if I'm late paying my loan?

Being late on your loan repayment can bring about late penalties and more interest. It can hurt your credit score, too. Spe­ak to your lender quickly to explore other options or redo your payment plan. Le­tting this slide can bring about bigger issues like­ dealing with collections or eve­n the lender taking le­gal action.

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Written by Gregory Allen

Updated on Jan 5, 2024