No Credit Check Loans

The title says it all — get fast financing with no credit check.

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  • Fast financing with NO CREDIT CHECK!
  • Fixed rates of 17.99% APR*
  • Borrow up to $2,000
  • Terms up to 12 months
  • Get funded in 24 hours!
  • 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 (Courtesy 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+, and NCCLX with the proceeds from the new loan.****

A $39.00 application fee will be debited from member’s account prior to loan being processed.

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APR = annual percentage rate. Loans from $500 to $2,000 with term up to 12 months. *Active checking defined as a minimum of one (1) transaction per month.

** 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).  from stable sources such as payroll, Social Security, or Pension. Mobile deposits, instant payroll cash advances (e.g. EarnIn, DailyPay), and unemployment direct deposits do not qualify as recurring automatic deposits.

***Delinquent loan defined as 30 days or greater past the scheduled payment date.

****May not originate more than an aggregate of two (2) loans to a member within the last six-months of the following loan types: No Credit Check Loan (NCCL), No Credit Check Loan Plus (NCCL+) and No Credit Check Loan Xpress (NCCLX). 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. 

We may provide links to third party sites, independent from Xplore Federal Credit Union. These links are provided only as a convenience. Xplore Federal Credit Union does not manage the operation or content of the website you are about to enter. The privacy and security policies of the site may differ from those of Xplore Federal Credit Union.