{"id":1285,"date":"2020-05-29T14:13:57","date_gmt":"2020-05-29T14:13:57","guid":{"rendered":"https:\/\/www.lendnation.com\/getting-a-loan-with-no-credit-history\/"},"modified":"2025-07-30T17:29:22","modified_gmt":"2025-07-30T17:29:22","slug":"getting-a-loan-with-no-credit-history","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/getting-a-loan-with-no-credit-history\/","title":{"rendered":"Getting a Loan with No Credit History"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2020-05-29T14:13:57+00:00\">May, 2020<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Getting a Loan with No Credit History<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/05\/no-credit-history-loans.jpg?w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/05\/no-credit-history-loans.jpg 1000w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/05\/no-credit-history-loans.jpg?resize=300,150 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/05\/no-credit-history-loans.jpg?resize=768,384 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>It\u2019s a common predicament in the United States: You can\u2019t get a loan without credit history, but you need a loan to begin building your credit history. And you need credit history for just about anything these days, including renting a home and getting a job.<\/p>\n\n\n\n<p>So, what can you do? We\u2019ve put together ways you can begin building your credit history, as well as loan options for those whose credit history is a blank slate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ways-to-begin-building-your-credit-history\">\n<strong>Ways to Begin Building Your Credit History<\/strong><\/h2>\n\n\n\n<p><br>When you\u2019re first beginning the process of building your credit history, it can be tempting to try and find every single way possible to start seeing that credit score to tick up. But take caution and don\u2019t take out more credit than you can handle. This list includes ways to build your credit that include both loans and non-lending related options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-go-to-college\">Go to College <\/h3>\n\n\n\n<p><br>Who knew that <a href=\"https:\/\/blog.credit.com\/2017\/12\/most-renters-dont-know-how-their-bills-affect-credit-scores-99742\/\" target=\"_blank\" rel=\"noopener\">improving your education can also improve your credit score<\/a>? That\u2019s, of course, only if you take out student loans to pay for those classes and pay them on time. Student loans can be offered <a href=\"https:\/\/studentaid.ed.gov\/sa\/types\/loans#types\" target=\"_blank\" rel=\"noopener\">through the federal government<\/a>&nbsp;at relatively low interest rates, and often stay owned by the government so you don\u2019t have to go through the hassle of having ten different lenders who own your loan over the life of it. Plus, you\u2019re getting your education to improve your job prospects and income over time. Many community colleges and local universities offer evening and online classes, so even the busiest of us can find time to get smarter.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-apply-for-a-secured-credit-card\">Apply for a Secured Credit Card<\/h3>\n\n\n\n<p><br>When you need to begin building your credit, one popular route to take is to get a secured credit card. Simply put, secured credit cards are credit cards that are backed by funds you provide. Here\u2019s how it works: You apply for the card just like you would a standard, unsecured credit card. Underwriting processes are performed, and the credit card company determines how much your secured credit line can be. It\u2019s sometimes as little as $200 and as much as $1,000<\/p>\n\n\n\n<p>Basically, you give the credit card company money and they give you an equal amount of credit available on the credit card. Each month you pay on time, it begins to build your credit history and score. Better yet, pay off your balance each month and watch that score tick up. Most credit card companies offer the ability to transfer it to a standard credit card after a few months of on-time payments.<\/p>\n\n\n\n<p>Just because you have the money to put on it doesn\u2019t mean you\u2019ll get approval for a secured credit card, though. Some companies have certain requirements, like having an active bank account. Just make sure that before you apply, you meet all minimum requirements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-balance-variety-with-amounts-of-accounts\">Balance Variety with Amounts of Accounts <\/h3>\n\n\n\n<p>It is often recommended you have a variety of accounts on your record. For example, someone with just a student loan wouldn\u2019t be viewed as positive as someone with a student loan and a secured credit card. But beware: too many accounts and too much credit utilization can have a negative impact on your score. <a href=\"https:\/\/www.myfico.com\/credit-education\/credit-reports\/credit-checks-and-inquiries\" target=\"_blank\" rel=\"noopener\">Equifax says<\/a>&nbsp;that an excess of credit inquiries in a short period of time can bring your score down &#8211; so pace yourself as you consider new avenues of credit. Options include a car loan, department store credit cards, and secured lines of credit &#8211; all types of loans that offer opportunities for those with no credit history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-keep-your-existing-accounts-open\">Keep Your Existing Accounts Open<\/h3>\n\n\n\n<p>A small but important aspect of building your credit history includes keeping active accounts, well, active. The age of your oldest account, whether or not you\u2019ve used them recently &#8211; <a href=\"https:\/\/www.creditkarma.com\/advice\/i\/what-affects-your-credit-scores\/\" target=\"_blank\" rel=\"noopener\">all this can help lengthen your credit history<\/a>. Also, keeping accounts open helps to increase your credit utilization, which does have a pretty large impact on your score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pay-your-bills-on-time\">Pay Your Bills on Time<\/h3>\n\n\n\n<p>While utility payments, cell phone payments, and rent payments <a href=\"https:\/\/www.thebalance.com\/protect-your-credit-score-960516\" target=\"_blank\" rel=\"noopener\">don\u2019t get reported<\/a>&nbsp;to credit bureaus, non-payment might. When you don\u2019t pay bills, even after the company attempts to make restitution with you, they will send the bills to creditors and report it to the credit bureaus. It can take years for this kind of information to fall off your credit history.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-loans-for-little-to-no-credit-history\">\n<strong>Loans for Little to No Credit History<\/strong><\/h2>\n\n\n\n<p>As you build your credit by other means, getting a loan with no credit history is possible! Check out these options for cash with little to no credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-online-payday-loans\">Online Payday Loans <\/h3>\n\n\n\n<p><a href=\"https:\/\/www.lendnation.com\/services\/payday-loans\/\">Payday loans<\/a> are just like they\u2019re described &#8211; they are short-term loans that are paid back by your next paycheck. You don\u2019t need a high credit score \u2013 or a long credit history to be approved for a payday loan. Find out if the lender performs a credit check and if it a soft or hard inquiry. That might impact your score while you\u2019re trying to create credit history.<\/p>\n\n\n\n<p>A major plus to getting a payday loans is that you can apply online any time anywhere. Upon approval, money is typically directly deposited into your bank account the next business day. At LendNation, you can get your money even faster with instant debit card funding. Money is typically transferred to your debit card in 30 minutes or less.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-co-signed-loans\">Co-Signed Loans<\/h3>\n\n\n\n<p>Do you have a friend or family member that is in good financial standing that may be willing to help you get a loan? They can co-sign for a personal loan that will be on both your credit history and theirs. Co-signing means that another person is willing to vouch for you to a bank, that if you are unable to pay the loan, they will be responsible for repayment. Lenders are willing to give loans to those with little credit history or a less-than-perfect credit score, because they know the good financial standing of the co-signer will better ensure they get paid back.<\/p>\n\n\n\n<p>Asking a friend or family member to co-sign a loan for you can be a scary prospect. Only ask them if you are positive that you will pay back the loan no matter what. Consider <a href=\"https:\/\/www.thebalance.com\/co-signing-how-to-find-a-co-signer-315537\" target=\"_blank\" rel=\"noopener\">ways to approach the friend or family member<\/a>&nbsp;about co-signing the loan and do all the research about their liability beforehand.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-larger-loan-options\">Larger Loan Options <\/h3>\n\n\n\n<p>Payday loans aren\u2019t your only option for a loan at LendNation. For some, the very small amounts allowed in a payday loan don\u2019t appeal to them; they need more than a $1,000 loan. That\u2019s where <a href=\"https:\/\/www.lendnation.com\/services\/installment-loans\/\">Installment Loans<\/a>&nbsp;come in. LendNation offers installment loans that don\u2019t require perfect credit &#8211; anywhere from $1,000 to $4,000 dollars in some states. Every state is different regarding installment loan lending rules, so make sure to check what your state allows. If you need more cash, LendNation also offers Title-backed Installment Loans, that use your car\u2019s value to back, or secure, the loan.<\/p>\n\n\n\n<p>Here\u2019s the thing about building your credit history: History takes time. You want to ensure that your blank slate is filled up responsibly and with good financial choices rather than starting out by taking on more credit than you can handle and not paying your bills on time.<\/p>\n\n\n\n<p>For those with no credit history looking for an online payday loan to help with sudden financial emergencies or to bridge the gap between paychecks, <a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">LendNation is your go-to lender<\/a>! Ask about a title loan, installment loan or payday loan today.<\/p>\n\n\n\n<p>If you\u2019re working with limited or no credit history, LendNation offers flexible loan options that could meet your needs, like a Line of Credit or Title Loan. Each option provides unique benefits, whether you\u2019re looking for ongoing access to funds or a larger sum secured by your vehicle.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-getting-a-lendnation-line-of-credit-with-no-credit-history\">Getting a LendNation Line of Credit with No Credit History <\/h3>\n\n\n\n<p>With a <a href=\"https:\/\/www.lendnation.com\/services\/line-of-credit\/\">LendNation Line of Credit<\/a>, you gain access to funds as you need them, giving you the flexibility to withdraw only the amount you require. This can be a helpful solution if you\u2019re starting to build credit, as it allows you to manage your repayment schedule and use credit responsibly. Once approved, you can continue drawing on your line of credit up to your approved limit, giving you peace of mind and easy access to cash.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-to-know-about-lendnation-title-loans\">What to Know About LendNation Title Loans<\/h3>\n\n\n\n<p>If you own a car, truck, or other qualifying vehicle, a <a href=\"https:\/\/www.lendnation.com\/services\/title-loans\/\">LendNation Title Loan<\/a> might be the right choice for you. This type of loan uses your vehicle title as collateral, which often makes it easier to get approved without a credit history. Title loans can provide you with a larger loan amount based on your vehicle&#8217;s value, making it a viable option for those who need more substantial funds quickly.<\/p>\n\n\n\n<p>Whether you\u2019re looking to build credit or find a practical solution without a strong credit history, LendNation offers a range of options designed to help you achieve your financial goals. Explore your options and find the right fit with LendNation.<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11456 post type-post status-publish format-standard has-post-thumbnail 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https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-build-emergency-savings-in-6-months-or-less\/\" target=\"_self\" >How to Build Emergency Savings in 6 Months or Less<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>If you are having trouble getting a loan due to a lack of credit, you are not alone. This article shows you how to establish your credit and how to get a loan.<\/p>\n","protected":false},"author":18,"featured_media":1286,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67],"tags":[56],"class_list":["post-1285","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-online-payday-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Getting a Loan with No Credit History - LendNation<\/title>\n<meta name=\"description\" content=\"If you are having trouble getting a loan due to a lack of credit, you are not alone. This article shows you how to establish your credit and how to get a loan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendnation.com\/blog\/article\/getting-a-loan-with-no-credit-history\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Getting a Loan with No Credit History\" \/>\n<meta property=\"og:description\" content=\"If you are having trouble getting a loan due to a lack of credit, you are not alone. 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