The process of trying to get a personal loan can be frustrating and downright painful, if you have bad credit or no credit history. Bad credit is a result of not paying your bills on time, having too much debt, charge-offs and/or a bankruptcy on your credit file. This very reason raises a red flag when you apply for a loan.

If your credit score is below 600 and you need a fast personal loan that you must have in one day or one week - your best option is a short term cash advance loan. Specifically, you will need a no credit check cash advance loan lender. "No credit check personal loans" are instant cash loans that do not require the lender to pull your credit report. This is advantageous for two important reasons:

1. The lender never knows your credit score, be it 480 or 500.

2. The lender does not make an inquiry against your credit report. This is very important because too many inquiries against your credit report will negatively impact your credit score. The reason is as follow: when other lenders see that you have too many inquiries against your credit report, they assume that you are in over your head and taking out multiple loans. Multiple outstanding loans reflect finances that are out of control.

Once you find a no credit check cash advance loan company, do your research to understand the lender's loan amount ($250, $500, $750, $1000 or $1500), cash delivery timeframe (1 hour or same day 24 hours), fee schedule, and repayment period (2 weeks, 4 weeks).