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A: You should consider any lender offering such loans with caution. Such lenders' loans are generally much more expensive than other lenders, simply because they argue that they are taking a much greater risk with someone who has bad credit, and no co-signer. You should exhaust all other options before approaching these lenders. No Credit Check Loans - No credit reports are run, and no minimum credit score is required. If this is what you wanted to know and are interested in a loan with them, you can apply for a payday loan with 100DayLoans. These days, a consumer’s credit rating counts for a lot, and it seems like every time you turn around, someone else is checking your credit. Banks, credit card companies and various types of lenders of course make it a habit to check into an individuals credit history when that person is applying for a loan or credit card, but insurance companies, landlords and even employers routinely look into individuals’ financial backgrounds as well. 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