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Loans with no credit score

Q: Is it possible to get a loan with no credit score?

Yes, Adacash offers loans without a credit score check. Approval is based on your income and financial stability, making it accessible even for those without a credit history.

Q: What types of loans are available for people without a credit score?

People without a credit score can access secured loans, no-credit-check loans, payday loans, or peer-to-peer lending. Secured loans require collateral, while no-credit-check loans may have higher interest rates.

Q: Are loans without a credit score more expensive than traditional loans?

Yes, loans without a credit score are typically more expensive due to higher interest rates and fees. Lenders charge higher rates to offset the increased risk of lending to individuals with no credit history.

Q: What are the eligibility requirements for loans without a credit score?

Eligibility typically requires proof of income, employment history, age verification (21+), residency in the country.

Q: How long does it take to get approved for a loan with no credit score?

Approval for loans without a credit score is often quick, sometimes within a few hours or the same day, especially for smaller loans. Larger or secured loans may take a few days due to additional checks.

Q: What documents do I need to provide when applying for a loan without a credit score?

You’ll need proof of identity, proof of income, proof of residence, and employment details.

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to your friends

First loan

Repeat loan (beneficial)

Loan amount

RM0

Better
conditions
for repeat customers

After you've successfully repaid your first loan, you become eligible for repeat loan with the better conditions. We increase the loan amount and loan term gradually for trusted clients.

Just login to your account to get
the available conditions

3 months

Loan term

RM5000

Increased limit is
available

5 Min

Immediate
disbursement

how
to apply

First time

Repeat loan

Step 1

Apply online

Choose the loan amount suitable for you on the main page
Provide your phone number and confirm it by OTP code we send in sms.
Submit the short application:
- - info about yourself and your job;
- - e-mail;
- - provide your bank account details;
- - attach the photos of your IC.
Confirm your e-mail

Step 2

Wait for confirmation

We will call you in case we need to clarify the information you provided
Get an e-mail with approved status of your application

Step 3

Get money

Follow the link we send you in e-mail or login to your account on our website to sign the contract online
Get the money to the bank account you provided

Apply

whom

Our service is meant for

Permanent resident of Malaysia

Age 21-70

Have a bank account

Has an income

Purposes of Loans with No Credit Score

Cover Urgent Expenses

Quickly secure loans without a credit score requirement to cover immediate expenses such as medical bills or car repairs.

Finance Essential Purchases

Use the loan to purchase necessary items like groceries, household items, or appliances, even without a credit score check.

Bridge Temporary Cash Flow

Manage cash flow gaps during irregular income periods, ensuring you can meet your financial obligations promptly.

Address Unexpected Situations

Get quick financial help for unplanned events like family emergencies, urgent repairs, or unexpected travel costs.

Repay Short-Term Liabilities

Use the loan to pay off short-term debts or bills, consolidating them into one manageable payment, with no credit history needed.

Fund Home or Vehicle Repairs

Secure funds for home or car repairs to address immediate issues and prevent further damage without requiring a credit check.

Finance Special Occasions

Use the loan for special celebrations like weddings, birthdays, or anniversaries, ensuring you can enjoy the moment without waiting.

With our loan service,
you can access quick cash for any purpose

Take the first step and apply now!

submit an application

Advantages
of Loans with No Credit Score

No Collateral Required

No need to provide assets or collateral, making the process faster and more accessible.

Fast and Easy Application

Apply online with minimal documentation, saving time and effort while getting quick approval.

Apply Anytime, Anywhere

Submit your application from any device, anytime, without the need to visit a branch or wait for office hours.

Flexible Loan Amounts

Borrow the amount that suits your needs, whether it’s for personal expenses, debt consolidation, or home improvements.

Clear and Transparent Terms

All loan terms, including interest rates, repayment schedules, and fees, are clearly outlined upfront for full transparency.

Maximum Data Security

Your personal and financial data is encrypted and securely processed to ensure maximum protection throughout the process.

Apply

What is the loan term?

Minimum loan term:

92 days

Maximum loan term:

92 days for first loan and 180 days for repeat loan

Example

The loan is
calculated as follows

Loan amount:

RM1000

Loan period:

92 days

Interest rate (18% / year):

RM45

Total payment:

RM1045

The 18% interest rate is applicable to all loans consulted

Adacash do not require you to pay off the loan within 92 days.

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FAQ About Loans with no credit score

Is it possible to get a loan with no credit score?

What types of loans are available for people without a credit score?

Are loans without a credit score more expensive than traditional loans?

What are the eligibility requirements for loans without a credit score?

How long does it take to get approved for a loan with no credit score?

What documents do I need to provide when applying for a loan without a credit score?