No Credit Check Loans up to $500

Get a good car loan deal with rates starting from 10%.

I want to borrow

Estimated repayments

$100

per week

$200

per fortnight

$400

per month

Standard term of 3 - 6 months

Your data is secure

Lets Encrypt Logo

ⓘ Loan Disclaimer

We’ll help you find a loan.

So, what is a no credit check loan?

We’re glad you asked because we offer them! Essentially, no credit check loans are a form of finance that can be offered without checking an applicants credit score. You see, traditional lenders will often require a credit check when assessing a client for a loan. Within this file will be their past seven years of financial history for all to see.

Forgot to pay a utility account years ago? That’s probably been listed, and that could be ‘no bueno’ for some lenders. Now, we’re not saying that credit checks are necessarily a bad thing. However, we don’t believe your credit history should be the be-all and end-all, especially if you’re doing fine at present.

Janko: We’re new here

Before we go on about no credit check loans, let us introduce ourselves. We are Janko, your little helper when it comes to short term finance. We offer instant loans from $100 to $500 over a term of 6 months. We’re here to shake-up the lending game within Australia! One way we have done this is by making our services 100% online and highly automated. This means we can process applications within minutes, not hours; and we can provide online loans at any time of the day!

Along with this, we do not conduct credit checks on any of our applicants. If you’ve struggled to apply for a same day loan due to ‘poor credit’, you won’t need to worry about that with Janko. How good is that?! So, if you’re short on a bill or in need of a financial pick-me-up, think Janko.

Automated processing

First came the wheel, then came the cart and then came the car. It’s no secret that technology is a primary driver for innovation, and vice-versa. It is this philosophy that has been the main stimulator for human growth over the millennia. At Janko, we have sought to capture a little of this innovation as we look to push the boundaries of the lending space. Looking for no credit check loans? Let’s discuss how we can provide them.

We have developed a system that allows applications to be assessed and approved and be highly automated. This is beneficial for both us, the lender, and you, the borrower. Not only can you apply for and receive a loan at any time of day, but we save on overhead costs because of it. Now, this isn’t even the best part. We also have the ability to automatically retrieve bank statements and transfer funds instantly to NPP-enabled bank accounts. So, you can apply, be approved and have the funds in your account within the same amount of time it takes to heat your food in the microwave. If that’s not innovation, we don’t know what is.

How does it work?

You may be asking yourself ‘how can they do this?’ Well, the answer is simple. Because we can. Sparing you the nerd talk, our development team has leveraged the power of machine learning to create custom tools that can automatically determine the affordability and creditworthiness of an applicant. Using this information, a type of in-house credit score can be built to determine whether the loan should be approved or not. We are so confident in this system that we don’t conduct credit checks on our applicants. By only analysing an applicant’s bank statements, we ensure that any past mishaps on a credit report do not affect their ability to receive no credit check loans through Janko.

What can they be used for?

Janko short term loans are no different from other forms of short term finance when it comes to what they can be used for. So, they can be used for almost anything! From bills to leisurely activities, no credit check loans from Janko could be just the thing. Take a peek below to see some of our most common reason for a loan:

  • Birthday presents
  • Utility bills
  • Car registration
  • And moving expenses

As our maximum loan is only $500, we won’t be able to help with larger expenses, but that’s not what we’re here for. When life does its thing, those small expenses can turn into big headaches. Janko can offer fast help around the clock.

No credit check loans for people on Centrelink

Since you have gotten this far, you may be wondering to yourself ‘can I still get no credit check loans on Centrelink?’ Well, you’re in luck! Janko is more than happy to assess client’s who are receiving Centrelink benefits. Whether you’re getting partial or full benefits, we may still be able to help. At the moment, we can accept any benefit as long as it’s being paid consistently into a personal bank account.

How to apply

1. Check your eligibility

It is our goal to help every Australian in need of no credit check loans. With this in mind, though, we do have some simple eligibility requirements for our applicants. So, before sending through an application, take a look below to see if you meet our criteria:

  • Over 18-years of age
  • Regular income for the last three months
  • Have access to internet banking
  • Income is paid into a personal bank account
  • Have both an active mobile number and email address

That’s it! If you tick yes to all of the boxes you could be on your way to getting a Janko loan in no time.

2. Fill out an application

Submitting an application for no credit check loans is easier than you think. As mentioned previously, our application and assessment systems are completely automatic! You don’t need to lift a finger when submitting documents as it can all be done electronically. We will ask you to provide some personal and financial information so we can get the best idea of your current position, and that’s practically it.

3. Wait for your outcome

Once you click submit, your application will be sent to the Janko-robot. This is where it will verify your income, check your expenses, work out a budget and determine whether the loan will be affordable; all within seconds! Once this process has been completed, you’ll receive an email and SMS notifying you of the outcome.

Sign the contract

If you’re approved, you will be issued with a loan contract to sign electronically. Make sure you read over the document so you’re aware of the ins-and-outs of the loan. If you sign the contract, your funds will be sent automatically and, If you have an NPP enabled bank account (which includes 95% of Aus banks), you can expect to receive the funds within seconds. If not, though, please allow at least one business day.

For quick and easy, go Janko

So, that pretty much covers everything on our no credit check loans! If you think they could be what you’re looking for, why not apply today? We could have an outcome for you before you know it!

For quick and easy finance, go Janko.

Apply now