✅ Navy Federal Credit Union (USA) – www.navyfederal.org

Type: Physical + Online
App Available: ✅ Yes (iOS & Android)
Physical Branches: ✅ 350+ locations in the USA
Loan Amount: $250 – $50,000
APR: 7.49% – 18.00% (based on creditworthiness)
States Available: All 50 U.S. states
Funding Time: Same day to 1 business day
Department Name: Personal Loans Department / Loan Services Desk

Applying Procedure (Physical Branch):

1. Visit the nearest Navy Federal Credit Union branch

2. Go to the Loan Services Desk

3. Request a “Personal Loan” application

4. Speak to a loan officer and fill out the physical application form

5. Provide required documents (listed below)

6. Application reviewed on the spot or within hours

7. If approved, sign the agreement

8. Funds will be deposited into your account same day or next day

Documents Required:

• Government-issued ID (e.g., driver’s license or passport)

• Proof of income (recent pay stubs or tax returns)

• Employment details or offer letter

• Proof of address (utility bill or lease)

• Bank statements (optional but may help)

• Navy Federal member number (if not a member, you must first join)

✅ Meridian Credit Union (Canada) – www.meridiancu.ca

Type: Physical + Online
App Available: ✅ Yes
Physical Branches: ✅ 90+ in Ontario, Canada
Loan Amount: $500 – $35,000
APR: 6.99% – 21.99%
Provinces Available: Ontario
Funding Time: 1–2 business days
Department Name: Loans & Mortgages / Member Services

Applying Procedure (In Branch):

1. Visit your local Meridian Credit Union branch

2. Ask to meet a Loans & Mortgages Specialist

3. Fill out the paper loan application

4. Discuss terms, interest rate, and repayment schedule

5. Submit your documents to the advisor

6. Wait for a decision (same day or next day)

7. Review and sign loan agreement

8. Funds are disbursed to your account

Documents Required:

• Valid photo ID (passport, driver’s license, etc.)

• SIN (Social Insurance Number)

• Proof of address (recent utility bill or lease)

• Income verification (2 recent pay stubs or Notice of Assessment)

• Recent bank statements

✅ Ontario Works – Emergency Assistance Loan (Canada) – www.ontario.ca/page/ontario-works

Type: Physical Application Only
App Available: ❌ No
Physical Branches: ✅ Government offices across Ontario
Loan Amount: Up to $1,000 (for emergencies only)
APR: 0% (government support, no interest)
Available In: Ontario only
Funding Time: 1–3 days
Department Name: Emergency Assistance / Ontario Works Financial Aid Office

Applying Procedure (In-Person):

1. Visit the Ontario Works office in your local municipality

2. Ask for the Emergency Assistance Desk

3. Complete the paper-based “Emergency Financial Assistance” application

4. Discuss your emergency situation with a caseworker

5. Submit supporting documents (see below)

6. Your file is reviewed within 24–48 hours

7. If eligible, funds are transferred to your bank or provided via cheque

Documents Required:

• Valid government-issued ID

• Proof of income or financial hardship

• Rent or utility bills showing overdue amounts

• Bank statement (last 30 days)

• Medical bills or emergency-related documents

• SIN (Social Insurance Number)

✅ Vancity Credit Union (Canada) – www.vancity.com

Type: Physical + Online
App Available: ✅ Yes
Physical Branches: ✅ 55+ in British Columbia
Loan Amount: $1,000 – $50,000
APR: 8.00% – 19.50%
Available In: British Columbia
Funding Time: 1–2 business days
Department Name: Lending Services / Member Services

Applying Procedure (In Branch):

1. Walk into your nearest Vancity branch

2. Go to the Member Services counter

3. Request to speak to a Loan Advisor

4. Fill out the in-person loan application

5. Submit your documents

6. Get a decision within 1 day

7. Sign loan paperwork and receive funds

Documents Required:

• Photo ID (passport or Canadian driver’s license)

• SIN (Social Insurance Number)

• Proof of address (utility bill, lease)

• Proof of employment and income (pay stub or letter)

• Banking history (may require 3 months of statements)

Frequently Asked Questions

Can I really get a loan without a credit check?
Yes, many lenders offer no credit check or soft credit pull loans. However, these often come with higher interest rates.

What’s the difference between a hard and soft credit check?
A hard check impacts your credit score and appears on your credit report, while a soft check does not and is only used for pre-approval.

Are no-credit-check loans safe?
If you apply through a licensed lender or credit union, they are safe. Avoid any lenders that ask for upfront payments.

What documents do I need to apply?
Typically, you’ll need ID, proof of income, bank details, and sometimes proof of address or SIN/SSN.

Can I apply if I’m unemployed?
Some lenders accept alternative income sources like unemployment benefits, government aid, or gig economy work.

How fast can I get funded?
Funding timelines vary. Some lenders offer same-day funding, while others take 1–3 business days.