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Repairing Credit with the Help of Student Lenders Mutual fund fees are falling. (Photo: Thinkstock) The no credit check personal loans are excellent solutions for individuals with low income or with bad credit scores. Although there has been a lot of hype regarding the adverse effects of obtaining a no credit check personal loans . fact is lenders give consumers valuable services and much needed cash without getting a lot of profit in return. Such is not the case of pro-mortgage lenders who often receive skyrocketing profits from the ordinary consumer.