There was a time when the mistakes of the past were enough to make getting a loan anytime in the future very difficult indeed – this was especially true when seeking unsecured loans. However, it is possible to get unsecured personal loans with no credit check, which effectively means a bad credit history is ignored.Securing such a loan depends on the applicant ticking some key boxes. And, while in some cases getting loan approval fast can be assured, this depends on the size of the loan and the lender. So, there is nothing guaranteed.However, there is no doubt that the chance to get an unsecured personal loan with which to deal with existing debt is there to take. All that is needed is to meet the basic criteria and prove income is enough to make the repayments.How They WorkBasically, getting unsecured personal loans with no credit checks involves nothing more than the lender ignoring the credit history of the applicant. The thing is that, in doing so, the lender is taking on a large risk. It may depend on the size of the loan, but there is a greater chance that the lender will lose money.For this reason, the interest rate charged is typically higher than normal, while the loan limit is usually quite low. Larger loans can be secured if some collateral is provided, or a cosigner, but then this changes the status of the loan to a secured loan. Nevertheless, getting loan approval fast is practically guaranteed.However, as with any unsecured personal loan, proof that repayments can be made without any problem is essential. So, lenders will take a very careful look at income, and the income-to-debt ratio, to establish the ability to meet repayments.Alternative Loan OptionsThere are other sources for unsecured personal loans with no credit check which are arguably more likely to end in approval. The first is a payday loan, which requires no security but can place real pressure on the borrower through the repayment schedule. The loan is secured against a paycheck, and the repayment schedule can be as short as 30 days.This means that a low loan limit exists, usually only as much as $1,500, so the funds can only help in clearing debts to a certain extent. Also, the interest rate charged is very high. However, getting loan approval fast is guaranteed, so long as the criteria is met.The second option is a family loan, with a family member agreeing to loan the funds needed. As an unsecured personal loan that requires no credit check, this is arguably the best. The terms are informal, which can mean no interest to be paid. However, writing the terms down at the start is important if confusion is to be avoided.Finding the Best TermsLooking online for a lender that is willing to grant unsecured personal loans with no credit check is a sound strategy but it is important to take care when doing so. First of all, draw up a shortlist of the best offers, then check those lenders out with the Better Business Bureau website to ensure they are who they claim to be. When satisfied, contact those lenders directly.Getting loan approval fast is always preferred, but it is better to take time over the issue instead of being caught out with hidden charges. But with enough care, any potholes can be avoided pretty well. Then the unsecured personal loan that is needed can be attained.