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Typically, when applying for a loan, the prospective lender will conduct a credit check (sometimes called a credit inquiry) on the borrower. A no credit check loan is a viable alternative to traditional financing for those seeking a loan but who know their credit history won’t pass muster. 


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No Credit Check Car Loan


A credit check allows a business to obtain access to a prospective borrower’s credit report from any of the three major credit bureaus — Experian, Equifax, and TransUnion. These inquiries are particularly important if the borrower requests a significant amount of money, like for a home mortgage or car loan. These reports will show the borrower’s finances and ability to pay. 


If a borrower’s credit history displays an abundance of late or missed payments, too many recently opened accounts, or a high credit utilization rate (e.g., maxing out credit cards), the lender can deny the loan application. These red flags negatively affect one’s FICO credit score as well, and borrowers rated below 600 are lacking in terms of creditworthiness. no credit check loans guaranteed approval checks exist to protect the consumer from borrowing more than they can repay and protect the lender from financial loss.


Perhaps you’ve experienced bankruptcy or dealt with collection agencies in the past, which would lead to a damaged credit rating, but have been responsible with your finances since. Or you’re a recent college graduate who’s never applied for a credit card and, therefore, have no credit history. A no credit check loan might be right for you. 


Just as the name suggests, a no credit check loan involves no credit checks. In financial-speak, these are known as subprime loans. Lenders give these loans to borrowers with a higher risk of defaulting than more favorable prime borrowers. Nevertheless, as with any financial decision, there are pros and cons to using no credit check loans.


Pros and Cons of a No Credit Check Loan

Because an automobile purchase costs significantly less than a home (and entails considerably less in terms of losses), more lenders are willing to offer no credit check car loans. And because reputable lenders that offer subprime auto financing tend to have more options in terms of financial backing, they can be more flexible concerning loan length, repayment terms, and interest rates.


The overall application process for a no credit check car loan is simple, can be done online, and with same-day approvals. Borrowers can choose to make no down payment as well. However, in place of a credit check, lenders may have other requirements before approving the loan, such as a borrower’s permanent address and proof of income.


Depending on your financial situation, however, the negatives of a no credit check auto loan may outweigh the positives of car ownership. Because subprime borrowers are considered high-risk debtors, lenders will recoup potential losses through high interest rates, which would make a no credit check auto loan the most expensive way to purchase a vehicle. 


As of August, Experian reported super-prime borrowers with FICO scores of 720 or higher to receive an average annual percentage rate (APR) of 3.65% for new car loans and 4.29% for used cars. Conversely, deep subprime borrowers (a 579 FICO score or less) average quotes of 14.39% and 20.45% APR on new and used car loans, respectively. Again, these are averages, and rates can go higher to as much as 36% (which some states have capped).


Your vehicle selection also may be limited to a specific price range based on your income. After all, lenders would rather you pay off your loan than default. And should you miss payments or abandon the loan altogether, the vehicle can be repossessed and resold.


Additionally, because no credit check is needed to obtain the loan, no credit bureau reporting by the lender is necessary, either. So, even if you make on-time payments, you’re not improving your credit score or growing your credit history. Ironically, even though no credit check car loans won’t boost your credit rating, non-payment will undoubtedly hurt it. Lenders can send your remaining debt to a collection agency, which will report delinquent borrowers to credit bureaus. 


Another thing to remember is that, unfortunately, there are dishonest businesses out there, so consider those asking for any sort of pre-approval fee or post-dated checks for advance payments as lenders to avoid. Legitimate financiers will not ask for money up front except in the form of a down payment toward your loan. Always double-check with the Better Business Bureau and confirm the lender’s contact information, especially for online financing sources. 

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Since applying for Social Security Benefits can be a difficult process, a disability attorney or advocate may increase your chances of being rewarded by helping to accurately and favorably complete the complex paperwork, ensuring that all deadlines are met, and providing you with representation at a hearing. After submitting our web form, you will receive a 100% FREE evaluation of your disability claim. Disability attorneys and advocates receive compensation if you are awarded back benefits. We have no affiliation with the Social Security Administration, the agency at which you can apply for Social Security disability at no cost.


If you have RA. Get a free evaluation today

If you have Rheumatoid Arthritis, your doctor can help you gather all the medical evidence you need to apply for Social Security benefits.

The Social Security Administration (SSA) considers rheumatoid arthritis, or RA, a qualifying disability, but it must be advanced RA to meet the SSA's eligibility requirements.


That means that your rheumatoid arthritis has to be severe that you will be out of work for at least 12 months. You must also have enough work credits to qualify for disability with rheumatoid arthritis.


You must meet the SSA's medical criteria for rheumatoid arthritis and have enough work credits, you will be able to qualify for disability benefits with rheumatoid arthritis.


Is Rheumatoid Arthritis a Disability?

Rheumatoid arthritis can be considered disability by the SSA. In order for the SSA to call your rheumatoid arthritis disability, you need to meet the medical requirements outlined in the SSA's Blue Book, which is the list of conditions that qualify for Social Security Disability benefits.


In order for the SSA to consider your rheumatoid arthritis a disability, your rheumatoid arthritis needs to be severed that you will be out of work for 12 months or longer.


Once you meet the medical requirements outlined by the SSA, you also need to meet the work requirements too. Social Security Disability benefits are for workers who can no longer work anymore because of a disability or a serious illness like rheumatoid arthritis.


In order to meet the work requirements, you need to have a certain amount of work credits. Work credits are calculated by how old you are and how long you have worked.


You can earn up to 4 work credits per year for every year you worked. If you meet both the medical and work requirements outlined by the SSA, the SSA will consider your rheumatoid arthritis disability and you can start earning Social Security Disability benefits.


Disabling Symptoms of Rheumatoid Arthritis

Rheumatoid arthritis is an autoimmune disorder, which can affect the lining of your joints, causing a painful swelling that down the road can result in bone erosion and joint deformity.


Early symptoms of rheumatoid arthritis include swollen or tender joints, which usually start in your fingers and toes. Rheumatoid arthritis gets worse, that joint swellness and joint pain can affect your knees, wrists, shoulders and hips. Over time rheumatoid arthritis can case the joints to be permanently deformed. While there is no diagnostic test for rheumatoid arthritis, you are still able to qualify for disability benefits.


Your rheumatoid arthritis needs to be so disabling that you can no longer work full time because of it.


Ensure Your Medical History is Lengthy and Detailed

RA is a progressive disease and the SSA needs to see how your illness has worsened over time. They must have a formal diagnosis, including the date of the disease's onset, in addition to detailed medical records showing they have consistently sought qualified medical care and followed prescribed treatments.


Detailed medical records are the key to approval for disability benefits and a lengthy medical history ensures the SSA has the proof necessary to evaluate your claim. Details records allow the disability examiners to understand the full extent of your RA symptoms and how your symptoms affect your ability to perform everyday job functions.


Work Closely with Your La Jolla Rheumatologist to Confirm Work Limitations

Although the SSA has a standard disability listing under which RA is reviewed, they will likely need to see a residual functional capacity (RFC) evaluation from your doctor as well. This report must detail your symptoms and the limitations they place on your everyday abilities.


The opinion of a rheumatologist holds the most weight. Work closely with your doctor to accurately reflect your everyday limitations and remember that your doctor works for you.


If your current physician is not willing to work with you in the way you need, find another specialist to provide ongoing treatment and the kind of support required when applying for SSD benefits.


Clearly Establish Your Work Limitations through Medical and Work History Records

Some people with RA can continue to work for many years following their diagnosis. Even after workers are unable to perform more strenuous and physical job duties, many can still do sedentary work, at least for a time.


To be approved for SSD, you must ensure your medical records and your work history show you are no longer able to keep a physical or even sedentary job. Be sure to document specific job duties and the symptoms that now prevent you from completing those duties. Use the following to achieve your goal:


answers in the disability application,

work records, including performance evaluations and attendance documents,

statements from former employers,

and reports completed by your doctor

Does Rheumatoid Arthritis Qualify for Disability? 

Rheumatoid arthritis is considered a disability by the SSA and you are able to get disability benefits with rheumatoid arthritis.


In order to qualify for disability benefits with rheumatoid arthritis, you need to meet the medical requirements listed in the SSA’s Blue Book.


The Blue Book is the list of conditions that can qualify someone for disability benefits. When you send in your disability application, the SSA will look at your application and see if it matches with the Blue book listing for inflammatory arthritis.


If you have RA. Get a free evaluation today


While there is not exact listing for rheumatoid arthritis, you can still get disability rheumatoid arthritis if you meet the Blue Book listing for inflammatory arthritis.


The most important thing that you need to know in order to qualify for disability benefits with is to make sure that you have detailed medical records and medical history to back up your claim that you can no longer work because of your rheumatoid arthritis.

Encinitas Rheumatologist is a physician who specializes in diagnosing and treating arthritis, other complex musculoskeletal conditions and autoimmune diseases. There are more than 200 distinct rheumatic conditions that can affect the joints, bones, muscles, tendons, ligaments and other connective tissues throughout the body. Some autoimmune diseases can also affect the eyes, skin, nervous system and internal organs.


Because rheumatic conditions often produce symptoms that come and go or mimic the signs of other conditions, they can be challenging to identify. A rheumatologist has the specialized expertise necessary to accurately diagnose and effectively treat autoimmune diseases of all types.


In addition to general musculoskeletal pain, some of the more common conditions treated by rheumatologists include:


Osteoarthritis

Rheumatoid arthritis

Psoriatic arthritis

Reactive arthritis

Lupus

Systemic Lupus Erythematosus

Polymyalgia Rheumatica

Gout

Scleroderma

Myositis

Inflammatory myopathy

Sjogren’s syndrome

Ankylosing spondylitis

Sarcoidosis

Vasculitis, temporal arteritis

Pseudogout

Paget’s disease

Osteoporosis

Spondyloarthropathies

Antiphospholipid syndrome

Rheumatic conditions are typically chronic, constantly evolve and persist for long periods of time – often a lifetime. If you’re experiencing the symptoms of an autoimmune disease, it’s important to promptly see a medical specialist for two main reasons: First, some rheumatic conditions are more responsive to treatment in their early stages, and second, prompt treatment can reduce the risk of irreversible organ damage.


CONSULT WITH A RHEUMATOLOGIST AT ADVANCED ORTHOPAEDICS

Whether you’re seeking an accurate diagnosis or effective treatment for a rheumatic condition, you will find the necessary expertise at Advanced Orthopaedics & Sports Medicine in Houston, Texas. Our practice philosophy is to treat the entire patient rather than just his or her condition. Toward that end, we take into account the social and emotional effects of an autoimmune disease in order to develop a more comprehensive treatment plan. Depending on the source and nature of the symptoms, our recommendations may include medications, physical therapy, injections and other advanced therapies.


Contact Advanced Orthopaedics to request an appointment with a rheumatologist today.

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