loans without a credit check online How to get a loan without a credit history? Before approving a loan, the bank must ensure that the borrower is reliable and that he can repay the borrowed funds on me. Banks use scoring - a methodology for assessing a borrower's reliability, which is also based on credit history data. But what if the client has never taken a loan and his credit history remains empty? Let’s figure out whether it is possible to get a no credit check loan and how, in this case, to prove to the bank that you are trustworthy. Credit history- What is it, and why is it needed? A credit history (CI) is a dossier that contains informaon about all the relaonships between an individual and his creditors. It stores data on how many approved applicaons a person had, how many mes banks refused him, the amounts and terms of each loan, and how accurately and mely he repaid the debt. This informaon helps the bank evaluate the reliability of the client in order to understand whether it is worth issuing another loan.