Loans, other than those provided family members and friends, are given to people to make a profit. Businesses provide loans to people to make money, and in order to continue issuing loans to individuals they need to make profit. All loans have some sort of fee, interest, or other way for the lender to make money. There is no loan lender that will provide money for free, or on terms that the borrower wants.

Now, that we have out of the way, are there some loan options for people that don't want a credit check or employment verification.

Yes, they do exist.

There are lenders out there that will provide loans to people even if they don't want their credit checked, or their employer called. The reason is that the lenders secure the loan using other methods and don't rely on the traditional methods for approving the loan. There are options out there, but people have to know where to check, read everything before signing, and know what they are getting into to avoid further complications.

There are several loan options for those that are looking for money with no credit checks or employment verification and the following are ideas and tips for those that are looking for them.

1. Cash Advance Loans - There are some sites that offer cash advance with no employment verification as well as others that do provide them with either no credit check or no employment verification. However, it doesn't mean that a person who has no job can get one, its just saying that they won't verify or call the employer to make sure that the borrower's information is correct. The person still needs to have income and an ability to be able to pay the loan back on time. There is a fee for this service and that is based on the amount borrowed and the area the lender is located in. Make sure to check these points before getting one. Typically, people can apply for cash advance payday loans from $100 up to $1500 dollar payday loans.
2. Credit Card Cash Advance - This is where people take cash money from their credit cards in a form of a cash advance. The interest rate is quite different for this transaction rather than a direct purchase, and many companies even charge a fee for this service on top of the interest that they charge. Make sure to check with the credit card company before taking out a cash advance from a credit card. Most card companies cap the amount that can be taken from cash and this depends on the person's account limit.
3. Cash Loan From Family or Friend - This is the best and easiest way to get cash, but most don't have a friend or family member that they can borrow from and feel comfortable about it. If you happen to have such a person on hand, then this is by far the best route to take, as you don't have to do credit check, employment verification, and high fees for the service. However, make sure to pay it back on time to avoid causing any family or friendship woes.