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Great Plain Lending will be a safe bet if you are looking for loans and have a high risk profile. They are committed are free on financial jargon. The best thing is that you can pay your loan in installments or at once. If you need cash urgently then this maybe best option for you. A: Federal loans usually fall in the category of loans that require no cosigners and no credit checks. This is due to the fact that federal student loans are designed to help make education affordable for students coming from all sections of the society. Apart from the easy eligibility criteria, these need based loans are accompanied by low interest rates and flexible payment plans. In most cases the lenders in our network require you to have a job, possess a bank account, be a U.S. citizen or resident at least 18 years of age, and earn a certain amount of money each month. Our lenders understand that everyone makes mistakes and encounters rough times - you may still be approved for a payday loan even if you have bad credit or a past bankruptcy.