If you have a poor credit score, your plan to avail a loan fails. Most of your local bankers have the credit checks as an essential part of their loan approval process. Depending upon the type of credit score you have, your loan application may be rejected or delayed. But what if it is an emergency and you need cash urgently? You cannot wait to see if your local bank delays or rejects your application. It is better to go for the no credit check loans.