When you apply for instant funding installment loans on Big Buck Loans, you don't need to have an incredible credit score to be successful. In fact, you don't need one at all. Big Buck Loans works with lenders who consider many other factors besides an applicant's credit history when deciding whether or not they will be a reliable borrower. However, just because your credit isn't the deciding factor, you will still need to undergo a credit check. This is because each and every credit provider situated in the United States is required by US laws and regulations to perform a credit check on every single applicant, no matter how much or how little credit the applicant is applying for.