The main purpose of GadCapital online loans is to provide short-term loans to millions of Americans. When you apply for a loan with GadCapital, we don't take your credit score into consideration. Actually, our loans are designed to help people with bad credit who are unable to obtain the traditional bank loan. There is no credit check when applying for GadCapital online loans. Your credit score will not be affected by this. Instead, only the credit report is conducted.