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They might also look into how much debt you currently have to see if adding on anymore would be overly burdensome for you to keep up with. Do all lenders perform a credit check. In some cases, lenders may not perform a credit check at all. This is especially true for payday loans and short-term installment loans. Instead of checking your credit, they emphasize your income verification. Credit checks can be an important part of the loan application process, but not always.