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No Credit Check Loans


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6 Months


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Representative APR


Representative Example: On an assumed loan amount of £750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount £1351.20 and total interest is £601.20. 12 monthly payment of £112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on the mean APR of the lenders we work with

What Are No Credit Check Loans?

A no credit check loan is a loan offered by a lender without having to carry out a full assessment of the person’s credit history. A loan without a credit check may be appealing if you have bad credit or don’t want your credit file to affected by applying, but lenders that allow you to borrow money online with no credit check are unlikely to be regulated by the Financial Conduct Authority (FCA) and are therefore unsafe.

Can I Get A Loan Without A Credit Check?

No legitimate payday lender should offer guaranteed loans without carrying out thorough credit checks on the applicants. Payday loans could be a good alternative for those who are worried if bad credit histories can hinder their eligibility to borrow money. You could borrow money from close family or trusted friends without a credit check, but asking to borrow cash can be an embarrassing topic to bring up, and they may not have the funds to lend to you anyway, even if they want to help.

Instant Payday Loans With No Credit Check

Lenders cannot guarantee if your payday loan will be approved, but many can give you an quick loan decision. Even the loan providers that give you an instant decision will have to first credit check your payday loan application to ensure they are lending responsibly. We would never recommend applying for a guaranteed short term loan without a credit check. If your loan application is approved, lenders aim to payout your loan on the same day.

Why Might You Need a No Credit Check Loan?

If you have an unexpected expense and don’t have the funds to pay it, you may look into emergency loan options. If your car breaks down, for example, you’ll probably need to get it fixed quickly so you can get to work. One of your essential appliances like your fridge might stop working, and you’ll need emergency funds to pay for it.

Not a lot of people have enough savings to cover a big expense, so unless your car packs it in on your payday, you’ll probably need to borrow the money to get it fixed.

Asking friends and family to borrow cash can be an embarrassing topic to bring up, and they may not have the funds to lend to you anyway, even if they want to help. You might be able to use a credit card or take out a bank loan, but this can take a while. Some bank loans will take up to three days to reach your account. You may also end up borrowing more than you need, as banks don’t tend to offer small loans.

Getting a Bad Credit Loan Without A Credit Check

You may not be sure what your credit score is like - you can check for free with sites like Experian. If you’ve got a good credit history, you may be able to apply for more conventional forms of credit, like personal loans or credit cards. As long as you are not borrowing more than you need, and therefore paying lots more in interest, these can be good options.

Even if you have bad credit, you may be eligible for some credit cards. If you want to find out more, the Money Saving Expert website has advice about credit cards here. The problem with the credit cards offered to people with poor credit is that they’ll usually have much higher interest rates.

So why might you have bad credit? Everything on your credit file stays there for 6 years, so if you made a loan payment late, or forgot to pay your credit card bill, your credit file may have been negatively impacted. If you have no credit history, you might have a ‘thin credit file’, which can make borrowing more difficult too, as lenders can’t see how you handle credit. It would be more of a risk to lend to someone if you can’t see their credit history - a lot of banks won’t lend to you if you can’t prove you’re able to make repayments.

Therefore, it can be tempting to look into loans without credit checks if you have bad credit. Lenders may still be able to help even if you do have a poor credit history. If you’ve previously been unsuccessful in obtaining credit, you may still be able to take out a payday loan, and if you repay early or on time, you can improve your credit score.

How Do You Apply?

Our application process is all online, so there is no fuss with filling in paperwork. You can choose the amount you need to borrow, and the length of time that seems best to pay it over. We’ll then ask for some personal details, your employment information and your income and expenditure. There is just one short section to complete, and then we’ll give you a decision as soon as we can.

Other Things to Consider

When applying for any loan, it’s a good idea to check if you’re working with a broker or a direct lender. Brokers can help you find a lender, but will often charge you a fee for doing this.

You should also consider whether borrowing is the best option for you before taking out a loan. If you are able to save money and then purchase what you need, you won’t have to pay anything in interest. If you are in long term financial difficulty, short term borrowing is not the solution. You can contact companies like the Citizens Advice Bureau for free advice about your financial situation.

If you are borrowing to pay back other loans, further borrowing may not be the best choice, as you could end up owing more and more and entering into a debt spiral. If you think you may need help with your debts, you can contact Step Change for impartial help.

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