Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk
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
There’s a simple reason why some people don’t have much of a credit footprint - they haven’t used any financial services to build a credit score. Sometimes having a credit footprint can be as important as having a good credit score. Things on your credit file that leave a footprint include personal loans, credit cards or store cards, and car finance. Even Direct Debits can be on your credit file - do you pay for your mobile by Direct Debit?
People with no credit history can find it more difficult to be approved for a payday loan, so it can be a good idea to check your credit score and see if you have a footprint on your credit file. You can check for free through companies like Noddle.
To get a payday loan with no credit history, you may need to look at short term loans first. With banks, it can be difficult to apply for a loan without any credit at all. They can’t see how you manage your money. Even if you have bad credit, you can explain what happened, and the bank can see you have taken out credit before.
You can apply for a payday loan without a credit check on our site - we'll quickly check your details and then find a suitable direct short term lender from our group of reputable partners that can complete your application. If you are approved you could get your money transferred into your account in under an hour.
You’ll simply need to choose the amount you need to borrow and the repayment term, and then complete our simple application form. You can borrow up to £5000.
Before taking out a payday loan though, it’s important to consider whether you have the option of saving, or if borrowing is the best option for you. If you think you may need further help and advice about your finances, you can contact third parties like Step Change. They can offer free impartial advice.Apply Now