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No Credit Check Loans up to £12,000

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Bad Credit Loan

  • Apply for up to £12,000
  • Credit Problems OK
  • Non Homeowner Guarantors accepted
  • Multiple Loan Options
  • No Fees or Charges§
  • Can be paid within 24 hrs

No Credit Check Loans*


Unsecured Loans of £100 to £12,000

Beat your credit problem 12000 with no credit checking

If you have a credit problem and are struggling to find the unsecured loan you need then a so-called no-credit-check* loan may be the answer. While the lender will look at your credit file to check your identity and to ensure you aren't bankrupt or on an IVA less reliance will be placed on other items in your credit file for the lending decision.

Credit score less important Multiple loan options
No upfront charges Instant enquiry response

The difference between credit checking and credit scoring - more info

Why no credit check loans*?

Because you:

  • have a very bad credit rating or no credit history (making borrowing difficult)
  • think you've been credit checked enough
  • want to start improving your credit status by successfully repaying your loan (better rates in future)

The way to borrow without a credit check* is for you to have someone who will act as your guarantor - someone (e.g. parent, relation, close friend) who knows you better than any credit check or score ever can.

We now have access to no credit check loans* from multiple sources through a single enquiry form - and you'll get an immediate in-principle decisions. You can then continue using a lender's e-signature service. It has become possible to get a no credit check loan* within 24 hours.

The Loan

  • Borrow £100 to £12,000 unsecured. For loans over £12,000 if you don't mind being credit checked click here)
  • No credit check* - you provide a guarantor.
  • The lending decision depends much less on your credit score
  • Loan periods:
    • £500 - £12,000: 12 to 84 months
    • £100 - £750: for a few months. more info
  • Repay early with no redemption penalties
  • You can be a tenant or a homeowner
  • Your guarantor does not need to own their home
  • Fast decision! - we can give you an instant in-principle decision online.
  • Funds available within next 24 hours
  • Your application is confidential - your employer is not contacted.
  • Representative APR 44.9% (for loans £500 to £10,000).

If you can get an acceptable guarantor then, subject to affordability, you stand a good chance of being able to get a loan.

The guarantor confirms that they will pay off your debt should you fail to do so (electricity and gas companies have used the guarantor method for decades). But you must ensure that the guarantor knows you well and that they fully understand their obligations.

If right now you don't think you would be able to find a guarantor then consider this - over 10% of actual borrowers also initially thought they couldn't find a guarantor!!


You don't have to find your guarantor before you apply. That can be sorted out later.


* the lenders will check your credit file to verify your identity and to ensure you are not bankrupt or involved in an IVA. This search will be registered on your credit file. However, many guarantor loan lenders will not use the other information in your credit file to credit score you, or if they do credit score you this will not necessarily impact you since you provide a guarantor. Loans are always subject to affordability checks.

Bad Credit & Credit Scores

Representative Example

Loan Amount


Monthly Repayment


Loan Term

36 mnths

Total Repayment


Representative APR


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