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No Credit Check Loans up to £15,000

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Bad Credit Loan

  • Apply for £100 - £15000
  • 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 £15,000

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 you could consider a so-called "no-credit-check loan". All lenders will do a credit check (at the very least they will want to check your identity) but some lenders and some loans place less emphasis on the other contents of your credit file. And this goes for credit scoring too.

The difference between credit checking and credit scoring - more info

The way in which a lender can worry less about your credit status and your credit history is by you providing a guarantor - someone who backs you up and could step in, if required, to make one or more repayments on your behalf. This way the risk to the lender is reduced and they will be more inclined to make a loan. All lenders are obliged to ensure loans are affordable so you should expect to have to provide income and expenditure information to potential lenders.

Loans from £100 to £15,000

Designed for poor credit

Credit score less important Multiple loan options
No upfront charges & fees Instant enquiry decisions
Guarantor required - tenants or homeowners allowed

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 with less emphasis on a credit check and your credit score 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 £15,000 unsecured. For loans over £15,000 if you don't mind being credit checked click here)
  • The lending decision depends much less on your credit score
  • The credit check - your credit file will be checked to verify your identity and that you are not bankrupt or on an IVA
  • Your guarantor doesn't need to own their home
  • Loan periods:
    • £500 - £15,000: 12 to 60 months
    • £100 - £750: for a few months. more info
  • Repay early with no redemption penalties
  • You can be a tenant or a homeowner
  • 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 39.9% (for loans £500 to £15,000).

Tell me about Credit Checks

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.

How to Apply for Your Loan

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.


Bad Credit & Credit Scores

Representative Example (Loans £500+)

Loan Amount


Monthly Repayment


Loan Term

36 mnths

Total Repayment


Rate of Interest


Representative APR


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