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No Credit Check Loans up to £12,000

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No Credit Checks*

  • Borrow up to £12,000
  • Avoid Credit Scoring
  • Non Homeowner Guarantors
  • Multiple Loan Options
  • No upfront charges
  • Can be paid within 24 hrs

No Credit Check Loans*

Unsecured Loans of £50 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 no-credit-check* loan may be the answer. While the lender will look at your file to make sure you aren't bankrupt or on an IVA nothing else in your credit file is relevant to the lending decision.

No credit scoring required Instant enquiry response
No upfront charges Can be paid within 24 hours
Multiple loan options    

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 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 £50 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 doesn't depend on a credit score
  • Loan periods:
    • £500 - £12,000: 12 to 84 months
    • £50 - £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 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 believe you can get a guarantor then, subject to affordability, you should be able to get a loan  - it's that simple.

The guarantor simply 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).

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.

For full details of our Guarantor Loans service or to apply for a loan visit our dedicated website - all the information you need to help you with your decision:

Guarantor Loans website

* the lender will look at your credit report simply to ensure you are not bankrupt or involved in an IVA. This search will be registered on your credit file. However, no other information in your credit file is relevant to the lending decision. No computerised credit scoring will be undertaken. Loans are subject to affordability checks.

No Credit Checks*

Representative Example

Loan Amount


Monthly Repayment


Loan Term

36 mnths

Total Repayment


Representative APR


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When it comes to getting you your no credit check loan our service is second to none. In fact has scored 4.6 out of 5 based on 214 ratings & 35 user reviews for its no credit check loans service.