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No Credit Check Loans up to £15,000

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No Credit Check*

  • Borrow £100 - £15000
  • Financial Problems OK
  • Non-Homeowner Guarantors accepted
  • Multiple Loan Options
  • No Fees or Charges§
  • Can be paid within 24 hrs

Low Interest & Low Cost

You'll know by now that credit problems mean high street lenders aren't interested in your credit needs. There are specialist lenders who will lend to you, but they will charge you at interest rates of 60-70% APR.

However, you might want to consider a no credit check* loan where you get a member of your family or a close friend to guarantee your loan repayments. With this type of loan you may be able to get a much more reasonable rate of 30-40% APR. Representative APR 39.9%

Low APR interest rates:

  • Probably the lowest cost loans available if you have poor credit
  • Rates are from 29.9% APR for loans over £500
  • Representative 39.9% APR
  • Provide a friend or family member to guarantee your loan repayments

£500 to £15,000 Loans - over 12 to 60 months

Applying for a no credit check loan is a straightforward process - 100% online with same day payout possible:

  • Consider who you would ask to guarantee your loan - more info
  • Complete our short enquiry form (no guarantor details required)
  • We instantly tell you which of our lenders will lend in principle - we'll show you their representative APR%s and other key information.
  • You choose your preferred lender and continue their application process
  • When they accept your guarantor and you and they have signed the agreement your loan is paid out.

We have an extensive panel of lenders. As you can imagine they each have slightly different lending criteria and loan rates, etc. When you apply through us we'll see which are interested in lending and present you with a table of options showing the most important information to help you choose between them. Our service is free, and the deals offered will be the same as going direct.

Monthly Payment Estimates

The loans are most often in the range of £2000 to £8000 with the average loan amount around £3000. To give you some idea of what you will need to repay each month the following table may be of use to you. The monthly repayments are for different loan amounts over different loan periods and are based on the representative APR of 39.9%.

Approx Monthly Repayments at
Representative 39.9% APR*
  Example Loan Value:  
Months: £2,000 £4,000 £6,000 £8,000
24 122 244 366 489
36 96 192 288 384
48 84 168 252 336
60 77 155 232 309

Representative Example: Borrow £3000 over 36 months, pay back £134.10 per month. Total repayable £4827.60. Rate of Interest 34./05%. Representative APR 39.9% fixed.

More precise information will be available from your chosen lender, but this should help you to judge whether on balance this type of loan is affordable.

* 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. Borrowing is always subject to affordability checks.

Bad Credit & Scoring

Representative Example (£500 to £15,000)

Loan Amount

£3000

Monthly Repayment

£134.10

Loan Term

36 mnths

Total Repayment

£4827.60

Rate of Interest

34.05%

Representative APR

39.9%

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