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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

Short Term Cash Loans

Up to now a small cash loan would have meant either a payday loan or perhaps a doorstep loan. Neither of these options has a low APR%. But now we have access to small guarantor loans of up to £750 that have a representative APR of 347% (12 month loan period).

With repayment options of 6 months to 2 years it means that payments are more affordable. Payday loans with their fixed one month repayment period are inherently inflexible and sometimes charge for rollovers.

Cash loans paid in 2 hours:

  • Loans for the short term: 6 months to 2 years
  • Borrow from £100 to £750 cash
  • Repaid in instalments
  • No credit checks*
  • A better small cash alternative to a payday loan
  • Payout is possible within 2 hours

Small Cash Loans No Credit Checks*

In the old days payday loans were often held out as the king of the cash loans with no credit check. But with payday lenders under the cosh it's time to look at other alternatives.

You can explore your cash loan options using our QuickStart tool. One of these options is what might be termed a "mini guarantor loan". By this we mean short term loans of up to £750 where the lender requires you to provide a guarantor. While finding a guarantor can sometimes be a bit tricky it is made easier because your guarantor can be a non-homeowner.

These days all loans will require you to be credit checked to some degree. The real question is can you find a loan if your credit is less than perfect? Well, a cash loan backed by a guarantor should certainly give you a greater chance. Other benefits of this loan type compared to a payday loan include:

  • Much lower APRs - over a short loan period you would save money
  • The ability to borrow over a longer timeframe - you are not fixed to a 30 day repayment but can choose periods of 6, 9, 12 and 24 months.
  • A bad credit history being less of a problem as you provide a guarantor. Strict payday rules mean that lenders are more prudent than they used to be.

Other Benefits

Because the application process is 100% online from here to when you sign the agreement it is perfectly possible to get your cash direct into your bank account within 2 hours. To make this happen though you will need to get your guarantor lined up in advance and you will need to get them to co-sign the loan agreement online.

Our lenders constantly seek to improve their online journeys and simplify the application processes. Just a few years ago it would have been impossible to achieve such a swift payout.

* 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

Loan Amount

£500

Monthly Repayment

£82.60

Loan Term

12 mnths

Total Repayment

£991.20

Rate of Interest

150%

Representative APR

347%

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Warning: Late repayment can cause you serious money problems. For help, go to  moneyadviceservice.org.uk.

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