No Credit Check Loans

  • Borrow £100 – £50,000+
  • Financial Problems OK
  • Multiple Loan Options
  • Non-Homeowners accepted
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  • Payouts in 24 hrs possible
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What is a No Credit Check Loan?

So-called “no-credit-check loans” are loans that are suitable for UK residents who have financial problems.  A lot of people search the web using this phrase in hope that such a loan exists. Unfortunately, a lender will always credit check an applicant – at the very least they will want to use the information at the credit reference agencies to protect them and others from fraud.

It is actually credit scoring, based on an applicant’s financial history, that can undermine the lending decision. Below is a series of loan options where the lending decision is more dependent on an applicant’s current status and their ability to offer some form of reassurance to the lender than on their credit rating.

Credit Checks vs Credit Scoring

Credit checking and credit scoring are intertwined but are subtly different. Income information is not stored by the credit reference agencies so a credit provider will do a separate affordability assessment.

Credit Scoring

Credit scoring is the process used by credit providers to assess the risk of lending to a person. They use the data held by the UK’s credit reference agencies to create a risk profile. They compare this against their internal rules to accept or reject the application. Some lenders also use the credit score to adjust the interest rate they are prepared to lend at. The lower the risk the lower the interest rate. It’s worth noting that it is the provider of credit that does the credit scoring and not the credit reference agencies.

Credit Checking

Credit checking is at the very least the process by which lenders verify an applicant’s identity – that they know precisely who has made the application and to whom the credit is to be provided. They will probably go further and look at the applicant’s historic repayment behaviour. Detailed searches are likely to be recorded on the applicant’s credit file.


Consider a “No Credit Check Loan”…

…because you:

  • have a very bad credit rating or no financial history (making borrowing difficult)
  • think you’ve been “financially checked” enough
  • want to start improving your financial 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 provide reassurance to the lender. This can be in the form of a guarantor or an asset as security.

  • Want an unsecured loan? Then you need to provide a guarantor – someone (e.g. parent, relation, close friend) who knows you better than any credit check or score ever can.
  • Happy to secure your loan? Then the form of security will determine the type of loan: a logbook loan (a vehicle acts as security), or a secured/homeowner loan (a house is the security).

Depending on the type of loan you want you can get your no credit check loan quickly and over a relatively short term.

How to Get a No Credit Check Loan

You must apply for a specific type of loan as there is no one product called a “No Credit Check Loan”. You must explore your loan options and decide which meets your needs. Small loans such as payday and instalment loans are the fastest loans to obtain. At the other end of the spectrum are secured loans that can take up to 3 weeks to organise, but you can borrow very large sums of money.

Consider what you need

1: Consider what you need

Review the options mentioned on this page. Make sure you understand how they work.

Compare loan options

2: Compare Your Loan Options

With your needs in mind weigh up the pros and cons of each product. Choose the one you are happiest with.

Complete the Application

3: Complete Your Application

Visit the product page and follow the application process outlined.

Loan Paid Out

4: Get Your Money

Depending on which product you choose your loan could be paid out instantly or after a few days/weeks if a guarantor or security is required.


Our Money & Credit Guides

If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.

No Credit Check Loan FAQs

Answers to Your No Credit Check Loan Questions

How can I get a loan with no credit check?

You can’t get a loan with no credit check but you can get loans that don’t depend so much on your credit rating and credit score. We list these here, and also give you a 4 step approach to making the right choice.

Who does no credit check loans?

There are various types of loan that could be right for people with credit problems. And each of these types has numerous lenders competing for business. So, overall there are lots and lots of lenders.

The easiest way to approach finding a lender is to use our free§ broking service. See the 4-step approach to getting your loan with no credit check.

How do no credit check loans work?

You can’t avoid a credit check as these are used for the checking of identities at the very least. The precise working of any given loan depends on whether you are required to provide a guarantor or some other form of security. You can find more information on our website regarding each type of loan.

What are no credit check loans?

You’re hoping to find a definition here that simply says that they are loans that don’t require a credit check. That if you have credit problems in the past that these won’t be held as relevant to a future lending decision. There is no such loan, unfortunately.

However, if you have a bad credit history and a poor credit rating there are still loans that you may be able to get even with a poor credit history.

Are no credit check loans right for people with bad credit?

Any of the loans we talk about above could suit someone with a poor credit history. But as always there is the question of affordability. You should never borrow more than you can afford to repay. And remember that failure to meet your repayment obligations will lead to a further deterioration of your credit rating.

How fast can I get a no credit check loan?

Some no credit check loans are relatively quick to get, possibly the same day you apply. These tend to be smaller and for the relatively short term. Larger loans that require security or a guarantor can many days or a few weeks. learn more about fast no credit check loans


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Written/Reviewed by: Amanda Gillam

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