Quick No Credit Checks
- Borrow £100+
- Payouts within 24 hrs
- Financial Problems OK
- Non-Homeowner accepted
- Multiple Loan Options
- No Fees or Charges§
Instant Decision – Quick Payout
If you want a loan that doesn’t need you to be credit checked and pays out quickly then there are a number of options to consider. Please keep in mind that there is no such thing as a “no credit check loan”. All loans will need you to be credit checked for identity purposes, but there are some loans where your credit rating and credit score is less important. Typically this is where the higher risk is offset by a higher interest rate or some form of security or guarantee.
Same Day Payout Loans
Each of the following loans is capable of paying out your money within 24 hours of your application being accepted. Payday loans and Instalment loans offer smaller maximum amounts (£1,000 to £2,000). If you want to borrow then you could consider a Logbook loan or a Guarantor loan. Bear in mind that these do require extra checks, and all loans will require a credit check for identity purposes.
If you own your home you could also consider a Secured loan. The security of a home means that you can borrow larger sums of money at lower interest rates than with unsecured loans. The provision of security also means that having a historic credit problem may not be so much of an issue. However, these loans can take 2-3 weeks to organise.
What to do to help get your loan quickly
So you need a no credit check loan and want it fast. There are things you can do to help ensure the loan is paid out quickly. While a payday or instalment loan is pretty much a totally online process there are some actions to take for other types of loan:
- Logbook loans – don’t apply if you are on a debt management plan or IVA as you will fail the credit check. Make sure your vehicle is in good condition, is well presented and has no outstanding finance. This will also help maximise the loan offer made to you. Ensure you have all the vehicle paperwork to hand, and that you understand the ownership implications of a logbook loan.
- Guarantor loans – the most important thing is to make sure you have at least one guarantor you believe a lender will accept. The sooner you have your guarantor in place the sooner you will get your loan. If your initial guarantor is rejected then having a second option ready will avoid a delay. Find out more about acceptable guarantors.
Bad Credit Loans
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.
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