No Credit Check Loans Myth
There is no such thing as a no credit check loan. Try the eligibility checker to find out if you will be approved.
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Many people look for bad credit loans with no credit checks. This is because they believe finding a loan with no credit check is the only way they’ll be approved. However, we specialise in providing access to loans for people with bad credit.
All lenders have to perform certain checks, such as credit and affordability checks. The good news is that lenders use soft search technology which doesn’t harm your credit score.
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Will I be Approved?
The online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.
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How it Works
We know you need your money as soon as possible. That’s why we have designed our website to be fast and simple.
Apply Online
Fill out our short, secure form and search an industry-leading panel of lenders to find your loan.
Check Your Offer
Once you have your offer from the lender, you can review the offer and get your cash.
Get Your Money
Once accepted, your money can often be paid into your account the same day.
More questions? We've got you covered
It’s possible to apply for a loan without doing any harm to your credit score. However, all lenders are regulated by the FCA (Financial Conduct Authority) and must perform a full credit check before releasing any funds.
Initially, lenders only perform a soft credit check, which there is no trace of on your credit file when other lenders view it. This provides us with enough information to be able to see which lenders criteria you meet. They make a loan offer based on this. If you accept the loan offer, they will perform a credit check before releasing the funds, but you’ll already know you meet the required criteria, so as long as you make all of the agreed payments on time, it should only improve your credit score.
Applying for a loan via Payday UK will not show up on your credit file when others view it. If you have full access to your credit file, you’ll be able to see that a soft credit check was performed, but no other lender can see it. If you accept a loan offer, a full credit check will be performed, and that will show up on your credit file. However, if you make all the agreed payments, it should only improve your credit score.
Yes. Applying for a loan will not do any harm to your credit score as our lenders use soft search technology when assessing your application.
Yes. If you’ve gone more than six years without needing to borrow any money, or you’ve just moved back to the UK from abroad, then there might not be enough history on your credit file for lenders to gauge how much of a risk you are. This is treated in a similar way to a person with bad credit; however, as you build a history of successfully making payments, your credit score will improve accordingly.
A soft credit search allows your broker to see enough information about you to be able to match you with the best lenders for you. A soft credit search will not harm your credit score in any way. This initial stage means your lender can give you an instant decision about your eligibility. If you’re eligible, your broker will show you the best loan offer available to you from a panel of lenders.
If you choose to proceed with the loan, the lender will perform a full credit search before releasing any funds. This is a mandatory requirement of the FCA (Financial Conduct Authority).
Loan guides
These guides will help you find out more about the different types of loan and lenders available.
