Representative 305.9% APR.
Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% pa (variable). does not provide any loan or consumer Credit products directly.

No Credit Check Loans

They are a myth but we have a very high acceptance rate even for bad credit.

You can expect an automated answer within 3 minutes.

**Applying will not affect your credit score but if you accept the loan offer a full credit check will be performed


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Get student loans using our 100% online application process, no paper work no hassle! 


High acceptance rates

This is a multiple lender platform that increases your chances of success!

Fast payouts

With autonomous payment systems you can have your cash within 10 minutes! 

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


No Credit Check Loans For Bad Credit

The financial reality nowadays is that most people have very minimal incomes, low savings and a weak credit. Therefore, when there is an unexpected occurrence in which money is required-like an emergency medical situation or a car repair-one is left with very minimal options. In such situations, a loan may be the only feasible solution. But, which loan, and how do you get a loan without damaging your credit?

If you have a weak credit, accessing a loan from the bank can be an arduous undertaking. Therefore, you are only left with the option of trying a no-credit-check loan. However, did you know that no-credit-check payday loans are illegal in the UK? If you are not aware, then understand that Payday loans with no guarantor and no credit check are not allowed in the UK. Yes, these loans are actually not approved by the FCA. Before you access these payday loans from direct lenders, they must perform a credit check on each application.

The direct lenders are allowed to offer loans to anyone with poor credit on condition that the loan beneficiary passes the affordability assessment. So if you have a poor credit rating, you should not shy away from sharing your credit situation. You can still access credit without having your credit report affected. It is advisable to check through your credit report to ascertain what is impeding you from accessing credit. It is only after going through your credit report that you will understand which accounts are disrupting you. Thereafter, you can start strategizing on how you will pay the credit.

Loans without credit check

Well, if you want a loan, they are available online. If you have poor credit, you can always apply but as already mentioned earlier, a credit check is a prerequisite. If you’ve heard of short-term loans online, then be certain that you are dealing with a non-regulated product.

Ordinarily, short-term loans are paid in instalments. Therefore, if you have a problem with your credit, the instalments make the loans affordable for repayment. Also, you should remember that for these loans, interest is calculated on a daily basis. Consequently, the total cost of borrowing becomes higher with the duration you keep the money.

Instant Payday Loans No Credit Check

Probably you need an instant loan no credit check because you are facing issues with your credit score. While some direct lenders can provide you with instant payday loans no credit check, they are not allowed in the UK. So, if you want a payday loan fast, it is advisable to approach your lender instead of dealing with suspicious lenders who promise instant loans with no credit check.

Whether you have a bad credit you can still qualify to get an instant payday loan after an affordability exam is administered. However, you must never believe these companies that promise you instant payday loans no credit check. These are non-regulated lenders who will milk you dry and leave you worse than you were.

Direct Lenders No Credit Check

Any authorised lender in the UK will not offer a no credit check loan. To comply with FCA, a lender must have an effective lending policy. Credit checks and affordability assessments are very integral requirements for any bank that seeks to be approved by the FCA. Therefore, irrespective of your credit history, you can always apply for loans and the lender, after assessing you, will be able to give you the loan or deny you. If you have ever spotted the “new payday lenders no credit check” search results on Google, never be deceived that the lenders you see there will offer you no credit check loans.

No Credit Check Payday Loans

Whenever you apply for a payday loan online, your lender cannot know who you are unless they check your credit report. By doing so, your lender can determine if you are a reliable person by assessing your credit report. Therefore, any lender offering a No Credit Check Payday Loan in the UK is being mischievous.

As mentioned, No credit check loans. However, that doesn’t mean that if your credit report is not good, you are completely damned. No! Lenders use other parameters to test if you can qualify for a loan. Using affordability, a lender can work out a loan product with you that you can pay on time

Bad Credit Loans No Credit Check

If you have a poor credit score and you are worried about getting a loan, there is hope. You can find a bad credit loan from financial institutions and online lenders. A bad credit loan is specifically meant for those with weak bad or no credit. Probably you are confused and asking “what is a good credit score and what is a bad one?” Well, generally, a FICO score below 630 is considered bad. If you don’t know your credit score, you can access it through card statement or online bank.

Conclusively, instead of relying on non-regulated institutions who promise to provide no credit check loans, getting a bad credit loan is the best alternative. You must never be deterred from seeking loans by your poor credit report. There are loans meant to suit your situation. Once you get an FCA approved financial institutions, they will assess your credit position and provide you with a loan based on the assessment. So, forget the no credit check loans as these are shylocks who can leave you in financial haemorrhage.


 Advantages of using Loanski
Loan Amounts£100 to £2000 ^High Acceptance Rates
Application Decision Time3 Minute Automated Decision!100% Online No Paper Work!
Payout TimeAs fast as 10 Minutes! ^SSL Secure Application
Fee For Application£0 We Don't Charge Fee's!Multiple Lender Platform
Poor Credit Score?All Credit Scores Welcome!No Obligation