No Credit Check Loans Are Not Available

When getting quotes there is no impact on your credit file 

Lenders do a ‘soft search’ which cannot be seen by others, this does not impact your credit score, to get quotes:

• Fill out our 3-minute form
• Receive online quotes in 30-seconds

Our lenders have loans from £100 all the way up to £5,000 👍

How much you can borrow will depend on your status and how much you can afford, for example:

• No guarantor – if you don’t have a guarantor, then you’ll be able to get up to a maximum currently of £5,000
• No bank account – currently only out doorstep loans are suitable to those with no bank account, which are from £100 to £1,000

This will depend on the type of loan you are going for:

3 – 5 days

Doorstep (£100 – £1,000)

• The online application process can be done in typically less than half an hour
• The agent’s representative needs to visit your house and complete the application in person; the time they’ve available to visit will depend on their availability, which can delay things a little.
• They will complete your application and make the loan payment in cash there and then.

Same day – 2 days

Instalment & unsecured (£100 up to £5,000)

If you have all the information required by the lender available, and supplied in good time, then some lenders can pay-out the same day.

Typically, proof of *

• ID – such as a UK driving licence or passport
• Address – such as a utility bill
• Income – payslips, benefits statement etc.
• Expenses – bank statements

* Each lender has its own list of acceptable documents that they require, and to ensure fast pay-outs, you should get all that they require quickly.

• Using allcreditloans.net is free – see how we earn revenue
• Applying to all our lenders is free – though they may have other costs as well as interest charges, which they will tell you about up front.

To get the costs, fill out this 3-minute form to get quotes, then apply to your preferred lender.

Lenders so soft searches only 👍

When you fill out our application form to get quotes, lenders do what’s called a ‘soft search’ on your file.

These ‘soft searches’ cannot be seen by anyone else, or any other lenders, so does not impact you credit score, or future loan applications in any way.

Possibly 🤔

Typically, if you get a loan out and then pay it back on time, and in full, this is considered good for your credit file.

Normally true for longer term loans such as 👍

• Guarantor
• Unsecured

Often not the case for short term credit such as 👎

• Payday
• Instalment
• Doorstep

Whilst this may not seem fair, but many of the ‘high street lenders’ view the use as short terms credit as a possible sign of poor money management.

There are three credit reference agencies in the UK which record details of your credit history:

• Experian
• Equifax
• Trans Union

Checkmyfile

• Not all information is included by all three agencies! So to save you some time Checkmyfile draws information from all three agencies.
• Checkmyfile is free for 30 days, then for just £14.99 a month after, which you can cancel online at any time.

Credibble

• If you’d like intelligent guidance on how to improve your credit score, see Credibble.com
• Credibble is £7.95 a month (cancel online at any time)

Our related articles:

• Understanding Credit Checking
• Your Credit Score Explained
• Ways To Get Your Credit Score
• How To Manage Debt With ‘No Credit Check’ Unsecured Loans